AmBank TRUE Visa Card

A smart choice for online shoppers. The AmBank TRUE Visa Card is built for Malaysians who do most of their shopping online. It helps you save money through a cash rebate on digital spend and offers a low interest rate to help you manage your balance during the first year.

Save more on your online shopping

You will earn a 3% cash rebate every time you use your card for online retail purchases. This rebate is capped at RM30 per month, which means you can save up to RM360 in a year if you hit the maximum limit each month. It is a straightforward way to get money back on your digital transactions without complex requirements. Refer the terms and conditions for more information. 

Low interest rates for the first year

This card is affordable to use because of its special introductory rate for new cardholders. You will pay a low interest rate of 7.99% p.a. on all your purchases for the first 12 months. After the first year, your rate depends on how consistently you pay your monthly bills. You will be charged 12% p.a. if you pay at least the minimum amount on time for 10 out of 12 months, but this increases to 18% p.a. if you miss a minimum payment in the previous month.

Split your big purchases into smaller payments

You can break up large bills into monthly instalments using two different plans to make your expenses more manageable. The 0% Easy Payment Plan lets you pay for your items over time without any interest charges, while AmFlexi-Pay offers a longer repayment period with a small management fee. To use either plan, you must spend at least RM500 in a single receipt.

Move your credit card debt to save on interest

If you have outstanding balances on credit cards from other banks, you can move them to AmBank. This balance transfer offers 0% interest and only requires a small, one-time upfront fee. You must transfer a minimum of RM1,000 to qualify.

No annual fees for life

The AmBank TRUE Visa Card does not cost anything to keep in your wallet. There is no annual fee for the main cardholder or for the first three supplementary cards. You do not need to spend a certain amount or meet any conditions to enjoy this waiver, it is free for life.