AmBank TRUE VISA Credit Card credit card

AmBank TRUE VISA Credit Card

A credit card for millennial: enjoy 3% shopping cashback on online transactions, low finance charge of 7.99% p.a. for first year and 0% easy payment plan.

  • 7.99% p.a. interest rate
  • 20 days interest-free period
  • up to 3% cashback
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Put money back into your purse. Enjoy 3% cashback on online transactions, capped at RM30 every month.
Discover how much you can save when you shop with your new AmBank TRUE VISA Credit Card
Cashback CategoryCashback RateMonthly CapSpend
Online Retail SpendSpendany amount monthly3%RM30any amount monthly
Easy Payment Plan (EPP)
Enjoy total interest free instalment plan of 0% Easy Payment Plan ( EPP) when you make online purchases at participating mechants. For all the other purchases, AmBank Flexi-Pay got you covered with interest rate as low as 3% p.a. on monthly instalments.
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
Get up to 10% cashback on selected duty-free shops across ASEAN countries.
Low Interest Rate
Tired of paying between 15%-18%p.a. on your monthly credit card bill? Enjoy an interest rate of only 7.99% p.a. for the first year on all online retail transactions!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for life for first 3 supplementary cardholders only
Annual Fee for Supplementary Card
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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


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 TRUE VISA Credit Card review

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

Tired of being broke in the mid-month only to find out it was all because of that credit card bill? Wishing you could make your money work for you? 

Then this is the card every Millenial should have.

No Annual Fees - AmBank TRUE VISA Credit Card

AmBank TRUE Visa Credit Card is a card that offers zero annual fee for life without any additional conditions - this card just gets better and better!

The free annual fee benefit is available for both principal and supplementary cardholders. 

However, the annual fee for supplementary cards are free only for the first 3 cards.

3% Cashback 

Maximize your spending online and earn 3% cashback whenever you use your AmBank TRUE Visa Credit Card. 

So when you need to have some online retail therapy, know that you're making money while you spend. 

This cash rebate is only applicable for online retail transactions and capped at RM30 per month. Not too sure what that means? 

Simply, the maximum spending eligible for cashback is RM1,000. Imagine that - you can save RM360 every year!

Shop and Save with AmBank Credit Card

For those who love travelling and online shopping, this AmBank credit card will spoil you!

On top of the 3% cashback, you will get to enjoy these privileges as well:

  • 10% cashback at selected duty-free shopping outlets across ASEAN countries
  • RM30 off when you shop at Shopee every Sunday via (min. spend RM200, promo code: AMB30)

Low Interest Charges

The standard credit card interest rate can range from 15% to 18% p.a.

But the AmBank TRUE Visa Credit Card offers the lowest interest rate at 7.99% p.a. if you've settled your monthly minimum payment on time for the first year. 

For the second year onwards, the interest rates is 12% p.a. - that's still a crazy low fee compared to the majority of credit cards in the market. 

However, the interest rate will shoot up to 18% p.a. if you're not able to settle your minimum payment for the previous month.

Bear in mind that the minimum monthly repayment is 5% of the outstanding balance or a minimum of RM50, whichever is higher.

Even More Savings with AmBank TRUE VISA Credit Card

Compared to all other AmBank credit cards, AmBank TRUE Visa Credit Card offers significantly lower fees and charges!

The TRUE Card offers the cash advance fee of 5% of the withdrawn amount or a minimum of RM15, whichever is higher, whereas other AmBank credit cards require a minimum fee of RM50. 

For the TRUE Visa Card, transactions made outside Malaysia do not require an additional 1% foreign exchange conversion on top of the daily published exchange rate - you'd thought that this is a great travel card too!

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