AmBank Enrich Visa Infinite
1 Enrich Point per RM2 overseas & Malaysia Airlines spend
Apply for AmBank Enrich Visa Infinite →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
AmBank Enrich Visa Infinite overview
The AmBank AmBank Enrich Visa Infinite is a Infinite-tier Visa miles card built around air miles. 1 Enrich Point per RM2 overseas & Malaysia Airlines spend. It best suits high-income earners, with a minimum income requirement of RM100,000 a year. It has an annual fee of RM500 (free 1st year; then waived 50% at rm50,000/yr spend, 100% at rm100,000/yr). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓1 Enrich Point per RM2 on overseas & Malaysia Airlines spend
- ✓1 Enrich Point per RM6 on local & other-airline spend
- ✓1 Enrich Point per RM12 on local education, insurance & utility spend
- ✓Unlimited complimentary Malaysia Airlines Golden Lounge access for you and one guest
- ✓Travel insurance coverage up to RM2,000,000
Is the AmBank Enrich Visa Infinite worth it?
The AmBank Enrich Visa Infinite is best suited to high-income earners — its minimum income requirement is RM100,000 a year (about RM8,333 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Annual fee waivable (free 1st year; then waived 50% at rm50,000/yr spend, 100% at rm100,000/yr)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM500 annual fee unless the waiver condition is met
- −Higher income requirement — RM100k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — AmBank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the AmBank Enrich Visa Infinite, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No Enrich Points on petrol, charity, government-related payments, JomPay, FPX, DuitNow QR, transactions with no MCC or MCC 0000, and eWallet transactions (MCC 6540).
- How the cap works
- The 1 Enrich Point per RM12 tier (local education, insurance & utility spend) is capped at a combined 8,000 Enrich Points per statement cycle; the overseas/Malaysia Airlines (RM2:1) and other local/other-airline (RM6:1) tiers are not capped.
- Foreign transaction fee
- The conversion rate as determined by Mastercard International, UnionPay International or Visa International, plus a 1% foreign exchange conversion markup by AmBank on the converted Ringgit Malaysia amount.
- Fee waiver
- First-year waiver applies to principal cards approved on or before 30 Jun 2027. Thereafter: 50% waived at RM50,000/yr spend, 100% waived at RM100,000/yr spend (principal + supplementary combined).
Verified 28 August 2026. Summarised in our own words from AmBank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official AmBank Enrich Visa Infiniteterms & product disclosure →AmBank Enrich Visa Infinite FAQ
You need a minimum annual income of RM100,000 (about RM8,333 a month). AmBank also considers your overall credit standing.
The annual fee is RM500, but it can be waived: free 1st year; then waived 50% at rm50,000/yr spend, 100% at rm100,000/yr.
It earns air miles. 1 Enrich Point per RM2 overseas & Malaysia Airlines spend.
No — the AmBank Enrich Visa Infinite is a conventional credit card. Check with AmBank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "1 Enrich Point per RM2 overseas & Malaysia Airlines spend". Weigh the RM500 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the AmBank Enrich Visa Infinite compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with AmBank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by AmBank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.