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AmBank Gold MasterCard / Visa Card

Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2,000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    N/A
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • Earn rewards & worldwide access with AmBank Visa Gold
  • free supplementary cards
  • Travel Takaful

  • icon groceries Groceries

    1 Point for every RM1.00 of any retail purchases

  • icon insurance-or-health Insurance or Health

    Travel with absolute peace of mind knowing that you and your family members are protected with RM500,000 travel takaful coverage when the full fare of airline tickets are charged to the card

  • icon dining Dining

    1 Point for every RM1.00 of any retail purchases

icon tag Other Features

  • Earn AmBonus Reward Point: Earn 1 AmBonus Point for every RM1 you spend! 5 x Ambonus Points for oversea spending
  • AmBonus Rewards Redemption: Get more whenever you spend with your AmBank Credit Card for your retail purchases. Each spend will get you points for redemption of awesome products, vouchers and air miles!
  • AmBank On-the-Spot Redemptions: Pay with Points. Redeem On-the-Spot with AmBonus Points at participating outlets.

icon info Card Information

Annual Fee Free
Min. Monthly Income RM 2000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 years old
Fee for supplementary holder First 3 supplementary cards are Free-For-Life. 4th supplementary card onwards is RM188 p.a.
Late payment charge 1% of the outstanding balance subject to a minimum of RM10 whichever is higher, capped to a maximum of RM100
Cash advance amount Approximate 3 times of monthly income or not more than 2 timesof monthly income if your income is RM36000 per annum or less
Cash advance charge 5% of the amount advance or minimum RM50, whichever is higher. This is imposed for each Cash Advance transaction
Cash advance interest charge 1.5% per month or 18% per annum is calculated on a daily rest basis

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Be Rewarded While You Shop

With AmBank MasterCard / Visa Card, you earn 1x AmBonus Point of every Ringgit spent. You can travel with absolute peace of mind knowing that you and your family are protected with complimentary RM500,000 travel insurance coverage when the full fare of airline tickets are charged to the card. With the 0% Easy Payment Plan program, you can enjoy up to 24 months interest free instalment payment on hundreds of products at participating merchants with just a minimum purchase of RM500.

Fees and Charges

The annual fee for this card is free for life for principal holder and free of charge for first 3 cards for supplementary holder. By making prompt minimum payment (the higher of RM50 or 5% of outstanding balance) for 12 consecutive months, you get to enjoy low finance charges rate of 15% per annum. If you are able to make prompt payment for at least 10 out of 12 months, the rate will be 17% per annum, otherwise it will be 18% per annum. As a late repayment penalty, the higher of RM10 or 1% of outstanding balance, up to a maximum of RM100 will apply.

Are You Eligible For The AmBank Gold MasterCard / Visa Card?

To apply for AmBank Gold MasterCard Visa Card, you need to have a minimum monthly income of RM2,000 and to be at least 21 years old for principal holder or at least 18 years old for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as AmBank Imagine Visa Card and Standard Chartered JustOne Gold MasterCard, which may match your requirements.

If you prefer to broaden your credit card search, review more AmBank credit cards and start comparing today!

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