AmBank Islamic Visa Signature Credit Card-i

Min. annual incomeRM80,000RM6,666.67 / month equivalent

Principal annual feeRM0

Card networkVisaIslamic credit card

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6 complimentary visits / calendar yearPlaza Premium Lounge

BEFORE YOU FLY

Airport lounge access

Current programme · checked 3 November 2026

6 complimentary visits / calendar year

Plaza Premium Lounge

Spend & visit rules: At least RM1,000 eligible retail spending on the same card in the preceding calendar month. Monthly qualification expires; annual cap follows the customer’s highest eligible card, not six visits on every card. Revised from 1 November 2026.
Who can enter: Eligible principal cardholder only; supplementary cards do not receive this allowance.; Guests are charged separately unless expressly included.
Where it works: Participating Plaza Premium Lounges; Plaza Premium First is excluded from this general programme.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 Check with issuer Check with issuer
KLIA T2 Check with issuer Check with issuer
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Present physical card; no mandatory membership app stated by issuer

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	Check with issuer	Check with issuer
KLIA T2	Check with issuer	Check with issuer

Entry steps & validity

Physical eligible card, matching boarding pass and passport for overseas travel (NRIC where accepted in Malaysia); one entry per 24 hours. New / replacement cards become eligible from the following month, subject to spending qualification.

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

AmBonus points

AmBonus points
Eligible spend	Points per RM1
Physical overseas retail	3X
Other eligible retail	1X

Overseas online purchases do not qualify as physical overseas retail. Petrol, charity, government, e-wallet top-ups, JomPAY / FPX / DuitNow QR, cash, fees and excluded MCCs do not earn points.

Airline redemption examples

Airline redemption examples
Airline award	AmBonus points required
1,000 AirAsia points	8,000
1,000 Enrich points	18,000
1,000 Asia Miles / KrisFlyer miles	25,000

Current catalogue ratios are separate from the earn rate. Redemption blocks and availability apply.

Fees & charges

Principal annual fee: RM0
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: Lifetime annual-fee waiver for principal and supplementary cards.

Requirements

Minimum annual income: RM80,000 (RM6,667 monthly equivalent)
Principal minimum age: 21 years; upper age / documentary conditions follow the current application.

Product features

Card benefits: 3X AmBonus on eligible physical overseas retail; 1X on other eligible retail. Conditional 6 annual lounge visits.
Points expiry: AmBonus points generally expire after three years; check transaction exclusions and the current redemption catalogue.
Travel insurance / Takaful: Up to RM1,000,000 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.
Golf privileges: Selected complimentary cardholder green fees require a paying guest and programme booking conditions; not unlimited free golf.

Product disclosure·Card terms·Terms apply

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