A world class Islamic card that's suitable for frequent travelers. Fast-track your frequent flyer miles and get 5X reward points for all your spending!
Earn up to 5X reward points that you can use redeem awesome gifts or convert to airmiles!
Get unlimited rounds of golf with no green fee charges at participating golf clubs in Malaysia.
Get up to 50% dining discounts and 20% off Best Available Room Rates at participating Hilton hotels!
| Earn | Spent In |
|---|---|
| 5 AmBonus Points Per RM 1 | All overseas retail expenses* |
| 1 AmBonus Point Per RM 1 | All local retail expenses |
*All online transactions are not entitled to 5 AmBonus Points regardless of the country the Cardmember is in
| Convert | Redeem |
|---|---|
| 7,000 AmBonus Points | 1,000 Enrich Miles |
| 7,000 AmBonus Points | 1,000 Asia Miles |
| 7,000 AmBonus Points | 1,000 KrisFlyer Miles |
| 6,000 AmBonus Points | 1,000 AirAsia BIG Points |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 Months | 0% p.a. with 4.99% one-time upfront handling fee | From RM 1,000 |
| 12 Months | 0% p.a. with 8.99% one-time upfront handling fee | From RM 5,000 |
| 24 Months | 0% p.a. with 8.99% one-time upfront handling fee | From RM 5,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 3 Months | 0% p.a. with no one-time upfront handling fee | From RM 500 |
| 6 Months | 0% p.a. with no one-time upfront handling fee | From RM 500 |
| 12 Months | 0% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 24 Months | 0% p.a. with no one-time upfront handling fee | From RM 1,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 3% p.a. with no one-time upfront handling fee | From RM 500 |
| 12 Months | 4% p.a. with no one-time upfront handling fee | From RM 2,000 |
| 18 Months | 5% p.a. with no one-time upfront handling fee | From RM 4,000 |
| 24 Months | 6% p.a. with no one-time upfront handling fee | From RM 5,000 |
| Annual Fee For Primary Card | Free |
|---|---|
| Annual Fee For Supplementary Card | Free for the first 3 cardholders* |
| Minimum Monthly Payment | RM 50 or 5% of the outstanding amount, whichever is higher |
| Late Payment Fee | RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100 |
| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |
| Interest Rate On Cash Withdrawals | 18% p.a. |
*Annual fee for the 4th supplementary card onwards is RM 188
| 15% Per Annum | Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months |
|---|---|
| 17% Per Annum | Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle |
| 18% Per Annum | Tier 3: Cardmembers who do not fall within the above categories |
| Minimum Annual Income | RM 120,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Malaysians and permanent residents |
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