Everyday cashback, AmBonus rewards and direct Enrich points, alongside Islamic and Priority Banking options. Compare the different lounge programmes and spending conditions.
Personal cards are shown first. Switch Product group for business / corporate cards. Invitation and availability labels describe application access, not approval.
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Visa
3 additional BonusLink points per RM1 at Shell and Parkson, on top of separate base earn; 3,000 additional-point statement cap.
First two years waived; subsequent annual fee waived with at least 12 card swipes per year. Supplementary annual fee waived.
Visa10% cashback in four selected categories after RM1,500 eligible monthly spend; RM10 cap per category. Other eligible spending earns 0.2%.
Lifetime annual-fee waiver for principal and supplementary cards.
VisaDirect Enrich points from RM3 per point on eligible overseas / Malaysia Airlines spending; 4 principal Golden Lounge visits.
Lifetime annual-fee waiver.
Visa2% petrol cashback for full payers, capped at RM20 per card monthly; separate 5% revolving-payment tier with RM80 cap.
Lifetime annual-fee waiver.
Visa2X AmBonus on eligible physical overseas retail; 1X on other eligible retail.
Lifetime annual-fee waiver for principal and supplementary cards.
Visa2X AmBonus on eligible physical overseas retail; 1X on other eligible retail.
Lifetime annual-fee waiver for principal and supplementary cards.
UnionPay5X AmBonus on eligible physical overseas retail and 1X locally; conditional 6 annual Plaza Premium Lounge visits.
First year waived; subsequent principal annual fee waived with RM20,000 annual retail spending. Supplementary annual fee waived.
Visa5 additional BonusLink points per RM1 at Shell and Parkson, on top of separate base earn; 3,000 additional-point statement cap.
First two years waived; subsequent annual fee waived with at least 12 card swipes per year. Supplementary annual fee waived.
Visa3X AmBonus on eligible physical overseas retail; 1X on other eligible retail. Conditional 6 annual lounge visits.
Lifetime annual-fee waiver for principal and supplementary cards.
Visa3X AmBonus on eligible physical overseas retail; 1X on other eligible retail. Conditional 6 annual lounge visits.
Lifetime annual-fee waiver for principal and supplementary cards.
VisaDirect Enrich points from RM2 per point on eligible overseas / Malaysia Airlines spending; unlimited principal + one guest Golden Lounge visits.
First-year waiver for approvals through 30 June 2027; subsequent 50% waiver at RM50,000 annual spend and full waiver at RM100,000. Supplementary fee waived.
Visa5X AmBonus on eligible physical overseas retail; 1X on other eligible retail. Conditional 6 annual lounge visits.
Lifetime annual-fee waiver for principal and supplementary cards.
Visa5X AmBonus on eligible physical overseas retail; 1X on other eligible retail. Conditional 6 annual lounge visits.
Lifetime annual-fee waiver for principal and supplementary cards.
Mastercard5X eligible physical overseas AmBonus; revised 6 annual lounge visits for principal holders after prior-month spending qualification.
Lifetime annual-fee waiver.
Mastercard5X eligible physical overseas AmBonus; revised 6 annual lounge visits for principal holders after prior-month spending qualification.
Lifetime annual-fee waiver.
VisaPriority-tier lounge privileges: Base 6 conditional visits; Gold 8; Platinum 12; Diamond unlimited with The Metal. Tiered AmBonus rewards.
Lifetime annual-fee waiver. Relationship and tier conditions apply.
VisaPriority-tier lounge privileges: Base 6 conditional visits; Gold 8; Platinum 12; Diamond 12. Tiered AmBonus rewards.
Lifetime annual-fee waiver. Relationship and tier conditions apply.
VisaPriority-tier lounge privileges: Base 6 conditional visits; Gold 8; Platinum 12; Diamond 12. Tiered cashback on eligible retail.
Lifetime annual-fee waiver. Relationship and tier conditions apply.
Visa1% on eligible physical overseas purchases, 0.5% selected business categories and 0.1% other eligible spend; conditional lounges.
Lifetime annual-fee waiver under the July 2026 corporate PDS.
VisaBusiness payment and expense management, with conditional 6 annual lounge visits under the November 2026 rules.
Lifetime annual-fee waiver under the July 2026 corporate PDS.
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This page covers reviewed personal card products and separately labelled business and relationship-only options. Network variants are shown separately where their benefits differ; paired DUO cards are identified on their detail pages. Retired and discontinued products are excluded.
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