AmBank BonusLink Visa Platinum Credit Card

Min. annual incomeRM24,000RM2,000 / month equivalent

Principal annual feeRM90

Card networkVisaConventional card

Apple PaySupported

Google PaySupported

THE DETAILS

Benefit breakdown

BonusLink earn rates
Merchant	Base points	Additional points
Shell	1 per RM6	3 per RM1
Parkson	1 per RM1	3 per RM1
Selected dining, grocery / shopping and overseas	1 per RM1	—

Additional Shell + Parkson points share a 3,000-point statement cap and are credited in the following cycle; they are not unlimited total points.

Principal annual fee: RM90
Service tax: RM25 per issued principal / supplementary card annually; separate from annual fees.
Retail finance / profit rate: 15% / 17% / 18% p.a., based on timely repayment history.
Cash advance fee: 1.3% of withdrawal plus applicable 8% tax on that fee.
Cash advance finance rate: 18% p.a., calculated daily from withdrawal; no interest-free period.
Minimum payment: 5% of relevant outstanding balance plus full instalments, tax, arrears and over-limit amounts; minimum RM50, subject to PDS formula.
Late payment: 1% of relevant balance; minimum RM10 and maximum RM100.
Foreign exchange: Card-network conversion rate plus 1% bank charge.
Retail grace period: 20 days from statement date when the statement is paid fully and on time; excludes cash advances.
Annual-fee waiver: First two years waived; subsequent annual fee waived with at least 12 card swipes per year. Supplementary annual fee waived.

Minimum annual income: RM24,000 (RM2,000 monthly equivalent)
Principal minimum age: 21 years; upper age / documentary conditions follow the current application.

Card benefits: 3 additional BonusLink points per RM1 at Shell and Parkson, on top of separate base earn; 3,000 additional-point statement cap.
Points expiry: BonusLink points expire after three years, according to the programme.

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.