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.

AmBank TRUE VISA Credit Card3% online shopping rebate
Min. Income
Annual Fee
up to 3%
Easy Payment Plan
From 0% p.a.
Interest Rate
7.99% p.a.
20 days


Put money back into your purse. Enjoy 3% cashback on online transactions, capped at RM30 every month.

Cashback categoryCashback rateMonthly capSpend
Online Retail Spend3%RM30any amount monthly


Get up to 10% cashback on selected duty-free shops across ASEAN countries.

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!

Easy Payment Plans

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.

AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feeRM500
12 months4% p.a. and no one-time upfront handling feeRM2,000
18 months5% p.a. and no one-time upfront handling feeRM4,000
24 months6% p.a. and no one-time upfront handling feeRM5,000
Learn more about AmBank AmFlexi-Pay
AmBank Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM200
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about AmBank Easy Payment Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    Free for life for first 3 supplementary cardholders only

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
AmBank AmFlexi-Pay
Can't wait till pay day to buy that new laptop or watch? Convert your purchases into affordable monthly instalments as low as RM500 now!
AmBank Easy Payment Plan
AmBank Easy Payment Plan offers up to 24 months of instalment plan at 0% interest rate on hundreds of products available at selected partner stores.
Cash Advance / Cash Loan
AmBank QuickCash
Need a hurry cash? Take advantage of the QuickCash Flexi Payment Plan for a competitive upfront fees and flexible repayment periods.


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!