AmBank Visa Signature

Save on hotel room, dining and golf courses with big discounts, airport lounge with 5x free access and travel Takaful purchase with RM1 million coverage.

AmBank Visa SignatureAir Miles Conversion
Min. Income
RM6,666.67/month
Annual Fee
Free
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.

Rewards

Spend RM1 overseas on retail purchases (except Online transactions), get 3x AmBonus Points. Convert reward points to gifts or air miles with your favourite frequent flyer programs.

AmBonus Points
EarnSpend
3 points on every RM1on all overseas retail expenses (except for online transactions)
1 point on every RM1on all local retail expenses

Travel

Enjoy 5x free Plaza Premium Lounge access in a year, Visa Concierge Service for assistance while travelling abroad, complimentary RM1 million travel Takaful coverage and 10% cashback at selected duty-free outlets.

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM800

Premium

Enjoy 30% off green fees at participating golf clubs in APAC. Plus, up to 50% off on dining and hotel rooms at Hilton Hotels across 16 countries in Asia Pacific.

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

  • 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM80,000
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

Collect AmBonus Reward Points with AmBank Visa Signature

Shopping overseas is a safe haven for some, and it is understandable for AmBank Visa Signature cardholders.

Take advantage of the cheaper prices and swipe whatever retail items you have purchased with your AmBank credit card 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 gadgets, 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.

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.

Click here to view the list of available airport lounges

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.

To enjoy this, you need to spend a minimum of RM500 within 30 days before or after the lounge access.

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).

AmBank Visa Signature Air Miles Conversion

Pay for your next airfare with Air Miles instead of cash, a great way to budget 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 Other 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 to the extended privileges such as fancy dining discount up to 50% and 20% 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.

For avid travellers, you can enjoy 10% cashback when you shop at selected duty-free outlets across ASEAN countries

AmBank x Shopee Sunday Sale

Not every AmBank credit cardholder gets to enjoy this privilege! 

With this AmBank credit card, you can get RM30 off whenever you shop at Shopee every Sunday (min. purchase RM200).

Please be noted that the purchase must be made via https://bit.ly/ambsunday and key in the promo code AMB30.

The Shopee Sunday Sale is valid until 21 March 2021.

AmBank Visa Signature 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 Visa Signature might be eligible for Takaful coverage up to RM50,000 as long as it happened within 30 days from the purchase date.