AmBank · Visa Infinite · Miles

AmBank SIGNATURE Priority Banking The Metal Visa Infinite By invitation

Earns: Up to 10 AmBonus Points per RM Spending in shops in a foreign currency
Lounge: 8 visits a year Plaza Premium
Applications: By invitation
Annual fee: Free for life 1% overseas fee, lower than most

Good for

In-person spend abroad. 10 AmBonus points per RM1, with no annual fee.
Plaza Premium visits: 8 a year from RM200,000 in assets, unlimited from RM500,000.
Travel cover up to RM2 million when you pay the full fare with the card.

For AmBank SIGNATURE Priority Banking customers only, by invitation.
Free LoungeKey visits need RM2 million in assets. Otherwise each visit costs RM180.
Local and online spend earns only 1 point per RM1. Petrol and e-wallet reloads earn nothing.

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

Spending	Earns	Details
Spending in shops in a foreign currency	10 points per RM	0.83 miles per RM with Enrich, or 0.67 miles per RM with KrisFlyer or Asia Miles.
Everything else	1 point per RM	0.08 miles per RM with Enrich, or 0.07 miles per RM with KrisFlyer or Asia Miles.
Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and more	Nothing	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.

Enrich: 12,000 points for 1,000 miles Moved in blocks of 12,000 points.
KrisFlyer: 15,000 points for 1,000 miles Moved in blocks of 15,000 points.
Asia Miles: 15,000 points for 1,000 miles Moved in blocks of 15,000 points.

Airport lounges: 8 free visits a year Plaza Premium. 8 a year with RM200,000 to RM499,999 in assets at AmBank, supplementary cards too. Unlimited from RM500,000. Below RM200,000: 6 a year, main cardholder only, each after RM1,000 of spend the month before. LoungeKey lounges are free only with RM2 million in assets; otherwise RM180 a visit.
Overseas spending fee: 1% 1% AmBank markup on the Visa exchange rate.

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.

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 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

Income: By invitation No income gate. You must be an AmBank SIGNATURE Priority Banking customer, which means keeping RM200,000 in deposits, investments or bancassurance with AmBank.
Who: AmBank SIGNATURE Priority Banking customers, by invitation
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.

Concierge: Visa Concierge 24/7 digital assistant for travel, dining and lifestyle requests.
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