• Min. Monthly Income

    RM3,000.00

  • Interest Rate

    12% p.a.

  • Balance Transfer

    4.99% p.a.

  • Annual Fee

    Free

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Feature Highlights
  • Free-for-life principal and first 3 supplementary cards
  • 12% interest rate p.a.
Dining
5.7/10
Shopping
5.7/10
Entertainment
4.8/10
Groceries
4.8/10
Utilities
4.8/10

Dining

  • 3 points for every RM1 spent overseas
  • 1 point for every RM1 spent locally

Shopping

  • 3 points for every RM1 spent overseas
  • 1 point for every RM1 spent locally

Entertainment

  • 1 point for every RM1 spent locally

Groceries

  • 1 point for every RM1 spent locally

Utilities

  • 1 point for every RM1 spent locally

Other Features

  • 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

Card Information

Annual Fee Free (Free for life)
Min. Monthly Income RM3,000.00
Min. age for principal holder

21 and above
Min. age for supplementary holder

18 and above
Fee for supplementary holder Free for life
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
Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount

Up to 100% of credit limit
Cash advance charge

Higher of minimum RM15 or 5% of cash advance amount
Cash advance interest charge

18% per annum on cash advance amount
Cashback Limit
Rewards points expiry

Product Review by iMoney Malaysia

Without the Burdens of Extra

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.

Fees and Charges

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.

Are You Eligible For The AmBank True Visa Card?

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!