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    AmBank Travel Credit Cards

    AmBank provides a number of credit cards out of which 5 cards provide travel benefits. The travel benefits include air miles redemption, travel insurance, lounge access, and concierge services. Each card has its own set of eligibility requirements and privileges. Read more to know about the cards and their benefits.

    Types of AmBank Credit Cards Offering Cashback

    AmBank World Mastercard Credit Card

    Airline Partner AmBonus Points Miles Redeemable
    Asia Miles 7,000 1,000 Asia Miles
    Air Asia 6,000 1,000 BIG Points
    Singapore Airlines KrisFlyer 7,000 1,000 KrisFlyer Miles
    Enrich 7,000 1,000 Enrich Miles

    Features and Benefits

    • Enjoy unlimited complimentary Plaza Premium Lounge access at selected airports worldwide.
    • Travel with a complimentary travel insurance cover of up to RM2 million.
    • Get 50% discount on green fees at participating premier golf clubs.
    • Feel safe with the 24-hour protection on wallet theft worldwide.
    • Get assistance on travel, hospitals, business, and entertainment with the 24-hour Mastercard Customer Service and Concierge Service.
    • Accumulate 5x AmBonus Points on overseas spend.

    How does AmBank Travel Benefits Work

    Consider that you have spent RM2,000 on overseas purchases in a month. According to the card’s rewards policy, the number of AmBonus Points you receive will be equivalent to 5x the money spent overseas i.e. 10,000 AmBonus Points. With 7,000 AmBonus Points, you can redeem 1,000 Asia Miles, 1,000 KrisFlyer Miles, or 1,000 Enrich Miles. Or you can also redeem 1,000 BIG Points with 6,500 AmBonus Points.

    The remaining AmBonus Points can be redeemed once you collect more points.

    Total Overseas Spend/Month AmBonus Points Earned (5x Overseas Spend) AmBonus Points Required to Redeem Air Miles Redeemable with 10,000 AmBonus Points AmBonus Points Remaining
    RM2,000 10,000 7,000 1,000 Asia Miles/KrisFlyer Miles/Enrich Miles 3,000
    6,500 1,000 BIG Points 3,500

    AmBank Visa Infinite Credit Card

    Airline Partner AmBonus Points Miles Redeemable
    Asia Miles 7,000 1,000 Asia Miles
    Air Asia 6,000 1,000 BIG Points
    Singapore Airlines KrisFlyer 7,000 1,000 KrisFlyer Miles
    Enrich 7,000 1,000 Enrich Miles

    Features and Benefits

    • Get unlimited Plaza Premium Lounge access for free at major airports across the globe.
    • Stay protected with the complimentary travel insurance cover of up to RM2 million.
    • Enjoy complimentary green fees and exclusive courses at select premier golf clubs.
    • Get assistance on your queries with the 24-hour Visa Customer Service and Concierge Service.
    • Earn 5x AmBonus Points on overseas spend.

    How does AmBank Travel Benefits Work

    If you spend RM2,700 on purchases overseas, you are eligible to earn reward points equivalent to 5x the amount spent overseas. So, you can accumulate 13,500 AmBonus Points. Now, you can spend 7,000 AmBonus Points to redeem 1,000 Asia Miles, 1,000 KrisFlyer Miles, or 1,000 Enrich Miles. In addition, you can also redeem 1,000 BIG Points with 6,500 AmBonus Points.

    So, on a total, you will have 1,000 Air Miles each from 2 different airline partners.

