AmBank Visa Signature Card

Complimentary round of golf with a paying guest, airport lounge access with 6 free entries, and travel insurance with up to RM1 million in coverage.

AmBank Visa Signature Card3X reward points for overseas spending
Min. Income
RM6,666.67/month
Annual Fee
Free
Balance Transfer
From 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM1888
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners

Rewards

Spend RM1 overseas on retail purchases (excluding online transactions) and earn 3x AmBonus Points. Convert reward points to gifts or air miles with your favourite frequent flyer programs. Enjoy over 500 card deals and privileges across categories such as shopping, dining, eCommerce, travel, and pampering. Find out more on AmBank Spot.

AmBonus Rewards Point
EarnSpend
3 points on every RM1on all overseas retail expenses, except online transactions
1 point on every RM1on all local retail expenses

Travel

Enjoy 6x free passes to participating Plaza Premium Lounges in a year locally and overseas with a minimum spend of RM1,000 within a calendar month before each visit, including Visa Concierge Service for assistance while travelling abroad, and complimentary RM1 million travel insurance coverage. All are subject to terms and conditions.

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

Pay seamlessly and securely with Apple Pay and Google Pay. Just add this AmBank Islamic credit card to your smartphone and enjoy speedy checkouts online and offline! Enjoy a complimentary round of golf with one paying guest at selected golf clubs. Terms apply to all.

Balance Transfer

Transfer your outstanding balances from other banks' credit cards to a new AmBank credit card, and enjoy low interest rates. The minimum transfer is RM1,000.

Pay OverWith Interest Rate AtWhen You Transfer
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
48 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
60 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about AmBank Balance Transfer

Easy Payment Plans

AmBank Easy Payment Plan offers up to 36 months of payment tenures at 0% interest on retail purchases from a range of approved merchants. For other purchases, AmBank AmFlexi-Pay offers low interest rates for up to 12 months.

AmBank Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
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 feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about AmBank Easy Payment Plan
AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months7.88% p.a.and no one-time upfront handling feeRM500
6 months7.88% p.a.and no one-time upfront handling feeRM500
12 months7.88% p.a.and no one-time upfront handling feeRM500
Learn more about AmBank AmFlexi-Pay

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • 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 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 36 months of an instalment plan at a 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 Payment Plan for a competitive upfront fees and flexible repayment periods.
Balance Transfer Plans
AmBank Balance Transfer
Get a flexible repayment up to 60 months with interest rate as low as 4.88% per annum with AmBank when you transfer a minimum amount of RM1,000.

Review

Collect AmBonus Reward Points with AmBank Visa Signature Card

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

Take advantage of the lower prices and swipe whatever retail items you purchase with your AmBank credit card, as you can earn 3x AmBonus Reward Points. For every Ringgit transacted 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!

These AmBonus Reward Points expire after 3 years and are not transferable or exchangeable for cash.

No Annual Fees

Enjoy the convenience of not having to pay a hefty annual fee, which usually comes with any premium credit card, with no conditions and no hidden motives for a lifetime. This applies to the supplementary cardholders too.

Travel With Peace Of Mind

Whether you're a business traveller or globetrotter, frequent travelling has turned the airport into your temporary home. 

With the AmBank Visa Signature Card, you can personalise your airport-frequenting experience with exclusive access to participating Plaza Premium Lounges in selected airports.

With 6x access per year, you can enjoy three (3) hours of private comfort and complimentary access to facilities such as WiFi, showers, food and beverages, and entertainment while you wait for your boarding call.

However, to enjoy these free passes, you must spend a minimum of RM1,000 within a calendar month before each lounge access, according to the terms and conditions.

That's not all, you and your spouse, if any, will also be protected with up to RM1 million in travel insurance, whereas your children will be covered up to RM250,000. All you need to do is charge the full plane ticket fare to your AmBank Visa Signature.

Security does not end there. You will also be indemnified for travel inconveniences such as lost/delayed luggage or missed/delayed flights for up to RM8,000 (inclusive of Spouse and Child). Terms apply.

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 do you offset the ticket price, whether it's Business Class, First Class, or Economy? Check your statement to see how many AmBonus Reward Points you have accumulated.

The air miles conversion is valid with four world-class Frequent Flyer Programs: Enrich, Asia Miles, Singapore Airlines KrisFlyer, and AirAsia BIG.

Visa Concierge And Golf Privileges

Enjoy 24-hour Visa Concierge Services, available round-the-clock to anticipate your lifestyle needs. 

Whether at home or overseas, you can call their toll-free numbers for assistance such as card replacement, cash disbursement, medical assistance, and travel assistance, among others.

Are you a golfer too? Enjoy a round of golf with one (1) paying guest by using your AmBank Visa Signature Card. You will receive this exclusive complimentary green fee when you book a tee time at five selected golf clubs in Malaysia.

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