AmBank Cobrand Master Credit Card


AmBank RealRewards MasterCard

AmBank RealRewards MasterCard


  • 2 sets of points – Real Points and AmBonus Points
  • Convert AmBonus points to Real Points.
  • 1 AmBonus Point for every RM1 you spend
  • 2x AmBonus Points at selected merchants
  • Get 2x Real Points on your birthday month at RealRewards merchants.
  • Enjoy an extra 20% Real Points for a minimum cumulative spending of RM500 and above quarterly at any participating RealRewards merchants.

Annual Income – RM 18,000
Annual Fee – Principle RM 90, Supplementary RM 45 (1st card is Free) (FREE-for-Life for Principal & Supplementary with no transaction condition)

Eligibility – Principle 21 years old, Supplementary 18 years old

Joining FeeUnknown
Cash Advance FeeMinimum RM 50 or 5%
Minimum Monthly RepaymentMinimum RM 50 or 5%
Over-limit FeeMinimum RM 50 or 2% of the amount above credit limit
Late Payment ChargeMinimum RM 5 or 1%, capped on RM 50
Interest Free Period20 days
Card Replacement FeeRM 50
Conversion For Overseas TransactionsMasterCard International conversion rate + 1%
Sales Draft RequestRM 20
Statement RequestRM 20 (only for up to last 3 months)
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