So assuming my card activation date is Oct 4, and my statement date is 16th of the month. I would be charged AF on 16th Oct then?

this card is already defined clearly - VI must spend 100k for 100% waive annual fees or 50% - for 50k spent

Called Ambank CS this week, on AMEVI i have clarify with them, they mentioned that i will be charged with the annual fee at this month statement. upon checking i only spend RM56k, likelihood i will be charged RM250 and cannot be waived. looking at the recent devaluation i think i likely cancel and fallback to AMEP. Any thoughts?

So the next card I will cancel is the Enrich VI. I gotta check back when was it charged last year to plan my transactions on the card. Maybe I should stop spending with it soon.

Yes i know that. but i'm talking about the EXACT DATES of how they calculate.

If annual fee is charged 16th July, is it calculated from 16 July 2025 to 15 July 2026? or from any other dates

This post has been edited by adele123: Jul 16 2025, 02:50 PM

Reminding all members that SST cannot be waived.

This post has been edited by hye: Jul 16 2025, 06:17 PM

I needed to know the exact same thing, and have got answers for you. Facts below for your ref.

My first annual fee was charged and waived on 12 July 2024. Card received and activated and SST charged on 17 July 2024.

Second year AF charged and waived on statement date 15 July 2025.

I called CS who checked system and confirmed that my exact yearly spend cycle is 12 Jul to 11 Jul. My next cycle runs from 12 Jul 2025 to 11 Jul 2026.

Knowing the exact dates was really important to me as I made some massive purchases between 12-14 Jul 2025 in order to capture the transactions in my 15 Jul statement and benefit from the 20% Enrich bonus on 15-17 Jul 2025. I swiped over 100k between 12-14 Jul and CS confirmed that I had already met the spending requirement for annual fee next year (which will be charged 15 Jul 2026).

This post has been edited by lilsunflower: Jul 16 2025, 06:19 PM

Thanks for this. This really helps. Lucky for you to kill many birds in one stone. Before devaluation, with enrich bonus, and still keep this card for another year for the lounge.

Not happy with the recent adjustment of the Enrich conversion 🥲 for Enrich Visa Platinum

well, i only use ambank cc to book malaysia airlines ticket. So not much impact except RM3 = 1 point. think most cc also devalue.
not happy, just terminate cc. nothing much we can do

This post has been edited by ericlaiys: Jul 17 2025, 11:23 AM

it was not really a good miles card before the adjustment also

main reason to get the VP is for the lounge access and fast track to elite status

but good thing still no annual fee required, so just keep the card

Not sure if I should downgrade my EVI to EVP and if they will allow, or I probably need to cancel EVI and then apply EVP. It's still useful when I don't fly MH J class. So far I haven't had the chance to use Golden Lounge using EVI yet, either I fly MH J class or other airlines, so I have to use other PPL.

For the free Golden Lounge, mandatory to buy MAS or Oneworld? or any airline also possible?

MAS only.

Have to keep the card, it has twice the Credit Limit of my other cards.

Already apply for the Enrich Platinum. Will terminate my Enrich VI once i get the platinum card. haha

Apply EVP then cancel EVI

Annual fees charged on statement date, guess will keep for another year first since manage to hit waiver criteria

Will probably still use the Golden Lounge can bring +1 which is nice

This post has been edited by DogeGamingPRO: Jul 17 2025, 10:42 PM

Good idea but how to link it to the same EM account?

If hit minimum spending and AF got waived, no reason not to keep.

Yeah its still good for the golden lounge access. Tons better than PPL.