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AmBank · Visa Infinite · Miles

AmBank Enrich Visa Infinite

Earns
0.5 miles per RM Overseas
Lounge
3 at KLIA lounges Malaysia Airlines Golden Lounge
Min income
RM100,000 a year
Annual fee
RM500 Waived at RM100,000 spend a year
See it on AmBank's site

Good for

  • Spend abroad and on Malaysia Airlines. 1 Enrich point per RM2.
  • Unlimited Malaysia Airlines Golden Lounge visits at KLIA, plus one guest.
  • Travel cover up to RM2 million when you pay the full fare with the card.

Watch out

  • RM500 annual fee from the second year. Fully waived only if you spend RM100,000 a year.
  • Local spend earns only 1 Enrich point per RM6. Petrol and e-wallet reloads earn nothing.
  • The Golden Lounge visits work only at KLIA, on flights run by Malaysia Airlines.

What it earns

Miles go straight into your Enrich account. There is nothing to transfer.

SpendingEarnsDetails
Spending in a foreign currency0.5 miles per RM
Airlines (direct) in ringgit0.5 miles per RM
Spending in ringgit0.17 miles per RM
Education, Insurance, Utilities and more in ringgit0.08 miles per RM Up to 8,000 miles a month.
Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and moreNothing Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Using your miles

Where they go
Enrich miles Credited straight to your account.

Travel

Airport lounges
Unlimited visits Malaysia Airlines Golden Lounge, 3 at KLIA lounges. Main cardholder plus one guest on the same flight. Only on flights fully run by Malaysia Airlines. Not for supplementary cards.
Overseas spending fee
1% 1% AmBank markup on the Visa exchange rate.

Insurance

Automatic. The cover starts once you pay the full fare with this card, and only for trips abroad, not within Malaysia.

Travel accident
Up to RM2 million For accidental death, or loss of sight or a limb, on the trip. Your spouse and children are covered too; each child gets 25%.
Lost luggage
Up to RM6,000 RM12,000 for the family. RM100 excess (RM150 for the family). Missed connection or overbooked flight up to RM3,000; a flight delayed 4 hours or more up to RM1,000.
Shopping and fraud cover
Not listed AmBank does not list this cover for this card.
Insurer
Liberty General Insurance Claims go to Liberty, not AmBank.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
RM500 Free the first year. Waived if you spend RM100,000 in a year.
Extra (supplementary) cards
Free for life
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year Depends on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any instalments, service tax and overdue amounts.
Late payment
1% of the balance, RM10 to RM100 Charged on the unpaid balance when you pay late.
Cash withdrawal
1.3% fee Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card
RM12

Who can apply

Income
RM100,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • MyKad, front and back
  • Employees: latest payslip (1 month on a fixed salary, 3 months with variable pay) and the bank statements that show the salary
  • Self-employed: 6 months of personal or business bank statements, business registration (Form A and D), and the latest B or BE form with its tax receipt
A recent EPF statement or EA form can stand in for some payslips. Foreigners need a valid passport and a work pass or PR.

Other perks

Pay by phone
Apple Pay, Google Pay Add it to Apple Pay in the AmOnline app, or to Google Pay in the Google Wallet app.
Card network
Visa Infinite

Where this comes from