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Retail Therapy Just Got Better with the AmBank BonusLink Visa Card


It’s here! It’s finally here!

The new AmBank BonusLink Visa Card is the card that works twice as hard to reward you. Why, you ask? Well, this card doubles as a Credit Card AND a BonusLink Card!

It’s the perfect retail therapy card – you can now collect BonusLink Points wherever and whenever you shop with this card. Subsequently, you’re enjoying the best of both worlds with ONE single card.


Card Application Requirements

Before we get to the good stuff for your future shopping sprees, let’s take a look at the minimum annual income requirements for all three Credit Cards:

VISA Signature Card

VISA Platinum Card

VISA Gold Card

RM80,000 p.a.

RM48,000 p.a.

RM24,000 p.a.


As for the age requirements:

Type of Application

Minimum Age

Principal Card

21 and above

Supplementary Card

18 and above


Stairway to Retail Heaven

Alright, that was easy enough. Now onto the juicy Retail Details.

The AmBank BonusLink Visa Card is truly a gateway to more rewards. Here’s why:


Collect 30 BonusLink Points* for every RM10 spent on selected retail transactions as listed below:

  • Shell Petrol

  • Parkson purchases

  • Dining

  • Groceries

  • Online transactions

  • Entertainment: Movie tickets, bowling alleys & more!


Use this card at BonusLink Partners’ outlets to collect two sets of BonusLink Points, one from AmBank and another from BonusLink Partners.

Check out the correct ways of using the AmBank BonusLink Visa Card at Shell stations and other BonusLink Partners’ outlets.

*Do bear in mind that the award of 30 BonusLink Points per RM10 spent on retail transactions is capped at a maximum of 3,000 BonusLink Points, which is equivalent to spending a total of RM1,000 on said transactions.

*Once you reach the maximum amount of points, your following retail spending on those transactions will be three BonusLink Points per RM10 spent for the remainder of the month.

*No BonusLink Points will be awarded for Shell or any other petrol transactions after you hit the maximum 3,000 mark.

*No additional BonusLink Points will be awarded if an online transaction also bears the same Merchant Category Code (a four-digit number assigned to a merchant by their bank for the purposes of identifying their type of business) for groceries, dining, entertainment, Shell petrol or Parkson departmental stores.


BonusLink at Home and Abroad

Phew, those Terms and Conditions can be a mouthful, but that’s why GoBear is here by your side.  

Moving on – here’s how you earn EVEN MORE BonusLink Points when you shop with this Credit Card:

Non-BonusLink Outlets

VISA Signature Card

VISA Platinum Card

VISA Gold Card

Local Transactions

3 Points per RM10

3 Points per RM10

3 Points per RM10

Overseas Transactions

6 Points per RM10

6 Points per RM10

3 Points per RM10

BonusLink Points Redemption

It’s so easy to redeem your hard-earned points with BonusLink that you won’t EVER get tired of shopping with the AmBank BonusLink Visa Card.

The BonusLink Points you collect will be valid for three years. You can redeem your BonusLink Points through the following BonusLink Redemption Channels:

  • Mobile App

  • Online

  • Mobile Web

  • On-The-Spot Redemption at over 1,100 outlets nationwide

  • Self Service Phone System or speak to a BonusLink Member Services Consultant

  • Fax or mail your redemption form

Bear-able Payment Plan

Shopaholics rejoice!

With the AmBank 0% Easy Payment Plan programme, you can enjoy up to 24 months of interest-free instalment payments on hundreds of products ranging from home and kitchen appliances to mobile phones at participating merchants’ outlets.

Just visit any of AmBank’s partners’ outlets and ask for the AmBank Easy Payment Plan when you make your payment. You can enjoy three- or six-month instalment payment plans with just a minimum purchase of RM500.

Do remember that the AmBank Easy Payment Plan is free from interest ONLY if you pay the monthly instalment in full.

In situations where you choose to pay the minimum amount of 5% of your outstanding balance under the Payment Plan OR RM50 (whichever is higher), instead of the monthly instalment in full, you’ll also be responsible for extra interest charges on the outstanding balance.


AmFlexi-Pay Your Way

As if things weren’t already easy enough for retail therapy patients – AmBank has you covered with the AmFlexi-Pay Plan where you can convert your retail transactions into affordable monthly instalments.

You can apply for any suitable tenure to pay the instalments, with the following fees:


6 Months

12 Months

18 Months

24 Months

Minimum Spendings





Management Fee Rate





The management fee is charged based on the converted amount. This one-off fee is calculated upfront on the converted amount and then billed monthly over the selected tenure period.

No fee will be charged if each monthly instalment is paid in full before the payment due date. Failure to do so will result in extra interest charges based on your AmFlexi-Pay Plan’s remaining outstanding amount.


Excess Limit Service

This really is the card that keeps on giving. AmBank and BonusLink both understand how exciting their card can be, which is why they’ve made the Excess Limit Service an option for potentially over-eager shoppers.

You can subscribe to this Service to shop without worrying about exceeding your assigned credit limit. Like, how considerate, right?

Subscribing is as easy as sending a text message (seriously); standard telco charges do apply.

Bear in mind that the Excess Limit Service is a chargeable service at a fee of 2% of the amount above your credit limit plus 6% GST OR a minimum of RM50 plus 6% GST (whichever is higher), depending on your account. The amount of excess limit granted is at the full discretion of the Bank.


Waive Goodbye to Annual Fees

The AmBank BonusLink Visa Card’s annual fee is waived for the first two years. For subsequent years, the annual fee is waived when you make a minimum of 12 swipes per year.

This truly is the shopper’s card. Retail therapy has never been more accessible!

We’re always here to take care of the hard stuff for you.







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