AmBank Visa Infinite

Enjoy 6x access to participating Plaza Premium Lounge, 5x reward points, faster air miles conversion and up to RM2 million travel insurance coverage with AmBank Visa Infinite.

AmBank Visa Infinite5X reward points for overseas spending
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 5x AmBonus Points for every RM1 swipe on retail transactions overseas (excluding online purchases). Convert reward points to air miles with 50 frequent flyer program partners. Over 500 card deals and privileges from categories such as shopping, dining, eCommerce, travel and pampering. Find out more on AmBank Spot.

AmBonus Reward Point
5 points on every RM1on overseas retail purchases (except online transactions)
1 point on every RM1on all local retail expenses


6x complimentary access to participating Plaza Premium Lounge per year (subject to minimum spending criteria), Visa Concierge Service for any inquiries and emergencies, and automatic travel insurance coverage of up to RM2 million are yours to enjoy. Terms and conditions apply.

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


This credit card is available for Apple Pay! Additionally, enjoy exclusive dining and hotel privileges with Club Marriott Malaysia Annual Membership, plus 1-for-1 dining deals at participating Shangri-La Hotels for your indulgence! Exclusively for Visa Infinite cardholders, reserve a tee time at 6 selected golf clubs in Malaysia and enjoy complimentary green fees with one paying guest. Don't miss out on AmBank's Amazing30 deals (RM30 off, RM30 cashback or 30% off) every day with selected merchants too! All are subject to terms and conditions.

Easy Payment Plans

AmBank Easy Payment Plan offers up to 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 buy-now-pay-later instalments for as low as 3% interest.

AmBank Easy Payment Plan
Pay OverWith Interest 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 Interest Rate AtWhen You Spend
6 months3% p.a.and no one-time upfront handling feeRM500
12 months4% p.a.and no one-time upfront handling feeRM500
18 months5% p.a.and no one-time upfront handling feeRM500
24 months6% 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

    Free for the first 3 supplementary cards, 4th supplementary card onwards is RM188 p.a.

  • 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
RM50 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


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


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 Flexi Payment Plan for a competitive upfront fees and flexible repayment periods.


Complimentary access to selected Plaza Premium Lounges

Your travelling gets more rewarding and satisfying with AmBank Visa Infinite as you get 6x complimentary access to participating Plaza Premium Lounges in selected airports every year.

You can relax in the comfort of privacy for three hours and have full access to facilities such as WiFi, shower, food and beverages and entertainment.

To enjoy the privilege, you need to spend a minimum of RM1,000 within 30 days before and/or 30 days after each lounge access. Click here to find out more details.

Free travel insurance

Travel in peace of mind knowing that you and your spouse or family members will also be protected with up to RM2 million travel insurance for free when you charge the full flight ticket fares to your AmBank Visa Infinite on your next trip.

Security does not end just there. You will also be compensated for the inconveniences such as lost/delayed luggage or missed/delayed flight for up to RM12,000 during your travel. Terms apply.

Fast track air miles conversion

Earn 5x AmBonus Points for every Ringgit spent overseas, whereas 1x AmBonus Point for every RM1 spent locally. This reward point can be converted to air miles with 50 airline partners.

All you have to do is check your credit card statement on how many AmBonus Reward Points you have accumulated so far and keep spending to reach your target.

AmBonus Reward Points

Take advantage of the cheaper prices when you're shopping overseas and charge all the retail items you want to AmBank Visa Infinite because 5x AmBonus Reward Points will be rewarded per RM1 spent.

For every Ringgit spent on retail locally, you will earn 1x AmBonus Reward Point. 

Collect as many reward points as you can to redeem a wide array of products, services and even air miles from the AmBonus E-Catalogue, or through AmBank On-the-Spot Redemption.

These AmBonus Reward Points will have a 3-year expiry and are not transferable nor exchangeable with cash.

Dining, hotel and concierge privileges

As long as you spend a minimum of RM30,000 over one (1) year from the date of the Club Marriott Malaysia Annual Membership enrollment, you are entitled to extended privileges such as fancy dining discounts of up to 50% and dining discounts and up to 20% off cancellation rate. Terms and conditions apply.

Plus, a 1-for-1 dining deal at participating restaurants at Shangri-La Hotels is also yours to indulge in. Click here to find out more.

To top it off, Visa Concierge Services 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 fee

Principal cardholders don't have to pay an annual fee on this premium credit card, with no conditions and no hidden motives.

What's more, your first three (3) supplementary cards can also enjoy this annual fee waiver benefit as you - sharing is caring! Meanwhile, 4th supplementary card onwards will be charged with an annual fee of RM188.

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