AmBank BonusLink Visa Signature Card

Annual Income

RM 80,000

Annual Fee (Main)

RM 550 [waive with 12 swipes annually]

Annual Fee (Sup)

RM 300 [waive with 12 swipes annually]

Basic Info

Spending Criteria

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 Signature Cardholders will earn 6 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

30 Bonus Link (every RM 20 spend) PARKSON ONLY

Transport

30 Bonus Link (every RM 20 spend)

Pharmacy

3 Bonus Link (every RM 20 spend)

Petrol

30 Bonus Link (every RM 20 spend) SHELL ONLY

Utilities

3 Bonus Link (every RM 20 spend)

Insurance

3 Bonus Link (every RM 20 spend)

Groceries

30 Bonus Link (every RM 20 spend)

Entertainment

30 Bonus Link (every RM 20 spend)

Dining

30 Bonus Link (every RM 20 spend)

E wallet

Not Applicable

Education

30 Bonus Link (every RM 20 spend) [online]

Online e-commerce

30 Bonus Link (every RM 20 spend) [online]

Oversea

6 Bonus Link (every RM 20 spend)

Hotel

30 Bonus Link (every RM 20 spend) [online]

Airlines

30 Bonus Link (every RM 20 spend) [online]

Duty Free

3 Bonus Link (every RM 20 spend)

Not a Cash Back Card

Expenditure

Cash Back (Cap)

Shopping

Not Applicable

Transport

Not Applicable

Pharmacy

Not Applicable

Petrol

Not Applicable

Utilities

Not Applicable

Insurance

Not Applicable

Groceries

Not Applicable

Entertainment

Not Applicable

Dining

Not Applicable

E wallet

Not Applicable

Education

Not Applicable

Online e-commerce

Not Applicable

Oversea

Not Applicable

Hotel

Not Applicable

Airlines

Not Applicable

Duty Free

Not Applicable

TOTAL

Not Applicable

Airlines

1,000 Partner Miles

Malaysia Airlines

Not Applicable

AirAsia

Not Applicable

Singapore Airlines

Not Applicable

Cathay Pacific

Not Applicable

Air France

Not Applicable

EVA Air

Not Applicable

British Airways

Not Applicable

Etihad Airways

Not Applicable

Turkish Airlines

Not Applicable

Qatar Airways

Not Applicable

Emirates

Not Applicable

Japan Airlines

Not Applicable

Qantas Airways

Not Applicable

Vietnam Airlines

Not Applicable

Thai Airways

Not Applicable

United Airlines

Not Applicable

Hainan Airlines

Not Applicable

Delta Airlines

Not Applicable

Batik Air

Not Applicable
Please refer to the table below:

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

Not Applicable
Not Applicable

6

0% / 4.88%
1,000

9

Not Applicable
Not Applicable

12

0% / 4.88%
1,000

18

Not Applicable
Not Applicable

24

0% / 5.88%
1,000

36

0% / 5.88%
1,000
  • 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

Not Applicable
Not Applicable

6

Not Applicable
Not Applicable

9

Not Applicable
Not Applicable

12

0% / 9.38%
1,000 (90% of credit limit)

18

Not Applicable
Not Applicable

24

0% / 9.38%
1,000 (90% of credit limit)

36

0% / 9.38%
1,000 (90% of credit limit)
  • 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

7.88% / 0%
500

6

7.88% / 0%
500

9

Not Applicable
Not Applicable

12

7.88% / 0%
500

18

Not Applicable
Not Applicable

24

Not Applicable
Not Applicable

36

Not Applicable
Not Applicable
  • 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

Premium Plaza Lounge List

6X access per calendar year with a minimum spend of Ringgit Malaysia One Thousand (RM 1,000) within 30 calendar days before and/or 30 calendar days after each lounge access.

Element

Info

FD Pledge

YES

FD Pledge Amount

RM 25,000

Min Credit Limit

Not Applicable

PPL Access (Main)

6

PPL Access (Sup)

Not Applicable

PPL Spending Requirement

RM 1,000

PPL T&C

TCL Access (Main)

Not Applicable

TCL Access (Sup)

Not Applicable

TCL T&C

Travel Insurance

YES

Travel Insurance Max Coverage

RM 1,000,000

Travel Insurance T&C

Golf

1x

Golf T&C

Oversea FX Rate

0%

Last Update

20 Aug 2025
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