AmBank Enrich Visa Infinite Credit Card

Min. annual incomeRM100,000RM8,333.33 / month equivalent

Principal annual feeRM500

Card networkVisaConventional card

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Unlimited visits + 1 guestMalaysia Airlines Golden Lounge

BEFORE YOU FLY

Airport lounge access

Current programme · checked 3 November 2026

Unlimited visits + 1 guest

Malaysia Airlines Golden Lounge

Spend & visit rules: Fully Malaysia Airlines-operated flight with MH flight number and 232 ticket stock. Platinum quota follows each 12-month card anniversary, not the calendar year.
Who can enter: Principal cardholder and one guest travelling on the same flight.; One same-flight guest included with Infinite; Platinum guests are separately charged.
Where it works: KLIA Domestic, Regional and Satellite Golden Lounges only; partner / oneworld / codeshare lounges excluded.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 ✓ Listed ✓ Listed
KLIA T2 – Outside coverage – Outside coverage
Malaysia Airlines Golden Lounges at T1 only, on an eligible Malaysia Airlines flight.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Malaysia Airlines app → MHvoucher → Privilege Offers

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	✓ Listed	✓ Listed
KLIA T2	– Outside coverage	– Outside coverage

Entry steps & validity

Redeem the eligible voucher at the lounge and present matching boarding pass; accidental redemption cannot be restored.

Use current issuer terms and the participating-outlet list; quotas do not guarantee admission when a lounge is full.

Official lounge eligibility & conditions Participating lounges

Check your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Benefit breakdown

Direct Enrich points

Direct Enrich points
Eligible category	Ringgit per Enrich point
Foreign-currency overseas / eligible Malaysia Airlines	RM2
Other local / other airlines	RM6
Local education, insurance and utilities	RM12

The local education / insurance / utilities categories share an 8,000-point statement cap. Points credit directly to the matched Enrich account and expire under Enrich rules; these are not AmBonus points.

Fees & charges

Principal annual fee: RM500
Service tax: RM25 per issued principal / supplementary card annually; separate from annual fees.
Retail finance / profit rate: 15% / 17% / 18% p.a., based on timely repayment history.
Cash advance fee: 1.3% of withdrawal plus applicable 8% tax on that fee.
Cash advance finance rate: 18% p.a., calculated daily from withdrawal; no interest-free period.
Minimum payment: 5% of relevant outstanding balance plus full instalments, tax, arrears and over-limit amounts; minimum RM50, subject to PDS formula.
Late payment: 1% of relevant balance; minimum RM10 and maximum RM100.
Foreign exchange: Card-network conversion rate plus 1% bank charge.
Retail grace period: 20 days from statement date when the statement is paid fully and on time; excludes cash advances.
Annual-fee waiver: 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.

Requirements

Minimum annual income: RM100,000 (RM8,333 monthly equivalent)
Principal minimum age: 21 years; upper age / documentary conditions follow the current application.

Product features

Card benefits: Direct Enrich points from RM2 per point on eligible overseas / Malaysia Airlines spending; unlimited principal + one guest Golden Lounge visits.
Malaysia Airlines travel benefits: Up to 12% discount on selected eligible Malaysia Airlines fares through the designated booking route; 30% lower Elite Points qualification requirement under the programme, not automatic elite status.
Travel insurance / Takaful: Up to RM2,000,000 travel accident cover when the full eligible airfare is charged to this card. Insured events, family sublimits, trip duration and exclusions follow the applicable policy; this is not unlimited medical cover.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.