AmBank True credit card

AmBank True

The perfect all-rounder: a practical everyday credit card for the budget conscious that delivers great savings on interest, fees, and charges.

  • 12% p.a. interest rate
  • 4.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee


Because you should be rewarded for giving the bank your business

Balance Transfer
AmBank AmTransfer offers interest rates from 4.99% and payment terms of up to 24 months.
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)
AmBank EPP offers 0% interest for up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay instalment interest as low as 3% on all the other purchases.
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
When you make prompt payments, the interest rate can go as low as 12% p.a..

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for first 3 Supplementary cards
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
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
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 review

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

If you find the cash back or reward programmes offered by credit cards in the market too complicated or simply unappealing, you probably don’t need these features. All you need is a credit card that will serve your real financial requirements – AmBank True.

Low Interest Rates

To ensure that AmBank True cardholders maximise their savings in interest payments, this credit card offers attractive rates. For starters, AmBank will not charge any interest on outstanding card balances for the first 3 months. This means cardholders get to enjoy interest free shopping.

After that, an effective annual percentage rate ( APR) of 12% is levied on outstanding card balances. This will give AmBank True cardholders a savings of 3% interest per year as the normal interest rate stipulated by Bank Negara Malaysia is set at a minimum of 15%, so you can keep doing what you love. Cardholders will continue to enjoy the 12% rate as long as they settle the minimum payment due on outstanding balances promptly.

4.99% Balance Transfer

A good credit card should also function as a financial tool to help cardholders manage their money and AmBank True can do just that. This credit card comes with a balance transfer feature which allows cardholders to transfer any outstanding balances from other credit cards or charge cards to AmBank True credit card.

AmBank AmTransfer enables AmBank True cardholders to pay off the combined outstanding balances at low interest rates. There are 3 option plans available which offer interest rates from as low as 4.99% to 8.99%. Cardholders can also choose to pay up in 6, 12 or 24 months.

The low interest rate of 4.99% can generate more savings in interest payments especially for outstanding balances transferred from banks which charge a higher interest rate. Moreover, a consolidated account will also make it easier for cardholders to monitor and manage their card balances.

Free for Life

Another good reason to own AmBank True credit card is it is free for life. With no conditions on fee waivers and no need to spend extra on annual fees, maintaining this card membership is so easy. Other requirements include an annual income of at least RM36000 and a minimum age of 21 years old.

Savings and Convenience

AmBank True is a no frills credit card which gives its cardholder exactly what they need. Its low interest rates, automatic bill payments via AutoBillPay, balance transfer programme and flexible payment plan features allow cardholders to enjoy all the savings and conveniences that a credit card should provide.

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