    Total Overseas Spend/Month AmBonus Points Earned (5x Overseas Spend) AmBonus Points Required to Redeem Air Miles Redeemable with 10,000 AmBonus Points AmBonus Points Remaining
    RM2,700 13,500 7,000 + 6,500 1,000 Asia Miles/KrisFlyer Miles/Enrich Miles + 1,000 BIG Points 500
    6,500 x 2 2,000 BIG Points 500

    AmBank Visa Signature Credit Card

    Airline Partner AmBonus Points Miles Redeemable
    Asia Miles 7,500 1,000 Asia Miles
    Air Asia 6,500 1,000 BIG Points
    Singapore Airlines KrisFlyer 7,500 1,000 KrisFlyer Miles
    Enrich 7,500 1,000 Enrich Miles

    Features and Benefits

    • Enjoy 5 complimentary lounge access to Plaza Premium Lounge at select airports across the world.
    • Get the privilege of complimentary travel insurance with a cover of up to RM1 million.
    • Plan your travel better with the assistance offered by the 24-hour Visa Customer Service and Concierge Service.
    • Get discount on green fees at exclusive golf courses.
    • Earn 3x AmBonus Points on overseas purchases.

    How does AmBank Travel Benefits Work

    Consider that you have spent RM3,000 overseas. You are eligible for 9,000 AmBonus Points as the card gives you reward points 3x the money spent overseas. Now, you can redeem 1,000 Asia Miles, 1,000 KrisFlyer Miles, or 1,000 Enrich Miles with 7,500 AmBonus Points. Instead, you can redeem 1,000 BIG Points with 6,500 AmBonus Points.

    Total Overseas Spend/Month AmBonus Points Earned (3x Overseas Spend) AmBonus Points Required to Redeem Air Miles Redeemable with 10,000 AmBonus Points AmBonus Points Remaining
    RM3,000 9,000 7,500 1,000 Asia Miles/KrisFlyer Miles/Enrich Miles 1,500
    6,500 1,000 BIG Points 2,500

    AmBank Platinum Credit Card

    Airline Partner AmBonus Points Miles Redeemable
    Asia Miles 10,000 1,000 Asia Miles
    Air Asia 7,000 1,000 BIG Points
    Singapore Airlines KrisFlyer 10,000 1,000 KrisFlyer Miles
    Enrich 7,500 1,000 Enrich Miles

    Features and Benefits

    • Get 2 complimentary visits to Plaza Premium Lounge at more than 26 major airports in Malaysia and overseas.
    • Travel with a sense of safety with a complimentary travel insurance cover of up to RM1 million.
    • Enjoy private Wealth Management services with a low entry threshold.
    • Earn 1 AmBonus Point on every RM1 spent on local retail purchases.
    • Earn 2x AmBonus Points on the money spent overseas.

    How does AmBank Travel Benefits Work

    Consider a case where you have spent RM3,000 on retail spend and RM2,500 on overseas spend. That yields you 3,000 AmBonus Points on retail spend and 5,000 AmBonus Points on overseas spend. So, you get a total of 8,000 AmBonus Points.

    You can redeem 1,000 BIG Points with 7,000 AmBonus Points. You can also redeem 7,500 AmBonus Points for 1,000 Enrich Miles with the reward points you have collected.

     

    (Local Retail Spend + Overseas Spend) Per Month AmBonus Points Earned (1x Local Retail SPend + 3x Overseas Spend) AmBonus Points Required to Redeem Air Miles Redeemable with 10,000 AmBonus Points AmBonus Points Remaining
    RM3,000 + RM2,500 3,000 + 5,000 = 8,000 7,500 1,000 Enrich Miles 500
    7,000 1,000 BIG Points 1,000

    AmBank Gold Credit Card

    Airline Partner AmBonus Points Miles Redeemable
    Air Asia 10,000 1,000 BIG Points
    Enrich 10,000 1,000 Enrich Miles

    Features and Benefits

    • Get a travel insurance cover of up to RM500,000 when you book air tickets with your credit card.
    • Accumulate 1 AmBonus Point on every RM1 you spend.
    • Enjoy on-the-spot redemption with as low as 1,500 AmBonus Points.
    • Track your monthly expenses with the e-Statements.
    • Subscribe for Excess Limit Service if your expenses are going beyond the set credit limit.

    How does AmBank Travel Benefits Work

    If you have spent RM10,000 in a month, then you will receive 10,000 AmBonus Points. So, you can redeem 1,000 BIG Points or 1,000 Enrich Miles with 10,000 AmBonus Points.

