AmBank Visa Infinite
5x AmBonus Points per RM1 on overseas spend
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
AmBank AmBank Visa Infinite overview
The AmBank AmBank Visa Infinite is a Infinite-tier Visa points card built around rewards points. 5x AmBonus Points per RM1 on overseas spend. It best suits high-income earners, with a minimum income requirement of RM150,000 a year. It carries no annual fee. Standout perks include airport lounge access.
Features & benefits
- ✓5x AmBonus Points per RM1 on overseas spend
- ✓1x AmBonus Point per RM1 on local retail
- ✓Complimentary airport lounge access
- ✓Free-for-life annual fee
Is the AmBank Visa Infinite worth it?
The AmBank Visa Infinite is best suited to high-income earners — its minimum income requirement is RM150,000 a year (about RM12,500 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- −Higher income requirement — RM150k 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 Visa Infinite, in plain language — so nobody gets caught out. Always confirm against the official terms.
- Foreign transaction fee
- The Visa/Mastercard/UnionPay conversion rate plus a 1% foreign exchange conversion markup levied by AmBank on the converted Ringgit Malaysia amount.
- ⚠Rewards are AmBonus Points, not cashback — AmBank's product page and PDS describe no cashback programme for this card. Cashback on the similarly-named AmBank SIGNATURE Priority Banking Visa Infinite Card-i is a different, higher-tier product.
Verified 5 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 Visa Infiniteterms & product disclosure →AmBank Visa Infinite FAQ
You need a minimum annual income of RM150,000 (about RM12,500 a month). AmBank also considers your overall credit standing.
No — the AmBank Visa Infinite is free for life with no annual fee.
It earns 1 reward point per RM1 spent. 5x AmBonus Points per RM1 on overseas spend.
No — the AmBank 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 rewards points — its main draw is "5x AmBonus Points per RM1 on overseas spend". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the AmBank Visa Infinite 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.