AmBank Visa Infinite

Enjoy infinity access to Plaza Premium Lounge, higher reward points, Air Miles conversion and RM2 million travel insurance in a premium Visa Infinite card

AmBank Visa Infinite5x AmBonus Points
Min. Income
RM10,000/month
Annual Fee
Free
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

Get 5x AmBonus Reward Points for each RM1 spend overseas respectively and 1x AmBonus Reward Points for all retail purchases made locally. Reward points can be used to redeem gifts for your spouse, kids, home living and even convert to Air Miles.

AmBonus Points
EarnSpend
5 points on every RM1on overseas retail transactions

Travel

Enjoy the comfort of privacy at Plaza Premium Lounge for an infinity. Also a complimentary travel insurance up to RM2 million and compensation up to RM12,000.

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

Convert AmBonus Reward Points for Air Miles with Enrich Miles, Asia Miles, Krisflyer Miles and AirAsia BIG Points. Sign up for Hilton Premium Club Membership Card to enjoy discounts on both hotel and dining of up to 50%.

Easy Payment Plans

AmBank Easy Payment Plan offers 24 months payment terms with 0% interest rate on retail purchases from a range of approved merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay for as low as 3%.

AmBank Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM200
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 feeRM2,000
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 feeRM2,000
18 months5% p.a. and no one-time upfront handling feeRM4,000
24 months6% p.a. and no one-time upfront handling feeRM5,000
Learn more about AmBank AmFlexi-Pay

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    Free for the first 3 supplementary cardholders.

    Waived when 4th supplementary card onwards is RM188 per annum

  • RM - supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM120,000
Minimum Age
  • 21 years old  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 24 months of instalment plan at 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.

Review

No Annual Fee

Principal cardholders don't have to pay for an annual fee on this premium credit card, no conditions and no hidden motives. What's more, your first three (3) supplementary cardholders can also enjoy this annual fee waiver benefit as you - sharing is caring!

Travel with Class

Make traveling more rewarding and satisfying with AmBank Visa Infinite as you are endowed with bunch of traveling privileges. 

First and foremost is an unlimited access per year to Plaza Premium Lounge worldwide, where you can indulge in the comfort of privacy for 3 hours, have full access to facilities such as WiFi, shower, food and beverages and entertainment.

Click here to view the list of available airport lounges

That's not all, you and your spouse, if any, will also be protected with up to RM2 million travel insurance, whereas your children will be covered up to RM200,000. All you need to do is to just charge the full air tickets fare to your AmBank Visa Infinite on your next trip.

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

AmBonus Reward Points

Shopping overseas is a safe haven for some, and it is understandable. Take advantage of the cheaper prices and swipe whatever retail items you have purchased with AmBank Visa Infinite as you can earn 5x AmBonus Reward Points.

For every Ringgit transacted 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 in the AmBonus E-Catalogue, from home and kitchen appliances to gadget, travel, kids, health, vouchers and even Air Miles!

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

Air Miles Conversion

Save on your next business or holiday trip by using Air Miles to offset the ticket price, be it Business Class, First Class or Economy. But how? Check your statement to see how much AmBonus Reward Points you have accumulated.

For every 5,000 AmBonus points, you can redeem an equivalent of 1,000 Air Miles with over 50 airline partners. The Air Miles conversion is valid with 3 world-class Frequent Flyer Program such as Enrich Miles, Asia Miles, Singapore Airlines KrisFlyer and AirAsia BIG Points.

Dining, Hotel and Concierge Privileges

As long as you spend a minimum of RM30,000 over one (1) year from the date of Hilton Premium Club Membership enrollment, you are entitled for the extended privileges such as fancy dining discount up to 50% and 10% off on hotel room rates for all participating Hilton Worldwide Hotels in Asia.

To top it off, Visa Concierge Services will be there for you round-the-clock anticipating for you and 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.

Purchase Protection Plan

Known the feeling of buying something new, only to have it damaged, lost or stolen shortly after? Your next purchase with your AmBank Visa Infinite might be eligible for insurance coverage up to RM50,000 as long as it happened within 30 days from the purchase date.