AmBank TRUE VISA Credit Card credit card

AmBank TRUE VISA Credit Card

Enjoy super low interest rate of 7.99% p.a. for the very first year and cashback of 3% for online retail transactions. Spend more at lower fees!

  • 7.99% p.a. interest rate
  • 20 days interest-free period
  • up to 3% cashback
  • 4.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for AmBank TRUE VISA Credit Card

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Because you should be rewarded for giving the bank your business

Put money back into your pocket! 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
Balance Transfer
Transfer your outstanding balances from the other credit cards to enjoy lower interest rate from range of 4.99% to 8.99% p.a. with the AmTransfer programme.
Pay OverWith Interest Rate AtWhen You Transfer
6 months4.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months8.99% p.a. and no one-time upfront handling feefrom RM5000 
24 months8.99% p.a. and no one-time upfront handling feefrom RM5000 
36 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about AmBank AmTransfer
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
Low Interest Rate
Tired of paying 15 to 18%p.a. on your monthly card bills? Enjoy the lowest interest rate ever at 7.99% p.a. for the first year for all the online retail transactions.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life. Principal cardholers only.
  • Free for life for first 3 supplementary cardholders only
Annual Fee for Supplementary Card
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

All fees & charges are inclusive of 6% GST if applicable


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
Malaysians Only


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

Easy Payment Plan
AmBank AmFlexi-Pay
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.
Balance Transfer
AmBank AmTransfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AmBank TRUE VISA Credit Card review

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

Tired of being broke at the end of every month only to find out it was all because of that credit card bill? Wishing you could still shop but earn cashback and enjoy low interest rates at the same time? Then this is the card you would want to own.

3% Cashback 

Maximise your spending on online bookings and purchases with 3% cashback whenever you use your AmBank TRUE Visa Credit Card. 

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!

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 settle your monthly minimum payment on time for the first year. 

For the second years 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.

No Annual Fees

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.

Even More Savings

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 RM15.90, whichever is higher, whereas other AmBank credit cards require a minimum fee of RM53. 

For the TRUE Visa Card, transactions made outside Malaysia does 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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