AmBank BonusLink Visa Signature
Premium rewards and travel perks with the AmBank BonusLink Visa Signature
Get a Apple Watch Series 11 worth RM 1,799when you apply with CompareHero*
* T&Cs apply
Eligibility
Minimum Monthly Income
RM 6,667 (RM 80,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest salary slip
- Latest bank statement
- Latest B/BE Form with the official Tax Payment Receipt
- Latest B/BE Form/E-Filing with official tax receipt
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for the first 2 years. Waived from year 3 onwards with 12x transactions yearly
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Rewards & Travel
Get 5x BonusLink Points when you spend in Shell and Parkson. Get 2x BonusLink Points for local dining, shopping, groceries and overseas spend. Redeem 5,700 BonusLink Points to get cash credit (in multiples of RM50) to your account.
6x complimentary annual access to Plaza Premium Lounge in over 50 countries (subject to a minimum spend of RM1,000 within a calendar month before each visit)
Complimentary round of golf with one paying guest. Premium memberships with Club Marriott Malaysia.
Product review by CompareHero
Looking for a credit card that rewards your everyday spending while giving you access to premium travel perks? The AmBank BonusLink Visa Signature card might just be your perfect match.
This card is designed for savvy spenders who want to maximise their rewards, especially if you're a frequent traveller or love shopping at BonusLink partner outlets.
What Makes This Card Special?
The AmBank BonusLink Visa Signature sits at the top tier of the BonusLink card family, and it shows.
You're getting a lifestyle card that opens doors to airport lounges, travel insurance, and exclusive privileges that make your journeys more comfortable.
Key Features and Benefits
Generous BonusLink Points Earning
Here's where this card really shines. Every RM1 you spend in Shell and Parkson gets you 5x BonusLink Points, capped at 3,000 additional points. You will get unlimited 1x points for every RM1 spent on local dining, groceries, shopping, and overseas transactions. All other eligible spending, including Shell, earns unlimited 1x points for every RM6.
But here's the clever part: when you use this card at BonusLink Partner outlets, you collect two sets of points, one from AmBank and another from the partner itself.
It's like getting rewarded twice for the same purchase.
Premium Travel Perks
As a Visa Signature cardholder, you'll enjoy:
- 6x complimentary Plaza Premium Lounge visits per year - Skip the airport chaos and relax in comfort before your flight. This is subject to you spending a minimum of RM1,000 within a calendar month before each visit (terms apply)
- Golf privileges - Perfect for those who enjoy hitting the greens. Get a complimentary round of golf with one paying guest
- Club Marriott Malaysia privileges - Enjoy special benefits at Marriott properties
Smart Redemption Options
Your BonusLink Points are valid for three years, giving you plenty of time to accumulate and redeem them.
You can:
- Redeem through BonusLink's various redemption channels for products, vouchers, and more
- Convert points to cash credit on your card statement (in multiples of RM50)
- Link your BonusLink account to the AmOnline App and earn 1% cashback in BonusLink Points on eligible transactions
Flexible Payment Options
Life happens, and sometimes you need flexibility with your payments. This card offers:
- Easy Payment Plan (EPP) - Convert large purchases into manageable monthly instalments
- AmFlexi-Pay - Make your big-ticket items more affordable
- Excess Limit Service - Need to exceed your credit limit temporarily? Just call and request it (RM9 fee + 8% SST applies when triggered)
Modern Payment Methods
The card supports both Google Pay and Apple Pay, so you can tap and go with your smartphone or smartwatch. No need to carry the physical card if you don't want to.
What Are The Fees I Should Know About?
Let's talk money because transparency matters.
Annual Fee:
- FREE for the first 2 years - That's right, no annual fee to worry about initially
- Waived from year 3 onwards if you make at least 12 transactions per year (just one swipe per month. Easy!)
- If you don't meet the 12-swipe requirement, standard annual fees apply (RM550 for the principal card, and RM300 for the supplementary card)
Other Fees:
- Excess Limit Service: RM9 + 8% SST (only charged when you use this service)
- Check out the complete details on other fees
Who Should Apply?
This card is ideal if you:
- Travel frequently and want to enjoy airport lounge access
- Shop regularly at BonusLink partner outlets (like Parkson, Shell, and more)
- Make overseas purchases or travel abroad often
- Want premium travel benefits without the hefty annual fees of traditional premium cards
- Already collect BonusLink Points and want to maximise your earning potential
Application Requirements
While the specific eligibility criteria may vary, typical requirements for a Visa Signature card include:
- Minimum age of 21 years old
- Malaysian citizen or permanent resident
- Minimum annual income requirement of RM80,000
Final Thoughts
The AmBank BonusLink Visa Signature card offers solid value, especially if you're already in the BonusLink ecosystem. The combination of decent earning rates, premium travel benefits, and the waivable annual fee makes it an attractive option for those who want a step up from basic rewards cards without breaking the bank.
The 6x lounge visits alone can easily justify any eventual annual fee (if you don't make 12 swipes a year), and the double points on overseas spending are genuinely competitive. Just remember to link your card to the AmOnline App to maximise that 1% cashback earning potential.