AmBank Islamic Visa Infinite Card

Fast-track your frequent flyer miles with 5x reward points, get 6x yearly access to airport lounges, and 50% off dining with an AmBank Islamic Visa Infinite Card.

AmBank Islamic Visa Infinite Card5X reward points for overseas spending
Min. Income
RM10,000/month
Annual Fee
Free
Balance Transfer
From 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Profit Rate
15% p.a.
Profit-free Period
20 days

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Rewards

Earn 5x AmBonus Points for every RM1 spent on overseas retail purchases (except online transactions), and 1x reward points when you shop locally. Convert reward points to air miles from your favourite frequent flyer programs, or redeem at AmBank On-the-Spot Redemption. Enjoy over 500 card deals and privileges across categories such as shopping, dining, eCommerce, travel, and pampering. Find out more on AmBank Spot.

AmBonus Rewards Point
EarnSpend
5 points on every RM1on overseas retail purchases, except online transactions
1 point on every RM1on all local retail expenses

Travel

Get 6x yearly access to participating Plaza Premium Lounges with a minimum spend of RM1,000 within a calendar month before each visit, 24/7 Visa Concierge Service, and travel Takaful coverage of up to RM2 million for you and your family members. All are subject to terms and conditions.

Travel CoverageSum Insured
Travel InsuranceUp to RM2,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM3,000
Lost LuggageUp to RM6,000
Delayed LuggageUp to RM3,000

Premium

Pay seamlessly and securely with Apple Pay and Google Pay. Just add this AmBank Islamic credit card to your smartphone and enjoy speedy checkouts online and offline! Get up to 50% off food when you dine in at participating Shangri-La Hotel restaurants. Enjoy complimentary green fees with one paying guest when you book a tee time at six selected golf clubs in Malaysia. All are subject to T&Cs.

Balance Transfer

Transfer your outstanding balances from other banks' credit cards to a new AmBank credit card, and enjoy low interest rates. The minimum transfer is RM1,000.

Pay OverWith Profit Rate AtWhen You Transfer
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
48 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
60 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about AmBank Balance Transfer

Easy Payment Plans

AmBank Easy Payment Plan offers up to 36 months of payment tenures at 0% interest on retail purchases from a range of approved merchants. For other purchases, AmBank AmFlexi-Pay offers low interest rates for up to 12 months.

AmBank Easy Payment Plan
Pay OverWith Profit Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about AmBank Easy Payment Plan
AmBank AmFlexi-Pay
Pay OverWith Profit Rate AtWhen You Spend
3 months7.88% p.a.and no one-time upfront handling feeRM500
6 months7.88% p.a.and no one-time upfront handling feeRM500
12 months7.88% p.a.and no one-time upfront handling feeRM500
Learn more about AmBank AmFlexi-Pay

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Compensation
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM12
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM120,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
AmBank Easy Payment Plan
AmBank Easy Payment Plan offers up to 36 months of an instalment plan at a 0% interest rate on hundreds of products available at selected partner stores.
AmBank AmFlexi-Pay
Can't wait till pay day to buy that new laptop or watch? Convert your purchases into affordable monthly instalments as low as RM500 now!
Cash Advance / Cash Loan
AmBank QuickCash
Need a hurry cash? Take advantage of the QuickCash Payment Plan for a competitive upfront fees and flexible repayment periods.
Balance Transfer Plans
AmBank Balance Transfer
Get a flexible repayment up to 60 months with interest rate as low as 4.88% per annum with AmBank when you transfer a minimum amount of RM1,000.

Review

Free 6X Airport Lounge Access

Travel in style with the AmBank Islamic Visa Infinite Card, which entitles you to complimentary access to participating Plaza Premium Lounges worldwide 6 times a year.

Sit back and relax in the comfort of privacy for three hours, where you can use all facilities such as WiFi, showers, food and beverages, and entertainment to take your mind off things before starting your journey.

To enjoy this benefit, just spend a minimum of RM1,000 within a calendar month before each lounge access.

Check out the full terms and conditions for the airport lounge benefit.

Complimentary Travel Takaful Coverage

Travel with peace of mind, as you and your family are covered with up to RM2 million in travel Takaful. You will also be compensated up to RM12,000 if your flight is delayed or missed, or your luggage is delayed or lost during travel. 

To receive this automatic travel Takaful coverage, just charge your upcoming flight ticket purchases to your AmBank Islamic Visa Infinite Card. Terms apply.

AmBonus Reward Points

The AmBank Islamic Visa Infinite Card is your companion for overseas shopping because it rewards you with 5x AmBonus Points for every Ringgit spent on retail purchases outside Malaysia.

1x AmBonus Point will also be rewarded for every RM1 spent on retail transactions locally. This reward point has a 3-year expiry and is not transferable or exchangeable for cash.

You can redeem them for gifts or vouchers, or even air miles, from the AmBonus E-Catalogue, or redeem them at AmBank On-the-Spot Redemption.

The best part about this reward point is that you can fast-track your air miles conversion with over 50 airline partners, such as Enrich Miles, Asia Miles, Singapore Airlines KrisFlyer, AirAsia BIG, and many more.

Dining, Hotel And Concierge Privileges

Save up to 50% on dining at selected Shangri-La Hotel outlets.

Additionally, enjoy a 24-hour Visa Concierge Service that will be there for you round-the-clock, anticipating your lifestyle needs. 

Whether at home or overseas, you can contact their toll-free numbers to get assistance such as card replacement, cash disbursement, medical assistance, and travel assistance, among others.

No Annual Fees

This Islamic premium credit card charges you zero annual fee for life, with no conditions and no hidden motives. The same applies to supplementary cardholders!

Interested in applying? Please prepare the following documents based on your employment type and income.

Salaried (Fixed Income)

  • ONE (1) document:
    • Latest EPF/CPF statement (minimum 3 months' contributions)
  • OR TWO (2) documents:
    • Latest 1 month's salary slip; AND one of the following:
    • Latest EPF/CPF statement; OR
    • Salary-crediting bank statement; OR
    • Latest BE Form with tax payment receipt

Salaried (Fixed and Variable Income)

  • ONE (1) document:
    • Latest EPF/CPF statement (minimum 3 months' contributions)
  • OR TWO (2) documents:
    • Latest 3 months' salary slips; AND one of the following:
    • Latest EPF/CPF statement; OR
    • Salary-crediting bank statement; OR
    • Latest BE Form with tax payment receipt

Salaried (Government)

  • ONE (1) document:
    • Latest 1 month's salary slip with verification QR code

MNC / GLC / PLC / AmBank@Work / Payroll / AMS B/PB

  • ONE (1) document (choose any):
    • Latest 1 month's salary slip (fixed income); OR
    • Latest 3 months' salary slips (fixed and variable income); OR
    • Latest EPF/CPF statement (minimum 3 months' contributions); OR
    • Latest 3 months' salary-crediting bank statements

Self-Employed / Business Owner

  • Business registration documents
  • Latest B/BE Form with tax payment receipt or Notice of Assessment (NOA)
  • Latest 6 months' business or personal bank statements

Commission Earner

  • Latest B/BE Form with tax payment receipt / CP58 / commission statement; AND
  • Latest 6 months' commission-crediting bank statements
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