AmBank Visa Signature credit card

AmBank Visa Signature

Complimentary Golf green fees, discount dining and concierge services. Exclusive premium travel card offers Enrich, Asia Miles and KrisFlyer Airmiles.

  • 15% p.a. interest rate
  • 4.99% p.a. balance transfer over 6 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
For every RM1 you spend, you will receive 3 AmBonus Point when spending overseas. AmBonus points can be used in exchange for gifts and free flights redemption from over 50 partner airlines - does that include MAS and SIA? You betcha!
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
AmBank AmTransfer offers interest rates from 4.99% and payment terms up to 24 months. Say goodbye to your oustanding credit card balance with a low interest Ambank credit card.
Pay OverWith Interest Rate AtWhen You Transfer
6 months4.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months8.99% p.a. and no one-time upfront handling feefrom RM5000 
24 months8.99% p.a. and no one-time upfront handling feefrom RM5000 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
AmBank EPP offers zero interest for up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay instalment interest as low as 3% on all the other purchases.
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 RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about AmBank Easy Payment Plan
Travel
Worldwide Airport Lounge privileges, Airmiles, 15% off on Immigration FastTrack, Concierge Service, Emergency Helpdesk, and Free Travel Insurance for up to RM1 million.
Travel CoverageSum Insured
Personal AccidentUp to RM1000000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1600
Delayed LuggageUp to RM800
Premium
On top of Golf, Dining and Premium Travel benefits, AmBank will provide protection covering your purchases up to RM50,000 in the event of theft and accidental damage.

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%
Daily Maximum Cash Withdrawal
RM5000

*inclusive of 6% GST

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
Anybody

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?

You’ve worked hard, achieved a certain level of success in your career so far, and you’re finally able to realize your dreams of travelling around the world, one country at a time. AmBank welcomes you into a world of uncommon travel privileges with the AmBank Visa Signature.

Get Rewarded with Free Flights

Gone are the days when you had to keep spending for 2 years only to be able to redeem a pasar malam watch, the AmBank Visa Signature is tailored to your lifestyle as a frequent traveler. For every Ringgit you spend on overseas purchases, you will receive 3 AmBonus points. The reward points can be used to redeem air miles from Enrich, Asia Miles, Singapore Airlines KrisFlyer and AirAsia BIG. Every 5500 AmBonus points exchange is equivalent to 1000 Air Miles.

Plaza Premium Lounge   

While there’s nothing wrong with cuti-cuti Malaysia, why settle when you can experience what other countries have to offer? With an exclusive 15% discount of Immigration Fast-Track Service at 390 International Airports, you get to be treated like a VIP with your own personal agent who will help you through immigration and customs without having to join the queue.

Tired with the same old airport lounges in Malaysia? As an AmBank Visa Signature cardholder, you get to kick back, take a shower, enjoy a warm meal and a hot cup of coffee while waiting for your flight in Plaza Premium Lounge at 23 international airports. As long as you have a minimum of 3 overseas spending charged to your credit card within 30 days before or after your lounge visit, your lounge access is free.

Dining & hotel privileges

You will receive a complimentary Hilton Premium Club Membership Card together with your new AmBank Visa Signature. Of course, you have to fill up the membership form for enrolment.

As a member, you can enjoy up to 50% discount on dining at all participating Hilton Hotels in Malaysia, Thailand and China and up to 20% for hotels in Middle East. Meanwhile, you can get 10% off on room rates at selected Hilton Hotels in Asia and 20% off in the Middle East.

The privilege is extended when you spend minimum RM30000 over 1 year from the membership enrolment.

Travel with Peace of Mind

Charge your full air ticket fare to your AmBank Visa Signature and travel with no worries, knowing that you and your family members are protected with RM1 million travel insurance coverage.

Bought that shiny new luxury watch or gadget? The Purchase Protection Plan of up to RM50,000 covers your purchases from theft or accidental damage within 30 days from the date of purchase.

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