How to Apply to AmBank BonusLink Visa Gold Credit Card

The AmBank BonusLink Visa Gold Card allows you to earn BonusLink points and enjoy rewards on daily expenditures. This cobranded credit card combines the benefits of AmBank’s financial services with BonusLink’s loyalty program.

With this card, you can earn points on routine spending like dining, groceries, fuel, and more. The BonusLink partnership also lets you redeem points for vouchers, merchandise, travel deals, and other rewards. Read on to learn about the key features and benefits of this card.

Benefits

The AmBank BonusLink Visa Gold Card comes packed with rewards and perks designed to maximize value from your daily expenditures. One of the biggest benefits is the accelerated earning on BonusLink Points. You earn 3 points per RM20 spent on all local and overseas retail transactions. This base rate itself is higher than many competitor cards.

• Impressive Bonuses: where you really rack up points is through the 10X category bonuses. At major merchants like Shell, Parkson, dining establishments, supermarkets, online shops, entertainment outlets and more, you earn 30 BonusLink Points per RM20 spent. This elevates your earn potential across common spending like petrol, shopping, groceries, meals out and e-commerce. There is a monthly cap of 3,000 points under this 10x program to ensure balanced rewards.
• Access to Club Marriott Malaysia: in addition to point earnings, the AmBank BonusLink card opens privileged access to Club Marriott Malaysia. You enjoy discounts of up to 35% off dining and 20% off room rates at participating Marriott hotels in Malaysia and Asia Pacific. This can lead to significant savings if you frequently stay at Marriott properties for leisure or business travel. You also get dining vouchers and other exclusive perks through Club Marriott membership.
• Convenience in Payments: the card equally focuses on convenient payments. It is enabled for contactless mobile tap-and-go payment via Apple Pay and other smartphone wallets. For large ticket items, the 0% Easy Payment Plan is valuable. It lets you convert transactions above RM500 into 3- or 6-month interest-free installments at many retailers.
• Travel Insurance: for protection on trips, the card has comprehensive travel insurance with high coverage of up to RM1 million. Other useful aspects include the 3-year validity for accumulated BonusLink Points and access to AmBank’s digital banking channels. Overall, the features and benefits target maximum rewards, convenience and privileges across shopping, dining, travel and daily expenditures.
• Seamless Overseas Usage: the AmBank BonusLink Visa Gold Card makes overseas spending convenient and rewarding. You earn 3 BonusLink Points per RM20 on all overseas retail transactions, with no foreign transaction fees. Contactless payments via Apple Pay also work seamlessly abroad at supported merchants. And your overseas spending is protected by the card’s travel insurance, which covers losses like luggage delay, travel delays, and medical emergencies. So, whether you are traveling for leisure or business, you can use the card overseas without worries. The worldwide acceptance of Visa provides peace of mind as well.

Prerequisites

Here are the eligibility criteria to apply for the card:

• Minimum age 21 years for principal cardholder, 18 years for supplementary
• Minimum annual income of RM24,000
• Malaysian citizenship or permanent residency status

About AmBank

AmBank is one of the largest banking groups in Malaysia with over 200 branches nationwide. Founded in 1975, it offers a full suite of financial solutions including retail and corporate banking, investment banking, share broking, insurance and more.

The bank serves over 3 million customers and has over RM139 billion in assets. It has over 8,000 employees’ group wide. AmBank has won numerous awards for its digital banking capabilities and financial solutions. It was Malaysia’s Best Digital Bank by Asiamoney in 2021. The AmBank BonusLink Visa Gold Card complements the bank’s focus on technology and rewards. It appeals to consumers who want a straightforward card for everyday point earning and redemptions.

Who is this card for?

The AmBank BonusLink Visa Gold Card is well-suited for consumers who want an all-round rewards card for daily spending. Specifically, it’s a good fit for:

• Young professionals and Gen Y/Z consumers who want to earn points on routine expenditures
• Those who frequently spend on dining, groceries, petrol, online shopping, and other miscellaneous purchases
• Individuals and families seeking rewards redemption like retail vouchers, electronics, travel deals
• Customers who prefer earning airline miles with BonusLink to hotel points
• Existing AmBank users who want a cobranded card with accelerated earn rates
• Digital natives who use mobile payments like Apple Pay

Step-by-Step Guide to Apply for the Card

Here is how you can apply for the AmBank BonusLink Visa Gold Card:

1. Go to the AmBank website and click on Credit Cards. Then you can visit the page of the credit card.
2. Scroll down to the bottom of the page.
3. You will need to provide personal details, income documents, etc.
4. Review the fees, rates, terms of the card before submitting your application.
5. Alternatively, you can download the AmBank app on iOS or Android and apply via mobile.

PRESS HERE TO APPLY THE AMBANK BONUSLINK VISA GOLD CREDIT CARD

Positives and Negatives of the Card

Pros:

• Accelerated bonus point earn rates on everyday spending
• Wide range of BonusLink rewards like retail, dining, travel, merchandise
• Contactless payments via Apple Pay
• 0% installment plans for purchases
• Comprehensive travel insurance

Cons:

• Relatively high interest rate of 15% per annum
• Annual fee of RM150 applies after first 2 years
• Limit of 3,000 bonus points per month might cap potential earnings
• Does not offer luxury travel privileges of premium cards
• Income requirement of RM24,000 per annum

How to Activate Your New AmBank BonusLink Card

Follow these steps to activate your new AmBank BonusLink Visa Gold Card:

Download the AmBank app on your phone from the App Store or Play Store:

PRESS HERE TO DOWNLOAD THE AMONLINE APP ON IOS
PRESS HERE TO DOWNLOAD AMONLINE APP ON ANDROID

1. Open the app and log in to your AmBank online banking account.
2. Go to Credit Card > Activate New Card.
3. Enter the last 4 digits of your new credit card number.
4. Create a 6-digit PIN for your card. This will be required for ATM and point-of-sale transactions.
5. Your new card is now activated and ready for use!

You can also activate by calling the AmBank Contact Centre at +603-2178 8888.

Fees and Charges for the Card

Here are the key fees and charges for the AmBank BonusLink Visa Gold Card:

• Annual Fee: RM150 (waived for first 2 years)
• Interest Rate: 15% per annum
• Cash Advance Fee: 5% or RM15, whichever is higher
• Minimum Monthly Repayment: 5% of outstanding balance
• Late Payment Penalty: 1% of total outstanding balance or minimum RM10
• Overseas Transaction Fee: 1%

AmBank BonusLink Card Customer Service

Contact AmBank for any queries or assistance regarding your BonusLink Visa Gold Card:

• Call their 24/7 Contact Centre at +603-2178 8888
• Email them at [email protected]
• Visit an AmBank branch near you
• Live chat via the AmBank website
• Send a WhatsApp message to 019-261 8888
• Message them on Facebook

Discover other credit card options in our website, like the AmBank Visa Infinite Business Credit Card!