How to Apply to AmBank/AmBank Islamic Visa Signature Credit Card

The AmBank/AmBank Islamic Visa Signature Card offers a suite of travel, dining, golf and lifestyle privileges tailored for discerning consumers and frequent jetsetters.

Enjoy complimentary airport lounge access, travel insurance, hotel discounts and more with no annual fees.

Benefits

The AmBank/AmBank Islamic Visa Signature Card offers cardholders a suite of travel, lifestyle, dining, shopping and golf privileges:

• Complimentary Airport Lounge Access: gain complimentary access to over 50 Plaza Premium airport lounges across Malaysia (KLIA, KLIA2, Penang, Kota Kinabalu), major cities in Asia Pacific (Singapore, Bangkok, Jakarta, Manila, Shanghai, Beijing) as well as key international destinations including London, Dubai, Paris, Sydney and Toronto. The lounges provide a sanctuary to relax with comfortable seats, WiFi, flight information, food and drinks before flying. This benefit allows cardholders to start their trips in style and enjoy the airport experience.
• Dining and Hotel Discounts: through an exclusive Club Marriott Malaysia membership, cardholders can enjoy savings on dining and hotels within Malaysia and Asia Pacific via member rates and discounts. Privileges include 1 complimentary buffet lunch/dinner for 2, 50% off dining vouchers for groups of 4-12 pax valid at 19 properties in Malaysia and up to 20% savings on dining across Asia Pacific. Cardholders also enjoy up to 20% off hotel room rates in Malaysia and Asia Pacific at over 100 participating Marriott properties, making business travel and getaways more affordable.
• Golf Privileges: golf enthusiasts will appreciate complimentary 1 round of golf with 1 paying guest at over 100 golf courses in Malaysia and Asia Pacific. Simply present your card to enjoy access to premium golf courses and savings on green fees. Popular golf courses include Glenmarie Golf & Country Club, Kota Permai Golf & Country Club and Clearwater Sanctuary Golf Resort.
• Complimentary Travel Insurance: when cardholders charge their full flight tickets to their card, they can benefit from complimentary travel insurance coverage up to RM1 million. This covers losses from flight delays, lost baggage, overseas medical expenses, loss of travel documents and more. This perk provides protection and peace of mind when travelling abroad.
• 3X AmBonus Points: cardholders can earn 3X AmBonus Points for every RM1 spent overseas, excluding online transactions. The points can then be redeemed for rewards in the AmBonus catalogue or converted to frequent flyer miles on 50+ airlines. This helps cardholders maximize rewards on foreign trips and vacations.
• Easy Payment Plan: cardholders can convert their retail spending into 0% interest monthly instalments up to 36 months under the Easy Payment Plan. Applicable for over 500 participating merchants and on purchases above RM500, this scheme makes financing big-ticket items more affordable and convenient.
• Concierge Services: cardholders can access Visa concierge services 24/7 for assistance on travel, entertainment, dining, business services and more. The dedicated team can provide information and recommendations plus help arrange bookings for a smoother lifestyle experience.

Prerequisites

To qualify for the AmBank/AmBank Islamic Visa Signature Card, applicants should meet the following requirements:

• Minimum Age of 21: the principal or main cardholder must be at least 21 years old. This ensures the person has the income ability and maturity to manage the premium card properly.
• Minimum Annual Income of RM80,000: applicants should have a minimum personal income of RM80,000 per year. This high-income requirement reflects the positioning of the card and the financial ability to enjoy its privileges.
• Good Credit History: while not a fixed requirement, applicants with a strong credit track record with timely repayments will have higher chances for approval. New-to-credit customers may be considered if other criteria are met.
• Malaysian Citizens or Permanent Residents: the card is generally available for Malaysians and PRs with a local residential address and documents. Foreigners may apply with proper work permits and documents.

Meeting these standard qualifications will ensure a smooth application process for the card. The final decision still lies at the bank’s discretion based on internal scorecard assessments and eligibility.

About AmBank

AmBank Group is one of Malaysia’s premier financial solutions groups with over 40 years of experience in supporting economic development. As one of the country’s top 3 banks, AmBank provides solutions in wholesale banking, retail banking, investment banking and insurance.

With a focus on integrating technology, AmBank was the first Malaysian bank to launch a digital bank known as AmBank XTRA. It continues to adopt innovations such as biometrics and artificial intelligence to enhance customer experience.

As part of the Australia and New Zealand Banking Group (ANZ) consortium, AmBank draws on global expertise and insights to develop products tailored for Malaysians. It is committed to empowering the financial success of both individuals and companies.

Who is this card for?

The AmBank/AmBank Islamic Visa Signature Card is ideal for:

• High income professionals and business owners with minimum RM80,000 annual income.
• Frequent travelers who desire airport lounge access and travel insurance.
• Frequent diners who enjoy fine dining discounts and buffet privileges.
• Golfers who want complimentary golf rounds and access to golf courses.
• Lifestyle seekers who appreciate premium concierge services.
• Tech-savvy consumers who prefer digital banking solutions.

Step by step to apply for the card

Applying for the AmBank/AmBank Islamic Visa Signature Card is easy:

1. Go to the AmBank website to view card details
2. You will be able to see a form to apply at the bottom of the page.
3. Complete the online application form with your personal details.
4. Upload documents like ID, payslips, etc. to support your application.
5. Check status of your application via the AmBank website or mobile app.
6. Download the AmBank mobile apps for iOS and Android to manage your card on-the-go.

Positives and negatives of the card

Pros:

• No annual fees for principal and first 3 supplementary cards
• Access to Plaza Premium airport lounges across Malaysia and globally
• Discounts on dining, hotels, golf via Club Marriott and golf privileges
• 0% Easy Payment Plan for retail purchases
• Complimentary travel insurance and concierge service

Cons:

• Minimum RM80,000 annual income requirement
• Higher interest rates compared to lower tier AmBank cards
• Reward points and rebates less generous than cashback cards
• Requires annual spend to waive annual fees for 4th card onwards

How to unlock the card

Follow these steps to activate your new AmBank/AmBank Islamic Visa Signature Card:

1. Wait for your card to arrive via mail in a sealed envelope.
2. Open the envelope and remove your card. Locate the last 4 digits of your new card number.
3. Call the AmBank Contact Centre at +603-2178 8888.
4. Inform the agent you received a new credit card ending in [last 4 digits].
5. Provide personal information like NRIC, address and date of birth for verification.
6. Create a PIN of your choice for your card when prompted. Your card is now activated.
7. Sign at the back of the card immediately for security purposes.
8. Start using your card at retail outlets by entering your PIN. Overseas, sign on receipts for purchases.

Fees and Tariffs

Main costs associated with the card:

• No annual fee for principal & first 3 supplementary cards
• RM188 annual fee for 4th supplementary card onwards
• 18% p.a. interest rate for retail transactions (subject to change)
• 5% p.a. interest rate for cash advances (subject to change)
• Minimum RM50 or 2% fee for excess limit service
• Up to 2% fee for overseas and online transactions

Customer Service

Contact AmBank for any card assistance:

• AmBank Website
• Contact Number: +603-2178 8888
• Email: [email protected]
• Visit any AmBank branch nationwide
• AmBank App (iOS and Android)

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