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AmBank · Visa Signature · Miles

AmBank Islamic Visa Signature-i

Earns
0.17 miles per RM Overseas
Lounge
6 visits a year Plaza Premium
Min income
RM80,000 a year
Annual fee
Free for life 1% overseas fee, lower than most
See it on AmBank's site

Good for

  • No annual fee for life, on main and supplementary cards.
  • In-person spend abroad earns 3 AmBonus points per RM1.
  • Travel takaful up to RM1 million when you pay the full fare with the card.

Watch out

  • Weak miles: 18,000 points for 1,000 Enrich miles, so local spend earns about 0.06 miles per RM1.
  • 6 Plaza Premium visits a year, main cardholder only, each after RM1,000 of spend the month before.
  • Petrol, e-wallet reloads and JomPAY earn nothing.

What it earns

AmBonus Points, per RM spent. Each row says what the points are worth.

SpendingEarnsDetails
Spending in shops in a foreign currency3 points per RM 0.17 miles per RM with Enrich, or 0.12 miles per RM with KrisFlyer or Asia Miles.
Everything else1 point per RM 0.06 miles per RM with Enrich, or 0.04 miles per RM with KrisFlyer or Asia Miles.
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.

Points and transfers

Enrich
18,000 points for 1,000 miles Moved in blocks of 18,000 points.
KrisFlyer
25,000 points for 1,000 miles Moved in blocks of 25,000 points.
Asia Miles
25,000 points for 1,000 miles Moved in blocks of 25,000 points.

Travel

Airport lounges
6 free visits a year Plaza Premium. Main cardholder only. Each visit needs RM1,000 of spend on the card in the calendar month before.
Overseas spending fee
1% 1% AmBank Islamic markup on the network's exchange rate.

Insurance

Automatic travel takaful. The cover starts once you pay the full fare with this card, for trips abroad.

Travel accident
Up to RM1 million For accidental death or permanent disablement on the trip. Your spouse and children are covered too; each child gets 25%.
Travel inconvenience
Not listed AmBank does not list this cover for this card.
Shopping and fraud cover
Not listed AmBank does not list this cover for this card.
Insurer
Zurich General Takaful Malaysia Claims go to Zurich General Takaful, not AmBank Islamic.

Fees and charges

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

Annual fee
Free for life No spending needed to keep it free.
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 A profit rate, not interest. 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, up to RM100 Charged on the unpaid balance when you pay late.
Cash withdrawal
RM16 fee A fixed RM16 for each withdrawal, plus 8% service tax on the fee, and an 18% a year profit rate from the day you take it out.
Replacement card
RM12

Who can apply

Income
RM80,000 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 Signature

Where this comes from