How to Apply to AmBank Visa Infinite Business Credit Card

The AmBank Visa Infinite Business Card is a feature-packed credit card aimed at small and medium-sized enterprises (SMEs) in Malaysia. Offering strong rewards and benefits tailored to business spending, it provides an attractive option for companies looking to maximize value.
Benefits
The AmBank Visa Infinite Business Card offers a range of valuable perks:
- Earn up to 1% cashback on overseas transactions with no foreign transaction fees.
- Get 0.5% cashback on expenses like fuel, dining, hotels, and airfare.
- Enjoy 6 complimentary Plaza Premium Lounge visits annually at airports worldwide.
- Take advantage of 0% Easy Payment Plans up to 36 months on purchases over RM500.
- Access Club Marriott Malaysia privileges like discounted hotel rates and dining.
- No annual fee ever – card is free for life.
- Get RM2 million in travel insurance coverage for cardholders.
- Manage employee spending with customized credit limits.
- Make invoice and supplier payments to earn rewards.
With benefits tailored to business spending across categories like travel, dining, and supplies, the Infinite Business Card provides a strong value proposition.
Prerequisites
To be eligible for the AmBank Visa Infinite Business Card, applicants must:
- Be a registered business entity in Malaysia
- Provide required business financial documents
- Have a minimum of 1 year in business operations
- Provide identification documents for business owners/directors
- Meet minimum annual business revenue requirements
The card is designed for established SMEs looking for a premium corporate card solution. Meeting the prerequisites ensures companies can take full advantage of the features offered.
About AmBank
AmBank Group is one of the largest banking groups in Malaysia with over 200 branches nationwide. Founded in 1975, it offers a full range of conventional and Islamic banking solutions.
As an established leader in corporate and investment banking, AmBank has deep expertise in serving the needs of Malaysian businesses. It has over 40 years of experience providing financing, cash management, forex, and other services to enterprises across the country.
In addition to retail and SME banking, AmBank has operations across ASEAN and the Asia Pacific region. It has an extensive partnership with Australia & New Zealand Banking Group (ANZ) that connects it globally.
With a rich legacy in Malaysia and modern digital capabilities, AmBank is a trusted financial partner for businesses seeking a robust banking relationship. The Visa Infinite Business Card provides an innovative new offering building on AmBank’s strengths.
Who is this card for
The AmBank Visa Infinite Business Card is designed for established small and medium enterprises (SMEs) in Malaysia looking for a premium corporate card.
Ideal customers include:
- Companies with frequent overseas transactions or business travel. The 1% foreign transaction cashback and airport lounge access provide value.
- Businesses with regular spending in categories like dining, fuel, airfare, and hotels. 0.5% cashback earnings add up.
- Organizations that want to streamline and control employee spending. Customizable cardholder limits allow close oversight.
- Firms needing flexibility managing large or recurring purchases. 0% Easy Payment Plans up to 36 months are helpful.
- Enterprises that leverage promotions for corporate hospitality. Club Marriott Malaysia discounts give savings.
- Businesses wanting to earn rewards on supplier invoices and other payments. The card allows this.
With benefits targeted at Malaysian SMEs conducting business locally and abroad, the card provides relevant rewards.
Step by Step to Apply for the Card
Follow these steps to apply for the AmBank Visa Infinite Business Card:
- Gather required documents like business registration, financial statements, and identification.
- Go to the AmBank website card page.
- Fill in the online application details including information about your business.
- Submit supporting documents to AmBank for verification.
- Wait for AmBank to review the application and get back regarding approval status.
- Once approved, read and sign the cardholder agreement documentation.
- Activate the new AmBank Visa Infinite Business Card upon receipt in the mail.
- Download the AmBank mobile app and start managing it.
With easy online application and document submission, getting approved for the card is straightforward.
Positives and Negatives of the Card
Positives:
- Strong cashback earnings rates on foreign and local spending
- Complimentary airport lounge access for employees
- 0% installment plans help manage large expenses
- Marriott discounts provide savings on business travel
- No annual fee keeps costs down
Negatives:
- Requires high annual business revenue for approval
- 1% foreign fee cashback only applies to physical purchases
- Cashback earned can only be used as statement credit
- Late payment penalty is RM120 or 1% of outstanding balance
- Credit limit may be lower than other business cards initially
While the card has excellent benefits for SMEs, the application criteria is quite stringent. There are also some limitations on how cashback can be earned and used. The charges for late payments could be problematic for some smaller firms as well.
How to Unlock the Card?
Follow these steps once you receive your new AmBank Visa Infinite Business Card:
- Locate the last 4 digits of your card number printed on the front.
- Download the AmOnline app or visit the AmOnline web. You can find more details on the website.
- Enter your 16-digit card number, expiry date, and the last 4 digits of your card number.
- Create a 6-digit PIN of your choice. This will be your ATM PIN.
- You will receive an SMS notification once your PIN is successfully set.
- You can now use your AmBank Visa Infinite Business Card at ATMs and for local purchases by entering your 6-digit PIN.
- For overseas purchases, sign at point of sale using the signature panel at the back.
With a few quick steps online or via mobile, you can unlock your new card’s PIN and maximize functionality.
Fees and Tariffs
Key fees for the AmBank Visa Infinite Business Card include:
- No annual fee
- 1% late payment penalty on outstanding balance
- RM120 or 1% over limit charge if limit exceeded
- RM25 charge for physical monthly statements
- Up to 18% p.a. interest on carried balance
- 5% cash advance fee (minimum RM20)
- RM10 sales draft retrieval fee
- RM15 card replacement fee
Ensure on-time payments to avoid late fees and interest charges. There are no foreign transaction or annual fees.
Customer Service
Contact AmBank for any card inquiries and assistance:
- Call their 24/7 contact center at +603 2178 8888
- Log in online and send a message via mailbox service
- Email: [email protected]
- Message on Facebook @AmBankMY or Twitter @AmBankMY
- Download the mobile app
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