AmBank Visa Infinite

Enjoy 5x access to Plaza Premium Lounge, 5x reward points, faster air miles conversion and RM2 million travel insurance 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 a FREE
Lazada E-Voucher
worth RM50
when you apply through RinggitPlus
Terms and conditions apply

Lazada E-Voucher

Our Previous Winners


Get 5x AmBonus Points for every RM1 swipe on retail transaction 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 Points
5 points on every RM1on overseas retail purchases (except online transactions)
1 point on every RM1on all local retail expenses


5x complimentary access to Plaza Premium Lounge per year, Visa Concierge Service for any inquiries and emergencies, and automatic travel insurance coverage of up to RM2 million are yours.

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


Exclusive dining and hotel privileges at the Hilton Hotel, plus a 1-for-1 dining deals at the Shangri-La Hotel Kuala Lumpur and Tanjung Aru Resort & Spa Kota Kinabalu for your indulgence!

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 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  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 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.


Free Airport Lounge Access

Your traveling gets more rewarding and satisfying with AmBank Visa Infinite as you get 5x complimentary access to Plaza Premium Lounge worldwide every year.

You can relax in the comfort of privacy for 3 hours and have full access to facilities such as WiFi, shower, food and beverages and entertainment.

To enjoy the privilege, you need to spend minimum RM500 within 30 days before or after each lounge access.

Click here to view the list of available airport lounges

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.

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 airlines partners.

All you have to do is to check your credit card statement on how much 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.

This AmBonus Reward Points will have a 3-year expiry and is 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 Hilton Hotel Membership enrollment, you are entitled to the extended privileges such as fancy dining discount up to 50% and dining discount and up to 20% off cancellation rate.

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.

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!