AmBank Visa Gold credit card

Also available as MasterCard

AmBank Visa Gold

With no annual fees, premium travel privileges and worldwide recognition, the AmBank Gold Visa is definitely a card without boundaries.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Be awarded when you shop - You will be entitled to 1 AmBonus Point on every RM1 you charge on your AmBank credit card. You have a wide choice of gifts and vouchers for redemption in the AmBonus Rewards Catalogue. You also have a choice to use your points for cash redemption.
AmBonus Points
1 point on every RM1on all local and overseas expenses
Your AmBonus Points earned expires in  3 years
Easy Payment Plan (EPP)
AmBank EPP offers zero 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
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
Free Travel Insurance, protecting you for up to RM500,000.
Travel CoverageSum Insured
Personal AccidentUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1300
Delayed LuggageUp to RM600

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
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
RM50.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


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 Visa Gold review

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

Remember the times when you buy a costly item with cash but before handing it over, you would count it a few more times just to make sure there's no notes sticking together or mistakenly slipped a few extra in? Take a leap into the world of convenience with AmBank Visa Gold and worry about those wicked cash no more!

Swipe for Free

Have you ever come across a saying that goes like this - the good life comes at a price? Well it's not entirely true! Enjoy the perks and privileges that this credit card offers at no cost at all, for real! Not only is the annual fee for a principal cardholder waived for life, the first 3 supplementary cards are also free from annual fee.

That's not the case if you don't pay your bills in a timely manner, so make sure you settle your dues before you get slapped with penalty fees!

404 Interest Charges Not Found

Don't worry, this is not a display error but it's a benefit to you. Turn your large purchases into manageable monthly payments for free with AmBank Easy Payment Plan. That's right, you won't have to pay a single cent extra on interest charges or upfront fee for converting it into an installment plan.

Pick a payment duration that you are comfortable with, either 3 months or 6 months long. In order to be eligible to participate in this scheme, your purchases have to be at least RM500 and above.

Have a Worry-Free Trip

Anything that can go wrong, will go wrong. You can make it less impactful not only to you, but to your loved ones too with the travel insurance you get when the full air ticket fare is charged to your AmBank Visa Gold Credit Card.

You will be financially covered up to RM500,000 in the event of death and disablement. That's not all, incidents that are bound to happen while you are having a vacation such as luggage delay, loss of luggage, missed flight connection and delayed flights are well taken care of too by this travel insurance.

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