AmBank Visa Signature credit card

AmBank Visa Signature

Stay protected with up to RM1 million in travel insurance, earn 3x AmBonus Points and enjoy dining and hotel discounts and perks - be treated like a royal

  • 15% p.a. interest rate
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 3x reward points 

Apply online now for AmBank Visa Signature

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Get 3x 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
EarnSpent
3 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses
Your AmBonus Points earned expires in  3 years
Balance Transfer
Outstanding debt is giving you headache? Consolidate all of your credit card debts into AmBank Visa Signature via AmTransfer for a one-time interest charge as low as 4.99% p.a. and a flexible repayment up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 4.99% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
24 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
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%.
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feefrom RM500 
12 months4% p.a. and no one-time upfront handling feefrom RM2000 
18 months5% p.a. and no one-time upfront handling feefrom RM4000 
24 months6% p.a. and no one-time upfront handling feefrom RM5000 
Learn more about AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM200 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about AmBank Easy Payment Plan
Travel
Enjoy the comfort of privacy at Plaza Premium Lounge for 5x a year. Also a complimentary travel insurance up to RM1 million and compensation up to RM4,000.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1600
Delayed LuggageUp to RM800
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%.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
  • Free for the first 3 supplementary cardholders
Annual Fee for Supplementary Card
RM0
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM53.00 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM80000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians and Permanent Residents

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
AmBank AmFlexi-Pay
AmBank Easy Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
AmBank QuickCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
AmBank AmTransfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AmBank Visa Signature review

What's so good (or not so good) about it?

No Annual Fee

Enjoy the convenient of not having to pay for a hefty annual fee, that usually comes with any premium credit cards, with no conditions and no hidden motives for a lifetime. What's more, your first three (3) supplementary cardholders can also enjoy this annual fee waiver benefit as you!

Travel with Peace of Mind

Whether you're a business traveler or globetrotter, frequent traveling has turned airport into your temporary house. With AmBank Visa Signature, you can personalized your airport frequenting experience with exclusive access to Plaza Premium Lounge.

For 5x per year, you can indulge in the comfort of privacy for 3 hours, enjoy complimentary access to facilities such as WiFi, shower, food and beverages and entertainment while waiting for your boarding call.

That's not all, you and your spouse, if any, will also be protected with up to RM1 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 Signature.

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 RM6,000 (inclusive of Spouse and Child).

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 Signature as you can earn 3x 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

Pay for your next airfare with Air Miles instead of cash, a great way to budgeting for other expenses overseas. But how to offset the ticket price, be it Business Class, First Class or Economy? 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

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

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