    Total Spend/Month AmBonus Points Earned (1x Total Spend) AmBonus Points Required to Redeem Air Miles Redeemable with 10,000 AmBonus Points AmBonus Points Remaining
    RM10,000 10,000 10,000 1,000 BIG Points/Enrich Miles 0

    Fees and Charges

    Fees and Charges/Card AmBank World Mastercard Credit Card AmBank Visa Infinite Credit Card AmBank Visa Signature Credit Card AmBank Platinum Credit Card AmBank Gold Credit Card
    Annual Fee (Principal Card) Free for life Free for life Free for life Free for life Free for life
    Annual Fee (Supplementary Card) First 3 cards are free for life First 3 cards are free for life First 3 cards are free for life First 3 cards are free for life First 3 cards are free for life
    Finance Charges 15% p.a.-18% p.a. based on the repayment pattern of the last 12 months.
    Minimum Monthly Payment 5% of the balance or a minimum of RM50, whichever is higher.
    Late Payment Penalty 1% of the outstanding balance or RM10, whichever is higher.
    Cash Advance Fee 5% of the advance amount or a minimum of RM50, whichever is higher.
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis.

    Eligibility Criteria

    Factors Eligibility
    Age Criterion (Principal Card) 21 years.
    Age Criterion (Supplementary Card) 18 years.
    Minimum Annual Income Requirement AmBank World Mastercard: RM120,000.
    AmBank Visa Infinite: RM120,000.
    AmBank Visa Signature: RM80,000.
    AmBank Platinum: RM48,000.
    AmBank Gold: RM24,000.

    Documents Required

    Mode Documents
    Salaried Employees
    • A copy of MyKad.
    • Last 6 months’ salary slip.
    • Bank account statement on latest transactions.
    • EPF statement as a proof of recent contributions.
    Self-employed Individuals
    • A copy of MyKad.
    • Last 6 months’ bank statement.
    • A copy of business registration certificate.
    • Latest Form B/BE with the tax payment receipt.
    Commission Earners
    • A copy of MyKad.
    • Last 6 months’ salary slip.
    • Latest Form B/BE with the tax payment receipt.

    Applying for AmBank Travel Credit Cards

    Mode Apply
    Online Mode 1
    • Visit the card’s page on the official website of the bank.
    • Enter your personal and financial details on the card’s application form.
    • Upload the required documents.
    • Click on the Submit button.
    Online Mode 2
    • Visit the card’s page on the bank’s website.
    • Express your interest for the card by filling up your contact details in the form provided at the bottom of the page.
    • The bank representatives will give you a call to let you know more about the application process.
    Offline Mode 1
    • Download the application form from the bank’s website.
    • Fill up the application form with relevant information.
    • Attach the supporting documents.
    • Send the form and the other required documents via fax to 03-2162 3067/03-2167 3344.
    Offline Mode 2
    • Visit the nearest branch office.
    • Fill up the card’s application form.
    • Attach the necessary documents.
    • Submit the application at the branch.

    The more you spend with a travel card, the more AmBonus Points you can earn. Travel free of cost when you redeem the points for air miles at one of the participating airlines. Based on the eligibility and the benefits offered by the card, you can decide on which card suits you the best.

    FAQs on AmBank Travel Credit Cards

    Q. Can I redeem air miles from airlines that are not mentioned here?

    A. Yes. The bank specifies that the air miles can be redeemed from around 50 airline partners. You can check with the bank for more details.

    Q. Can I use the AmBonus Points to redeem air miles even if the card is cancelled?

    A. No. You have to redeem the AmBonus Points when the card is valid and in good standing with the bank terms. Once the card is cancelled, the rewards accumulated on the card will cease to exist.

    Q. Do I get AmBonus Points when I spend on online purchases?

    A. No. AmBonus Points are awarded only when you spend on retail purchases.

    Q. Are there any exclusions on retail purchases to award AmBonus Points?

    A. Yes. You will not get reward points when you spend on petrol, charity, and government-related transactions.

    Q. Is there a validity period associated with the reward points?

    A. Yes. The AmBonus Points are valid only for 3 years. You have to redeem the points before they expire.

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