AmBank BonusLink Visa Platinum
3 BonusLink Points per RM1 at Shell & Parkson (capped 3,000 BLP/statement cycle)
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
AmBank BonusLink Visa Platinum overview
The AmBank AmBank BonusLink Visa Platinum is a Card-tier Visa points card built around rewards points. 3 BonusLink Points per RM1 at Shell & Parkson (capped 3,000 BLP/statement cycle). It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It has an annual fee of RM90 (free for 2 years; then waived with 12 swipes/year).
Features & benefits
- ✓3 BonusLink Points per RM1 at Shell & Parkson, capped at 3,000 BLP/statement cycle
- ✓1 BonusLink Point per RM1 on local dining, groceries, shopping & overseas spend (unlimited)
- ✓1 BonusLink Point per RM6 on other spend (unlimited)
- ✓2X BonusLink Points per litre on Shell fuel via complimentary Shell Gold Tier (through 31 Dec 2026)
- ✓Redeem points for cashback, flights, or convert directly to AmBank Current/Savings via AmOnline
Is the AmBank BonusLink Visa Platinum worth it?
The AmBank BonusLink Visa Platinum is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (free for 2 years; then waived with 12 swipes/year)
- +Low income requirement — accessible to first-time applicants
- −RM90 annual fee unless the waiver condition is met
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 0.167 points per RM1, around RM2,000 of monthly spending earns about 334 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — AmBank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the AmBank BonusLink Visa Platinum, in plain language — so nobody gets caught out. Always confirm against the official terms.
- How the cap works
- 3 BonusLink Points per RM1 at Shell & Parkson is capped at 3,000 BLP per statement cycle; the 1 BLP/RM1 (dining/grocery/shopping/overseas) and 1 BLP/RM6 (other spend) tiers are unlimited.
- Foreign transaction fee
- Converted at the Visa International rate plus a 1% AmBank foreign-exchange conversion markup on the converted Ringgit amount.
- Fee waiver
- Free for the first 2 years; thereafter waived with a minimum of 12 swipes per annum (principal). Supplementary cards are free for life, no conditions.
- ⚠The programme was refreshed via an AmBank Group announcement dated 3 December 2025 (welcome offer ran to 31 Mar 2026) — this replaced an older 8x/5x/1x category structure that may still appear in older reviews/aggregators; figures here reflect the current official product page and newsroom announcement, corroborating each other
- ⚠Complimentary Shell Gold Tier membership (2X BonusLink Points per litre at Shell) runs through 31 December 2026
Verified 28 August 2026. Summarised in our own words from AmBank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official AmBank BonusLink Visa Platinumterms & product disclosure →AmBank BonusLink Visa Platinum FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). AmBank also considers your overall credit standing.
The annual fee is RM90, but it can be waived: free for 2 years; then waived with 12 swipes/year.
It earns 0.167 reward points per RM1 spent. 3 BonusLink Points per RM1 at Shell & Parkson (capped 3,000 BLP/statement cycle).
No — the AmBank BonusLink Visa Platinum is a conventional credit card. Check with AmBank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want rewards points — its main draw is "3 BonusLink Points per RM1 at Shell & Parkson (capped 3,000 BLP/statement cycle)". Weigh the RM90 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the AmBank BonusLink Visa Platinum compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with AmBank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by AmBank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.