AmBank BonusLink Visa Gold credit card

AmBank BonusLink Visa Gold

Collect BonusLink Points wherever and whenever you are - double the points for spending at selected merchants and get 3x more points on other retail transactions

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM225.00 annual fee
  • Earn up to 30x reward points 

Apply online now for AmBank BonusLink Visa Gold

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Because you should be rewarded for giving the bank your business

Your gateway to more rewards is here - earn up to 3,000 BonusLink Points (BLPs) every month with RM10 spend on selected merchants. Collect two sets of BLPs, each from AmBank and BonusLink Partners, when you swipe at BonusLink Partners' outlets.
BonusLink Points
30 points on every RM10on dining, groceries, online, entertainment, Shell and Parkson department store transactions
3 points on every RM10on other local and overseas retail transactions
Your BonusLink Points earned expires in  3 years
Easy Payment Plan (EPP)
20-day period isn't flexible enough? You can choose to extend it a little bit longer up to 24 months, with interest rates can start as low as 3%. Just make a minimum transaction of RM500.
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
Spending a fortune on a standalone PA coverage? Not anymore with AmBank BonusLink Gold Visa as it has got you covered with travel insurance up to RM500,000.
Travel CoverageSum Insured
Travel InsuranceUp 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 first 2 year and waived when you swipe 12 times per annum for subsequent years
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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


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.

AmBank BonusLink Visa Gold review

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

10x BonusLink Points

For every RM10 spent on selected retail transactions, you get 30 BonusLink Points (BLPs), capped at maximum 3,000 BLPs per month!

There are many merchants ranging from online, dining, groceries suppliers, entertainment to Shell petrol and all Parkson departmental stores. You just have to look out for stores that bear specific MCC Codes under the BonusLink rewards program.

That’s not all, you can also collect 3 BLPs when you swipe RM10 on other non-participating retails, local and overseas.

Stay protected

Keep your fear of uncertainty at bay the next time you’re planning your budget trip as your will be covered up to RM500,000 personal accident coverage. You will also be compensated when you encountered with inconveniences during your travel.

This cover will automatically commence the moment you are alighted from any land, water or air operated by any common commercial carriers, provided your total fare has been charged to your BonusLink Visa co-branded card.

Auto BillPay Program

Tired of paying rolled over amount of the bills you’d forgotten to pay last month? With AmBank Auto BillPay, you will forget no more.

Enroll your AmBank BonusLink Visa Gold in this program and your insurance premium or utilities bills or game subscriptions will be taken care of for you. In fact, you will get 3x BonusLink Points too!

Flexi payment

The card understands your needs for retail therapy. With 0% Easy Payment Plan, you can enjoy 3 or 6 months’ installment payment plan. AmFlexi-Pay, meanwhile, has more options of repayment periods up to 24 months.

You just have to spend a minimum of RM500 in a single receipt and let the bank know your preference.

Increase limit

Exceeded your card limit? Don’t worry as you can increase it to enjoy better peace of mind on your next swipe. At a small fee, you can subscribe to a higher credit limit via an easy SMS registration.

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