For comparison purposes only. Final terms are determined by the issuing bank.
Review
A No-Fee Infinite Card with Lifestyle-Centric Benefits
The AmBank Visa Infinite Credit Card represents the highest tier available to non–Priority Banking customers within AmBank’s lineup. It is positioned as a lifestyle-oriented Infinite card, offering international lounge access and premium travel privileges without imposing an annual fee on the principal cardholder.
The card’s rewards structure is narrowly focused. Cardholders earn 5X AmBonus Points on overseas retail transactions, explicitly excluding online purchases. Local spending and online transactions earn significantly lower returns, making the card unsuitable as a general-purpose points accumulator. In practice, the card delivers its best value when used selectively for in-person overseas spending.
Travel benefits include 6 complimentary Plaza Premium Lounge visits per year across more than 40 countries. In Malaysia, lounge access is limited to KLIA Terminal 1. Each lounge visit is subject to a minimum spend of RM1,000 in the calendar month prior to access, a condition that applies on a per-visit basis and should be carefully noted by frequent travellers.
Additional perks reinforce its lifestyle positioning, including RM2 million travel insurance or takaful coverage when full airfare is charged to the card, dining privileges at participating Shangri-La hotels, golf benefits, Club Marriott Malaysia membership access, FunNow Elite dining privileges, Visa Concierge services and access to AmBank’s 0% Easy Payment Plan at participating merchants.
The minimum income requirement is RM120,000 per annum. The principal card carries a free-for-life annual fee with no conditions attached. The first three supplementary cards are also free for life, with additional supplementary cards charged at RM188 per annum. The card supports Apple Pay and Google Pay.
Verdict: The AmBank Visa Infinite is best suited for users seeking an Infinite-tier card with no annual fee and a strong set of lifestyle and travel benefits. While its overseas earning rate is respectable, the narrow rewards structure and conditional lounge access make it less competitive as a mileage optimisation tool compared to other Infinite cards. Its value lies primarily in being a cost-free premium card for occasional travellers rather than a core rewards engine.
Pros
- Free-for-life annual fee with no spend conditions
- Overseas retail spending earns accelerated points
- Plaza Premium Lounge access across multiple countries
- Comprehensive travel insurance coverage
- Strong lifestyle and dining privileges
Cons
- Rewards limited mainly to overseas retail spending
- Online transactions excluded from bonus points
- Lounge access subject to monthly spend requirement per visit
- Malaysia lounge access limited to KLIA Terminal 1
- Not optimised for long-term mileage accumulation
Rewards Points
Excluding online purchases
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available. A lower CPM indicates better value.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Airport Lounge Access
Program Name
Plaza Premium Group
Annual Visits
Eligible users
Access type
Spending RequiredRequirement
Min. spend RM 1,000 within a calendar month before visit
Applicable locations:
Lounge access is subject to bank-defined terms and may change over time.
For the full lounge list, please refer to the relevant official website.
Card benefits
6x Plaza Premium Lounge Access
Complimentary access to Plaza Premium Lounge (PPL) locations in Malaysia (KLIA Terminal 1 only) and selected countries worldwide.
Travel Insurance / Takaful Coverage (Up to RM2,000,000)
You and your family members are protected with up to RM2 million travel insurance / takaful coverage.
Shangri-La Dining Privileges
Enjoy up to 50% discount on food when you dine at participating outlets in Shangri-La Hotel.
Golf Privileges
Enjoy a complimentary round of golf with one (1) paying guest.
FunNow Elite Privileges
Redeem membership and enjoy a complimentary Signature Dish every time you reserve with FunNow Elite.
Club Marriott Malaysia Annual Membership
Club Marriott Malaysia annual membership is made available for you with your AmBank Credit Card/-i.
Visa Concierge Services
Visa Concierge is a 24/7 digital personal assistant and lifestyle guide within the app.
Easy Payment Plan (0%)
Convert purchases into 0% interest/management fee instalment plan at participating merchants.