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AmBank Kad Visa True

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 3000
  • icon Kadar Faedah
    Kadar Faedah
    12% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    Percuma

Ciri Utama

  • Free-for-life principal and first 3 supplementary cards
  • 12% interest rate p.a.
  • 3 points for every RM1 spent overseas
  • icon dining Makan

    • 3 mata untuk setiap RM1 yang dibelanjakan di luar negara
    • 1 mata untuk setiap RM1 yang dibelanjakan secara tempatan
  • icon shopping Beli-Belah

    • 3 mata untuk setiap RM1 yang dibelanjakan di luar negara
    • 1 mata untuk setiap RM1 yang dibelanjakan secara tempatan
  • icon entertainment Hiburan

    1 mata untuk setiap RM1 yang dibelanjakan secara tempatan
  • icon groceries Barangan Runcit

    0 mata untuk setiap RM1 yang dibelanjakan secara tempatan
  • icon utilities Utiliti

    1 mata untuk setiap RM1 yang dibelanjakan secara tempatan

icon tag Other Features

  • 0% faedah untuk semua pembelian selama 3 bulan pertama dari tarikh pengeluaran kad:
  • Pindahan Baki: Min. jumlah pemindahan: RM1, 000 (6 bulan); RM5, 000 (12 dan 24 bulan), Tempoh pembayaran semula dan kadar faedah: - 6 bulan: 4.99% setahun; 0% yuran pendahuluan sekali, - 12 dan 24 bulan: 8.99% setahun; Bayaran pendahuluan 0%
  • Pelan Ansuran: Pelan Mudah Bayaran (EPP) faedah sehingga 24 bulan 0%, Pelan Pembayaran Ansuran faedah 0% untuk semua peniaga yang mengambil bahagian

icon utilities Card Information

Gaji Minimum Bulanan RM 3000
Min. age for principal holder 21
Fee for principal holder Percuma
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder Percuma seumur hidup
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
Cash advance amount Sehingga 100% had kredit
Cash advance charge RM15 atau 5% (mana-mana yang lebih tinggi)
Cash advance interest charge 18% setahun ke atas jumlah pendahuluan tunai
Rewards points expiry Tiada

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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!