AmBank, one of Malaysia’s leading banks, has brought out a highly rewarding credit card known as AmBank Islamic Visa Infinite Card-i. This card brings luxury to your doorstep through infinite travel privileges, travel takaful, flexible payment methods, bonus rewards and dining discounts. Owning an AmBank Islamic Visa Infinite Card-i means you would own comfort and get to define it.
Features of AmBank Islamic Visa Infinite Card-i
The key features of AmBank Islamic’s Visa Infinite Card are as given below:
Bonus rewards: You get 5 AmBonus Points per RM1 spent on overseas transactions and online purchases. You can redeem these points on miles or for discounts on purchasing products and services from the rewards catalogue. You can also exchange the points at selected merchants such as Cosway, ESH, Courts, SenQ and Sen Heng.
Frequent Flyer Miles programmes: The Visa Infinite Card-i offers three frequent flyer programmes – Singapore Airlines KrisFlyer, Asia Miles and Enrich – giving you access to over 50 airline carriers for your free or discounted flights.
Instalment payment plans: You can make your payments through Easy Payment Plan (EPP) or AmFlexi-Pay. The EPP allows you to pay with 0% fees for up to 2 years on minimum transactions of RM500. This plan is available only at chosen outlets. With AmFlexi-Pay, you can convert any retail purchase into monthly repayments at low management fee. You need to make purchases worth RM500 or more for a 6-month plan, of RM2,000 or more for a 1-year plan, of RM4,000 or more for an 18-month plan and of RM5,000 or more for a 24-month plan.
No fee on credit limit excess: If you go beyond your credit limit in times of emergency, you will not be charged any excess fee. You need to subscribe to this programme by sending an SMS to 36266.
Annual fee waiver: The primary card and up to 3 supplementary cards come with a permanent annual fee waiver. From the fourth supplementary card you need to pay an annual fee of RM188 per new supplementary card.
Balance transfer plan: AmBank Islamic allows you to transfer the balance from another credit card to Visa Infinite Card-I at reasonable rates. A 6-month balance transfer with at least RM1,000 will cost you just 4.99% p.a. and a 12-month or 24-month balance transfer with at least RM5,000 will cost you 8.99%.
Benefits of AmBank Islamic Visa Infinite Card-i
There are several benefits of owning the AmBank Islamic Visa Infinite Card-i. Some of the important ones are:
Airport lounge privileges: This card gives you unlimited entry into Plaza Premium Lounges at more than 26 key airports in the world. In addition, you can take a guest into any participating lounge in Malaysia at a 25% discount and to any lounge in the world at a rebate of 20%.
Travel takaful: Your AmBank Islamic Visa Infinite CardI gives you and your family a travel takaful cover of up to RM2 million if you buy the flight tickets with this card.
Hilton Premium Club Membership: This card gives you the following perks at Hilton hotels if you spend more than RM30,000 in a year:
A maximum of 50% off on food bills at selected Hilton Worldwide Hotels in Malaysia
10% rebate on walk-in rates at selected Hilton Worldwide Hotels in Malaysia
Concierge services: You will have access to 24x7 Visa Customer and Concierge Services. The concierge will help you with travel details, accommodation, emergency medical needs, doctor and hospital referrals, entertainment tickets, etc.
Auto bill payment: You can convert your insurance and utility payments to automatic bill payment by linking your bill accounts to the card. This will ensure that you never miss a deadline with a bill.
To get an AmBank Islamic Visa Infinite Card-I, you need to meet the following eligibility criteria:
You should be at least 21 years old to get a primary card and 18 years old to get a supplementary card.
Your minimum annual income should be RM120,000.
Fees and Charges
The fees and charges applicable to AmBank Islamic Visa Infinite Card-i are listed in the table below:
Fixed Management Fee
RM15,000 per month
Management Fee Tiered Rates
1.25% per month or 15% p.a. if you have paid your bills on time for 12 months in a row
1.42% per month or 17% p.a. if you have paid your bills for at least 10 out of 12 months
1.5% per month or 18% p.a. if your bills are not paid regularly
Minimum Monthly Payment
RM50 or 5% of the bill, whichever is greater
Late Payment Fee
RM10 or 1% of the bill, whichever is greater. Maximum charge is RM100
Cash Advance Fee
RM50 plus GST
Cash Advance Management Fee
1.5% per month or 18% p.a.
Card Replacement Fee
RM25 per card
Monthly Statement Fee (hardcopy)
RM12 plus GST
AmBank Islamic Visa Infinite Card-i is the card to have if you want to enjoy the best things in life. Go ahead and check out this card and see if it the one for you.