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 Visa Infinite Credit Card-i

Earn up to 5% cashback and 12x complimentary airport lounge visits per year plus RM2 million travel insurance, with no annual fee!

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

Hear from our users

Find out how Malaysians start making smart financial decisions with us

Travel

Get exclusive travel privileges, including up to 12x complimentary airport lounge access and travel coverage of up to RM2 million.

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

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 Profit 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 Profit 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 Profit 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 Compensation

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

Cash withdrawal Fee

1.3% of outstanding amount

Profit 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

Up To 12x Free Airport Lounge Visits A Year

You can get up to 12x free visits a year to Plaza Premium Lounge, depending on your Priority Banking tier. Each visit lets you stay for up to three hours, with free food and drinks, WiFi, shower facilities and a quiet place to rest before your flight. To use a visit, you need to spend at least RM1,000 on the card in the calendar month before. The free visits are for the principal cardholder only, and you’ll need to keep the minimum deposits and investments with AmBank for your tier. The terms and conditions have the full details.

Click the list of participating Plaza Premium Lounges to know more.

Up To RM2 Million Travel Cover

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

Dining Deals And Visa Concierge

You can get discounts at selected restaurants such as InterContinental Kuala Lumpur, Firewood, Smith & Wollensky, plus more deals on AmBank Spot. You also get the 24-hour Visa Concierge, which can book restaurants, hotels, flights and activities for you. Since this is an Islamic card, do check that a restaurant is halal-certified before you go.

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 our list of premium credit cards that you can apply for.