Free-for-life principal and first 3 supplementary cards
12% interest rate p.a.
3 points for every RM1 spent overseas
AmBank True Visa Card
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- Min. Monthly Income
- RM 3000
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- Interest Rate
- 12% p.a.
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- Cashback
- -
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- Annual Fee
- Free
"Enjoy 0% interest on all purchases for the first 3 months, and the card is yours free-for-life and for the first 3 supplementary cards!
"
iMoney Editor's Review
Key Features
Benefits on...
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Dining
- 3 points for every RM1 spent overseas
- 1 point for every RM1 spent locally
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Shopping
- 3 points for every RM1 spent overseas
- 1 point for every RM1 spent locally
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Entertainment
1 point for every RM1 spent locally -
Groceries
1 point for every RM1 spent locally -
Utilities
1 point for every RM1 spent locally
More details
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Eligibility/Documents
- Min. Monthly Income
- RM 3000
- Min. Age for Principal Holder
- 21
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Fees and charges
- Annual Fee
- Free for life
Other Fees and charges
- Late Payment Charges
- Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
- Finance Charges
- 12% p.a. – prompt minimum payment for 12 consecutive months
- 17% p.a. – prompt payment for at least 10 out of 12 months
- Sales and Services Tax (SST)
- 0% atas yuran tahunan dan caj lain
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Supplementary Card
- Min. Age for Supplementary Holder
- 18 and above years old
- Fee for Supplementary Holder
- Free for life
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Cash Advance
- Amount
- Up to 100% of credit limit
- Charge
- Higher of minimum RM15 or 5% of cash advance amount
Other cash advance info
- Cash Advance Interest Charge
- 18% per annum on cash advance amount
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Others
- Rewards Points Expiry
Other benefits
- 0% interest on all purchases for first 3 months from date of card issuance
- Balance Transfer
- Min. transfer amount: RM1,000 (6 months); RM5,000 (12 and 24 months) , Repayment tenure and interest rate: - 6 months: 4.99% per annum; 0% one-time upfront fee, - 12 and 24 months: 8.99% per annum; 0% one-time upfront fee
- Instalment Plan
- Up to 24 months 0% interest Easy-Payment Plan (EPP), 0% interest Instalment Payment Plan at all participating merchants
Balance Transfer to any AmBank credit cards
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Review by iMoney
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With AmBank True Visa Card, you earn 1x point for every Ringgit spent locally on retail purchases and 3x point for every Ringgit spent on dining and shopping overseas. This card offers a 0% interest on all purchases for first 3 months from date of card issuance. 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.
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The annual fee for this card is free for life for both principal and supplementary holders. By making prompt minimum payment (the higher of RM50 or 5% of outstanding balance) for 12 consecutive months, you get to enjoy finance charge as low as 12% 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.
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To apply for AmBank True Visa Card, you need to have a minimum monthly income of RM3,000 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 Mach Visa Credit Card, which may match your requirements.If you prefer to broaden your credit card search, review more AmBank credit cards and start comparing today!