AmBank Visa Signature

Save on hotel rooms, dining and golf courses with big discounts, airport lounge with 6x free access and travel insurance with up to RM1 million coverage.

AmBank Visa Signature3X reward points for overseas spending
Min. Income
RM6,666.67/month
Annual Fee
Free
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

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

AmBonus Reward 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 Lounge in a year locally and overseas (subject to minimum spending criteria), 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

This credit card is available for Apple Pay! Enjoy up to 50% off on dining and accommodation at Club Marriott in Malaysia and the Asia Pacific via the Annual Membership. Get a complimentary TableApp Elite Membership for 1 year and get a free dish every time you dine out. Catch AmBank's Amazing30 deals (RM30 off, RM30 cashback or 30% off) every day with selected merchants. Enjoy 50% off on green fees with one paying guest at six selected golf clubs in Malaysia. Terms are applied for all.

Easy Payment Plans

AmBank Easy Payment Plan offers up to 36 months of payment terms with a 0% interest rate on retail purchases from a range of participating merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay Plan offers buy-now-pay-later instalments as low as a 3% interest.

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
6 months3% p.a.and no one-time upfront handling feeRM500
12 months4% p.a.and no one-time upfront handling feeRM500
18 months5% p.a.and no one-time upfront handling feeRM500
24 months6% 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

    Free for the first 3 supplementary cards, 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
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 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!

These AmBonus Reward Points will have a 3-year expiry and are not transferable nor exchangeable with cash.

No annual fee

Enjoy the convenience of not having to pay for a hefty annual fee, that usually comes with any premium credit card, 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 but from the 4th supplementary cardholder onwards, an annual fee of RM188 is applicable.

Travel with peace of mind

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

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

For 6x per year, you can indulge in the comfort of privacy for three (3) hours, and enjoy complimentary access to facilities such as WiFi, shower, food and beverages and entertainment while waiting for your boarding call.

However, in order to enjoy these free passes, you need to spend a minimum of RM1,000 within 30 days before or after the lounge access, according to the T&C here.

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 RM200,000. All you need to do is just charge the full plane ticket 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). 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 to offset the ticket price, be it 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 such as Enrich Miles, Asia Miles, Singapore Airlines KrisFlyer and AirAsia BIG.

Dining, accommodation and other privileges

Enjoy exclusive annual membership with Club Marriott in Malaysia and get discounts on dining and accommodation such as the following. For more details, you can check them out here.

Dining E-Vouchers
- 3x 50% off Group Dining Vouchers for 4 to 12 people for lunch or dinner
- 1x Complimentary Buffet Lunch or Dinner for 2 people

- 1x Complimentary Birthday Celebration Cake

Dining discounts
- 35% off the total F&B bill for up to 20 people
- 30% off total F&B bill for up to 20 people at other restaurants
Asia Pacific
- Up to 20% off the total F&B bill for up to 10 people
Accommodation For all 15 participating hotels & resorts in Malaysia
- 20% off the Best Available Rate on all rooms
Asia Pacific
- Up to 20% off Best Available Marriott Rate at all participating hotels

To top it off, Visa Concierge Services will be there for you round-the-clock anticipating 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.

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