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    AmBank Credit Cards for Dining

    Dining credit cards are ideal for those who dine out frequently and prefer some sort of perks and privileges on their dining expenses. AmBank has three dining cards that offer many perks. Take a look at the cards, their features and benefits, and how you can apply for them.

    AmBank BonusLink Visa Signature Card

    Rewards Category Rewards Rate Annual Fee
    Dining 10x BonusLink Points RM550

    Features and Benefits

    • Earn 10x BonusLink Points on dining transactions.
    • Earn 10x BonusLink Points on grocery, entertainment, and online transactions as well as petrol purchases at Shell Petrol, and purchases made at Parkson.
    • Get 3 BonusLink Points for every RM10 spent on all local purchases.
    • Get 6 BonusLink Points for every RM10 spent on overseas purchases.
    • Earn 2 sets of BonusLink Points for a single retail purchase made at any of the BonusLink partner outlets.
    • Redeem your accumulated BonusLink Points on a range of lifestyle products.
    • Redeem 5,700 BonusLink Points and earn RM50.
    • Earn 1,000 BonusLink Points for every first AutoBillPay enrolment with participating partners only.
    • Enjoy 5x Plaza Premium Lounge access in local and international airports.
    • Get 25% discount on Malaysian lounges and 20% discount on overseas lounges for your companion.
    • The annual fees are waived for the first 2 years. For the subsequent years, the annual fees are waived with a minimum of 12 swipes per year.
    • Enjoy Visa golf privileges.
    • Stay protected with up to RM2 million travel insurance coverage for you and your family.
    • Use the Excess Limit Service facility to spend more than the maximum limit assigned to your credit card.

    AmBank BonusLink Visa Platinum Card

    Rewards Category Rewards Rate Annual Fee
    Dining 10x BonusLink Points RM450

    Features and Benefits

    • Earn 10x BonusLink Points on dining purchases.
    • Earn 10x BonusLink Points on grocery, entertainment, and online purchases as well as petrol transactions at Shell Petrol, and purchases made at Parkson.
    • Earn 3 BonusLink Points on every RM10 spent on all local retail purchases.
    • Earn 6 BonusLink Points on every RM10 spent on overseas retail purchases.
    • Get RM50 as cash when you redeem 5,700 BonusLink Points.
    • Use your BonusLink Points to redeem a range of lifestyle products.
    • Earn 2 sets of BonusLink Points on every transaction made at BonusLink partner outlets.
    • Enjoy 2x Plaza Premium Lounge access at over 26 major local and international airports.
    • Get 25% discount on Malaysian airport lounges and 20% discount on overseas airport lounges for your accompanying guests.
    • Get travel insurance coverage of up to RM1 million when you pay the full airfare with your card.
    • The card's annual fees are waived for the first 2 years. For the following years, the annual fees are waived with a minimum of 12 swipes a year.
    • Spend more than your credit limit using the Excess Limit Service facility.
    • Get 1,000 BonusLink Points for every first successful AutoBillPay enrolment with participating partners only.

    AmBank BonusLink Visa Gold Credit Card

    Rewards Category Rewards Rate Annual Fee
    Dining 10x BonusLink Points RM225

    Features and Benefits

    • Earn 10x BonusLink Points on all dining purchases.
    • Earn 10x BonusLink Points on selected retail purchases, including petrol purchases at Shell Petrol, groceries, entertainment, purchases at Parkson, and online transactions.
    • Earn 2 sets of BonusLink Points to make purchases at BonusLink partner stores.
    • Get 3 BonusLink Points for every RM10 on all local spends.
    • Get 3 BonusLink Points for every RM10 on all overseas spends.
    • Redeem 5,700 BonusLink Points to get RM50 as cash.
    • Use the accumulated BonusLink Points to redeem a range of lifestyle products.
    • Get a complimentary travel insurance coverage of up to RM500,000 p.a. for you and your family.
    • Using the Excess Limit Service facility to spend more than the maximum assigned credit limit on your card.
    • Get 1,000 BonusLink Points with participating billers for every first AutoBillPay enrolment.
    • The annual fees are waived for the first 2 years. From the next year onwards, the annual fees will be waived when a minimum of 12 swipes are made using this card in a year.

    How Do AmBank Dining Credit Cards Work?

    To understand the working mechanism of AmBank Dining Credit Cards, let’s take the example of AmBank BonusLink Visa Signature Credit Card.

    Let’s suppose the cardholder makes a total transaction of RM3,100 in a month. The following table will explain the breakup of the expenses.

