AmBank UnionPay Platinum Card
5x points overseas + lounge access in 50+ countries
Apply for AmBank UnionPay Platinum Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
AmBank UnionPay Platinum Card overview
The AmBank AmBank UnionPay Platinum Card is a Platinum-tier UnionPay points card built around rewards points. 5x points overseas + lounge access in 50+ countries. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM450 (free 1st year; then waived at rm20,000/yr spend). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓5x AmBonus points on overseas spend
- ✓Plaza Premium Lounge access in 50+ countries
- ✓Up to RM1m travel insurance
Is the AmBank UnionPay Platinum Card worth it?
The AmBank UnionPay Platinum Card is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (free 1st year; then waived at rm20,000/yr spend)
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM450 annual fee unless the waiver condition is met
- −Higher income requirement — RM60k 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
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
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 UnionPay Platinum Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- Foreign transaction fee
- The conversion rate as determined by Mastercard International, UnionPay International or Visa International, plus a 1% foreign exchange conversion markup levied by AmBank on the converted Ringgit Malaysia amount.
- ⚠The 5x AmBonus Points overseas rate excludes overseas ONLINE purchases per the official product page — only overseas retail (in-person) swipes qualify.
- ⚠Excess Limit Service fee is RM6 plus 8% SST if triggered, at the bank's discretion.
Verified 1 September 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 UnionPay Platinum Cardterms & product disclosure →AmBank UnionPay Platinum Card FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). AmBank also considers your overall credit standing.
The annual fee is RM450, but it can be waived: free 1st year; then waived at rm20,000/yr spend.
It earns 1 reward point per RM1 spent. 5x points overseas + lounge access in 50+ countries.
No — the AmBank UnionPay Platinum Card is a conventional credit card. Check with AmBank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want rewards points — its main draw is "5x points overseas + lounge access in 50+ countries". Weigh the RM450 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the AmBank UnionPay Platinum Card compares
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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.