How to apply for a personal loan online?

Applying for a personal loan online is easy. Visit our personal loan comparison page, choose a loan, and click apply. Fill in the online form and submit.

What documents are needed for a credit card application?

Typically, you'll need your NRIC/MyKad, latest payslips or income tax returns, and bank statements.

What is the minimum income requirement?

Minimum income requirements vary by bank and product. Generally, it can range from RM2,000 to RM5,000 per month.

AmBank SIGNATURE Priority Banking The Metal Visa Infinite Credit Card

Enjoy up to 15x AmBonus Points, with unlimited airport lounge access and up to RM2 million travel coverage plus a complimentary hotel membership.

Annual Fee: Free
Balance Transfer: From 4.88% p.a.
Easy Payment Plan: From 0% p.a.
Interest Rate: 15% p.a.
Interest-free: 20 days

Hear from our users

Find out how Malaysians start making smart financial decisions with us

Rewards

Get up to 15x AmBonus Points for overseas spending except online transactions. Convert AmBank Rewards Points to air miles at over 50 airline partners, or redeem products or vouchers.

AmBonus Points
Earn	Spend
15 points on every RM1	on all overseas retail expenses, except online transactions
6 points on every RM1	on local dining spend
1 point on every RM1	on all other spend

Travel

Get unlimited* complimentary access to participating Plaza Premium Lounges, Plaza Premium First & LoungeKey in Malaysia and overseas. Additionally, enjoy comprehensive travel benefits such as complimentary hotel membership, overseas rides, airport rides and up to RM 2 million insurance coverage, terms apply!

Travel Coverage	Sum Insured
Travel Insurance	Up to RM2,000,000
Delayed Flight	Up to RM1,000
Missed Flight	Up to RM3,000
Lost Luggage	Up to RM6,000
Delayed Luggage	Up to RM3,000

Premium

Pay seamlessly and securely with Apple Pay and Google Pay. Just add this AmBank credit card to your smartphone and enjoy speedy checkouts online and offline! Plus, exclusive dining deals up to 50% at selected restaurants . Terms and conditions apply.

Balance Transfer

Transfer your outstanding credit card balances from another bank to a new AmBank account for up to 60 months with 6.88% interest.

Pay Over	With Interest Rate At	When You Transfer
6 months	4.88% p.a. and no one-time upfront handling fee	from RM1,000
12 months	4.88% p.a. and no one-time upfront handling fee	from RM1,000
24 months	5.88% p.a. and no one-time upfront handling fee	from RM1,000
36 months	5.88% p.a. and no one-time upfront handling fee	from RM1,000
48 months	6.88% p.a. and no one-time upfront handling fee	from RM1,000
60 months	6.88% p.a. and no one-time upfront handling fee	from RM1,000

Learn more about AmBank Balance Transfer

Easy Payment Plans

AmBank Easy Payment Plan offers 36 months of payment terms with a 0% interest rate on retail purchases from a range of approved merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay offers instalments for as low as 7.88%.

AmBank AmFlexi-Pay
Pay Over	With Interest Rate At	When You Spend
3 months	7.88% p.a.and no one-time upfront handling fee	RM500
6 months	7.88% p.a.and no one-time upfront handling fee	RM500
12 months	7.88% p.a.and no one-time upfront handling fee	RM500

Learn more about AmBank AmFlexi-Pay

AmBank Easy Payment Plan
Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	RM500
6 months	0% p.a. and no one-time upfront handling fee	RM500
12 months	0% p.a. and no one-time upfront handling fee	RM1,000
24 months	0% p.a. and no one-time upfront handling fee	RM1,000
36 months	0% p.a. and no one-time upfront handling fee	RM1,000

Learn more about AmBank Easy Payment Plan

Fees & Charges

Annual Fee

RM0 primary card
Free for life for both principal and supplementary cards
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 Fee

RM10 or 1% of outstanding amount, up to a maximum of RM100

Cash withdrawal Fee

1.3% of outstanding amount

Interest Rate on Cash Withdrawals

18%

Requirements

Minimum Age

21 years old primary card
18 years old supplementary card

Who can apply

Invitation Only

Features

Easy Payment Plan
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!
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.
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

No Annual Fee

There’s no annual fee for the principal card or supplementary cards, and you don’t need to meet any spending target to keep it that way. It’s free for life.

Earn Up To 15x AmBonus Points

You get up to 15x AmBonus Points for every RM1 you spend overseas, but only when you pay in a physical shop. Earn up to 6x AmBonus Points on every RM1 spent for local dining and collect 1x point for every RM1 for all other spending.

Some spending doesn’t earn any points at all. This includes petrol, e-wallet top-ups, JomPAY, FPX, DuitNow QR, government payments and charity payments.

Over 500 card deals and privileges from categories such as shopping, dining, eCommerce, travel and pampering. Find out more on AmBank Spot.

Unlimited Airport Lounge Visits

Enjoy unlimited* visits participating Plaza Premium Lounges, Plaza Premium First and LoungeKey in Malaysia and overseas. To know which lounges you can rest in for free, view the list of participating airport lounges. For LoungeKey, you need to download the LoungeKey App and activate your Digital Pass for a seamless visit. Terms and conditions appy.

Up To RM2 Million Travel Coverage

AmBank SIGNATURE Priority Banking The Metal Visa Infinite Credit Card comes with travel coverage of up to RM2 million, and it also covers your spouse and children. Check the policy document to know what’s included and how to claim.

Dining Deals And Visa Concierge

You can get up to 50% off at selected restaurants. Some deals have a minimum spend, such as 25% off à la carte and dim sum orders when you spend at least RM1,000. You also get the 24-hour Visa Concierge, which can book restaurants, hotels, flights and activities for you. As a Visa Infinite cardholder, you get free Diamond membership on Trip.com and 20% off food and drinks at Continents restaurant in Sama-Sama Hotel KLIA too.

Who Can Get This Card

You can’t apply for this card. AmBank offers it to AmBank SIGNATURE Priority Banking customers who meet its minimum deposit and investment requirements. If you’re not a Priority Banking customer, have a look at RinggitPlus's list of premium credit cards that you can apply for.