    Type of Transaction Amount Spent Rewards Rate Total BonusLink Points Accumulated
    Local Dining RM500 15,000 BonusLink Points 47,400BonusLink Points
    Grocery RM500 15,000 BonusLink Points
    Entertainment RM200 6,000 BonusLink Points
    Petrol Purchases at Shell Petrol RM300 9,000 BonusLink Points
    Overseas Transactions RM1,000 600 BonusLink Points
    Overseas Dining RM600 1,800 BonusLink Points

    When the cardholder spends RM3,100 on local and overseas purchases, they earn 47,400 BonusLink Points. These points can be used for redeeming a range of products and gift vouchers.

    Fees and Charges

    Factors Fees and Charges
    Annual Fee (Principal Cardholder) AmBank BonusLink Visa Signature: RM550. AmBank BonusLink Visa Platinum: RM450. AmBank BonusLink Visa Gold: RM225.
    Annual Fee (Supplementary Cardholder) AmBank BonusLink Visa Signature: RM300. AmBank BonusLink Visa Platinum: RM250. AmBank BonusLink Visa Gold: RM125.
    Cash Advance Interest Rate 18% p.a.
    Cash Withdrawal Fee A minimum of RM15 or 5% of the cash advance amount, whichever is higher.
    Retail Interest Rate 15% to 18% p.a.
    Late Payment Fee A minimum of RM10 or 1% of the outstanding balance.
    Minimum Monthly Payment A minimum of RM50 or 5% of the outstanding balance, whichever is higher.

    Eligibility

    Criteria/Card Name AmBank BonusLink Visa Signature AmBank BonusLink Visa Platinum AmBank BonusLink Visa Gold
    Income Requirements RM80,000 p.a. RM48,000 p.a. RM24,000 p.a.
    Age Requirements (Principal Card) 21 years
    Age Requirements (Supplementary Card) 18 years

    Documents Required

    Employment Type Documents Required (For Both Cards)
    Salaried Applicants (MNC/PLC)
    • 1 copy of MyKad
    And any one of the following documents:
    • EPF statement
    • Bank statement (latest)
    • Salary slip (latest 1 month)
    Salaried Applicants (Non MNC/PLC)
    • 1 copy of MyKad
    And any one of the following documents:
    • EPF statement
    • Bank statement (latest) and 1 month salary slip (latest)
    Government Applicants
    • 1 copy of MyKad
    And any one of the following documents:
    • EPF statement
    • Bank statement (latest)
    • Salary slip (last 1 month)
    Self-employed Applicants
    • 1 copy of MyKad
    • Business Registration Certificate or Form 9, 24, 49
    And any one of the following documents:
    • Bank statement (last 6 months)
    • The latest Form B/ BE with the validated receipt of payment to LHDN
    Commission Earners
    • 1 copy of MyKad
    And any one of the following documents:
    • Salary slip (latest 6 months).
    • The latest Form B/ BE with the validated receipt of payment to LHDN.

    How to Apply For an AmBank Dining Credit Cards?

    Type Process
    Branch Application
    • Visit the nearest AmBank branch.
    • Fill in the application form for the dining card of your choice.
    • Submit the application form and the mandatory income documents.
    Online Application
    • Visit AmBank’s official website.
    • Go to the specific card page.
    • Download the application form.
    • Fill in the form.
    • Upload mandatory income documents.
    • Submit the application form.
    Application Via Fax
    • Visit AmBank’s official website.
    • Go to the specific card page.
    • Download the application form.
    • Fill in the form.
    • Fax it along with the mandatory income documents.

    If you dine out frequently, you can opt for AmBank credit cards. You not only get BonusLink Points with every dining purchase, but also other privileges, including complimentary travel insurance, airport lounge access, and cash credit. You can redeem your BonusLink Points on a range of lifestyle products and gift vouchers. Before applying for a card, it is recommended to go through the card’s Product Disclosure Sheet and Terms and Conditions in detail.

    FAQs

    Q. Are there any exclusions to earn BonusLink Points?

    A. You won’t be able to earn BonusLink Points on government-related payments, charity payments, fees and charges imposed by AmBank, and on any quasi-cash transactions.

    Q. Is there any capping for the BonusLink Points?

    A. The BonusLink Points are capped at 3,000 BonusLink Points per cardholder, every statement month.

    Q. How do I check the BonusLink Points I have accumulated?

    A. You can check your accumulated Bonus Link Points in the following ways:

    • Check the summary statement sent by BonusLink.
    • Check the monthly statement of your credit card.
    • Download the BonusLink – Lifestyle & Loyalty app on your mobile, sign up, and access your Points summary.
    • On BonusLink's official website.

    Q. Do the BonusLink Points come with a validity?

    A. The BonusLink Points are valid for three years. All the unused points are forfeited after this period.

    Q. Will I be able to combine the points collected on the principal and supplementary cards?

    A. Yes. You will be able to combine the points and redeem them on the products of your choice.

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