AmBank BonusLink Visa Gold Card

Annual Income
Annual Fee (Main)
Annual Fee (Sup)
















Basic Info














Lounge Access



















Mileage Partners
1. For every local retail transaction made in Ringgit Malaysia at grocery stores, online, dining outlets, entertainment outlets, Shell petrol and all Parkson department stores bearing the MCC as set out in Table A below, 30 BonusLink Points will be awarded for every Ringgit Malaysia Twenty (RM 20) spent using a BonusLink Co-Brand Card (“30 BLP: RM 20 spent”)
2. The award of 30 BLP: RM 20 spent on retail transactions listed above is capped at a maximum of 3,000 BonusLink Points (which is equivalent to spending an aggregate sum of Ringgit Malaysia Two Thousand (RM 2,000) on the said transactions) for each BonusLink Co-Brand Cardholder per statement month.
3. Once a BonusLink Co-Brand Cardholder earns 3,000 BonusLink Points from the 30 BLP: RM 20 spent on the retail transactions listed in Table A for the month, his subsequent retail spending will revert to 3 BLP: RM 20 spent for the remainder of the month.
4. No BonusLink Points will be awarded for transactions performed at Shell or any petrol transactions after the BonusLink Co-Brand Cardholder earns 3,000 BonusLink Points from the 30 BLP: RM 20 spent on the retail transactions listed above for the month.
5. No additional BonusLink Points will be awarded if an online transaction also bears the same MCC for groceries, dining, entertainment, Shell petrol or Parkson department stores.
6. AmBank BonusLink Visa Gold Cardholders will earn 3 BonusLink Points for every Ringgit Malaysia Twenty (RM 20) spent on transactions made overseas or transactions charged in foreign currency using the BonusLink Co-Brand Card.
7. AmBank BonusLink Visa Cardholders will earn 3 BonusLink Points for every Ringgit Malaysia Twenty (RM 20) spent for these types of online transactions: Bill payment transactions via mobile phone, Utility payment transactions, Insurance payment transactions and Direct Marketing transactions.
8. Redeem 5,700 BonusLink Points to get RM50 cash credit. The RM50 cash will be credited to your credit card account. Redemption can be in multiples of RM 50.
Expenditure
Multiplier
Shopping
Transport
Pharmacy
Petrol
Utilities
Insurance
Groceries
Entertainment
Dining
E wallet
Education
Online e-commerce
Oversea
Hotel
Airlines
Duty Free
Not a Cash Back Card
Expenditure
Cash Back (Cap)
Shopping
Transport
Pharmacy
Petrol
Utilities
Insurance
Groceries
Entertainment
Dining
E wallet
Education
Online e-commerce
Oversea
Hotel
Airlines
Duty Free
TOTAL
Airlines
1,000 Partner Miles
Malaysia Airlines
AirAsia
Singapore Airlines
Cathay Pacific
Air France
EVA Air
British Airways
Etihad Airways
Turkish Airlines
Qatar Airways
Emirates
Japan Airlines
Qantas Airways
Vietnam Airlines
Thai Airways
United Airlines
Hainan Airlines
Delta Airlines
Batik Air
Full-service carrier (FSC)
Oneworld members:
Malaysia Airlines, Cathay Pacific, British Airways, Qatar Airways, Japan Airlines and Qantas
Star Alliance members:
Singapore Airlines, EVA Air, Thai Airways, Turkish Airlines and United Airlines
SkyTeam members:
Air France, Delta Airlines, Vietnam Airlines
No alliance:
Etihad, Erimates and Hainan Airlines.
Low-cost carrier (LCC)
AirAsia and Batik Air
Balance Transfer
- Balance Transfer Plan – It is a feature that allows you to move debt from one or more existing credit cards or loans to a new credit card, typically with a lower or promotional interest rate.
- Loan on Card Plan – It is a feature that allows a cardholder to convert their available credit limit into cash, which they can then repay in fixed monthly installments over a set period, often with a specific interest rate.
- Installment Plan – It is an easy payment plan breaks down a large purchase into manageable monthly installments, making it easier to afford expensive items over time.
- Periodically, certain banks may offer promotional campaigns with highly competitive interest rates. We recommend checking the credit card services page of each bank for the latest offers.
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the balance transfer plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the balance transfer accrues interest at 9.88% per annum.
Loan on Card
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- The name of this service differs across banks. For example, Maybank refers to it as EzyCash, AmBank as QuickCash, Hong Leong Bank as Call for Cash Plus, CIMB as CashLite, and RHB Bank as CashXcess, among others.
- The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the Loan on Card plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the Loan on Card Plan accrues interest at 9.88% per annum.
Installment Plan
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- 0% Easy Pay
- Only applies at selected partner merchants that have a collaboration with the bank.
- The bank absorbs the cost (or shares it with the merchant), so the customer enjoys true 0% interest.
- Tenure can be quite long (up to 36 months), but strictly limited to purchases at those merchants.
- Flexi Payment Plan (FPP)
- Can be applied to any retail purchase (not limited to partner merchants).
- Since it’s not subsidized by a merchant, the bank charges an interest rate (e.g., 9.88% p.a. or similar).
- Gives flexibility but at a cost.
Extra Information
Element
Info
FD Pledge
FD Pledge Amount
Min Credit Limit
PPL Access (Main)
PPL Access (Sup)
PPL Spending Requirement
PPL T&C
TCL Access (Main)
TCL Access (Sup)
TCL T&C
Travel Insurance
Travel Insurance Max Coverage
Travel Insurance T&C
Golf
Golf T&C
Oversea FX Rate
Last Update