AmBank Visa Gold

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

AmBank Visa Gold0% Easy Instalment Plan
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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


Free Travel Insurance, protecting you for up to RM500,000.

Travel CoverageSum Insured
Personal AccidentUp to RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,300
Delayed LuggageUp to RM600

Easy Payment Plans

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.

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
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

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    Free for first 3 Supplementary cards

  • 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
RM50 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


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 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.
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!
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.


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!

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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.