AmBank MasterCard Gold credit card

Also available as Visa

AmBank MasterCard Gold

No frill basic Gold card that help pay for your purchases and protect you with RM500,000 travel insurance coverage.

  • 15% p.a. interest rate
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

For every Ringgit charged to AmBank MasterCard Gold on all local retail expenses, earn 1x AmBonus Reward Point. Swipe your for all purchases, collect points and redeem some awesome products available at AmBonus E-Catalogue.
AmBonus Points
1 point on every RM1on all local and overseas expenses
Your AmBonus Points earned expires in  3 years
Easy Payment Plan (EPP)
AmBank Easy Payment Plan offers 24 months payment terms with 0% interest rate on retail purchases from a range of approved merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay for as low as 3%.
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feefrom RM500 
12 months4% p.a. and no one-time upfront handling feefrom RM2000 
18 months5% p.a. and no one-time upfront handling feefrom RM4000 
24 months6% p.a. and no one-time upfront handling feefrom RM5000 
Learn more about AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM200 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about AmBank Easy Payment Plan
A complimentary travel insurance protection worth RM500,000 and travel compensation up to RM3,000 for inconveniences such as lost/delayed luggage and missed/delayed flight.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1300
Delayed LuggageUp to RM600
Experience worldwide recognition of MasterCard and a variety channel of credit card payments such as Internet Banking, 24-hours e-Banking centers and over 180 branches nationwide.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for first 3 Supplementary cards
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM50.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
AmBank AmFlexi-Pay
AmBank Easy Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
AmBank QuickCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.

AmBank MasterCard Gold review

What's so good (or not so good) about it?

Free For Life

With AmBank MasterCard Gold, you can enjoy the card privileges at no cost at all. The annual fee is waived for life with no hidden charges. The benefit is also extended to the first 3 supplementary cards.

Travel Protection

Even though it is just a basic credit card, you are covered under a travel insurance protection plan worth RM500,000, whereas RM350,000 and RM150,000 for Spouse and Child respectively.

You can also be indemnified for travel inconveniences up to RM4,000 per cardholder and a combined limit of RM3,000 for Spouse and Child.

On one condition, you must have a proof of transaction of air ticket purchase using AmBank MasterCard Gold and the coverage only effective when you're on board.

AmBonus Reward Points

With AmBank MasterCard Gold, you can earn 1x AmBonus Reward Point when you swiped on all retail expenses locally. Collect as many reward points as you can to redeem a wide array of products, gifts and vouchers in the AmBonus E-Catalogue!

For as low as 1,500 AmBonus Points, you can redeem anything on-the-spot at AmBank's participating partners, namely Courts, ESH, Sen Heng, SenQ, Cosway and Mydin. Upon payment, just inform the cashier that you wish to use your AmBonus Points to pay.

Auto Bill Pay

Electric, water, telco, insurance, you name it. Life would be much easier when you enroll into AmBank Auto Bill Pay Service and let your MasterCard Gold credit card does the payment for you. In a way, you will never forget to pay and have zero outstanding payment on utilities.

If you have monthly commitment with these service providers, then it is highly encouraged to sign up:

  • Tenaga Nasional
  • Telekom Malaysia
  • Astro
  • Allianz Insurance
  • MCIS Insurance
  • Zurich Insurance
  • DiGi
  • Maxis
  • Celcom
  • U Mobile
  • Tune Talk
  • XOX

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