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Credit Cards AmBank Credit Card V3, Free for life card, PPL access with T&C

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ryansxs
post Jan 18 2025, 06:53 PM

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QUOTE(knwong @ Jan 5 2025, 09:19 AM)
How long it takes for Ambank to process the new cc application? Just submitted mine for Enrich VI
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less than 2 weeks
ryansxs
post Feb 3 2025, 03:11 PM

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QUOTE(ASAP @ Feb 3 2025, 10:18 AM)
Hi

I am going to apply for the AmBank Enrich VISA Infinite and would like to know whether supplement card holder entitles the unlimited Golden Lounge access + 1 guest?

And is ENrich VISA Infinite has the best airmiles conversion rate among all AmBank card?

Thanks
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yes you can bring 1 guest.
ryansxs
post Feb 3 2025, 09:24 PM

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QUOTE(ASAP @ Feb 3 2025, 03:32 PM)
Thanks for the reply. What I meant is can the supplementary holder bring additonal 1 guest, mean Principal bring 1 and Supplementary bring another 1? Thanks
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Supplementary card holders can't even enter the Lounge.
Only Principal cardholder can enter and bring one guest.
ryansxs
post Feb 25 2025, 03:04 AM

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QUOTE(ericlaiys @ Feb 18 2025, 05:44 AM)
Spend 100k before card anniversary to waive 100%. Lucky I applied platinum, no need to bother
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Me too. Platinum is good enough. No annual fees for life.
ryansxs
post Mar 19 2025, 01:47 PM

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QUOTE(mikhailcbh @ Mar 18 2025, 10:29 AM)
Now I have an Ambank Visa Signature. I am wondering if I get another Visa Infinite, can I use both cards to gain access to lounge simultanoesly? Another entry is for my below 18 yo son but under my name.

Any real life experience to share?

Thank you
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not allowed
ryansxs
post Mar 19 2025, 02:14 PM

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QUOTE(frankliew @ Mar 19 2025, 02:11 PM)
Hihi, anyone can confirm Ambank Enrich oversea spend vs Wise. Which one is cheaper ya?
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wise use close to google exchange rate.

cc use the bank rate.
ryansxs
post Mar 19 2025, 03:34 PM

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QUOTE(DogeGamingPRO @ Mar 19 2025, 02:18 PM)
No, mostly use VISA/Master rate + % markup
I frequently use my Enrich Infinite so I verified it, it follows Visa rate for that day +1% markup, which isn't that bad, I use it to get RM1:1 mile

https://www.visa.com.my/support/consumer/tr...calculator.html

Just use this and set the bank fee to 1% to find out the exact amount that you'll be charged
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AFAIK, local bank rate is better than international bank rate. you can try.
ryansxs
post Mar 19 2025, 08:49 PM

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QUOTE(hye @ Mar 19 2025, 07:01 PM)
All card issuers will use VISA / MC rate as the benchmark when determining the final charge for overseas transactions.
Have nearly 100 AMBank transactions as reference and the final charge using VISA calculator is correct (with occasional plus/minus 0.01 difference due to rounding) after 1% markup.
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the markup makes the difference.

have you compared, the same day transaction with 2 cards, one with international bank and one with local bank? both visa.
ryansxs
post Apr 3 2025, 11:48 AM

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QUOTE(ZeneticX @ Apr 3 2025, 11:19 AM)
Anybody downgraded Enrich Infinite to Platinum before to avoid the 2nd year annual fee? Have to do it before the annual fee appears in statement or can do it after?
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I applied Platinum directly, knowing this issue would come later.
ryansxs
post Apr 3 2025, 12:04 PM

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QUOTE(ZeneticX @ Apr 3 2025, 11:56 AM)
i was thinking to make use of the better rate for foreign spent (RM1 = 1 point) within 1 year before downgrading back to platinum (if possible)
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don't think they can directly change. need to cancel and re-apply?
i might be wrong
ryansxs
post Apr 14 2025, 06:40 PM

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QUOTE(fruitie @ Apr 11 2025, 02:48 PM)
Please understand the original post first before posting things that can create confusion and conflict.

adele123 is a seasoned credit cards user, she has CC in almost all the banks in Malaysia, like many of us as well.

She was just replying to this post:
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yes she asked nicely.
ryansxs
post May 9 2025, 03:34 PM

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QUOTE(richtrons @ May 9 2025, 01:41 PM)
Hi guys, i wanted to apply for the ambank enrich visa platinum. i submitted info in the ambank website 2 days ago. no feedback till now. anyone know normally how long they will feedback?
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sabar bang.....
take a week at least
ryansxs
post Jun 28 2025, 12:00 AM

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QUOTE(ericlaiys @ Jun 25 2025, 11:31 PM)
after one year, here it come the new revision:- https://ringgitplus.com/en/blog/credit-card...6vA3ohhtOzVRiFw

Lucky i'm using platinum. Impacted to VI
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Phew...lucky platinum they didnt touch.
ryansxs
post Jul 2 2025, 08:03 PM

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QUOTE(KTCY @ Jul 2 2025, 12:44 PM)
Looking to apply Ambank enrich. Please PM me if you are bankrr
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no need banker. just do online.
they will call you to verify if needed.


ryansxs
post Jul 13 2025, 07:57 PM

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QUOTE(bluecolar123 @ Jul 13 2025, 12:37 AM)
Not surprised with the devaluation, but honestly I thought they would kacau the fast track as well. Make it only Enrich Infinite can reach Platinum, and Enrich Platinum can only reach Gold…
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bruce.gif Dont give them ideas.... LOL

Anyway, if you guys are chasing miles, then surely its not worth these cards.
But for fast track, its worth it, at least for me. In route to reach Platinum soon.
Also Visa Platinum is better as no AF, same fast track 30% reduction as Infinite.
So yea, for now its still acceptable card to keep. If they continue to slash their perks, no brainer to just cancel them.
ryansxs
post Jul 15 2025, 02:32 PM

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QUOTE(ericlaiys @ Jul 15 2025, 10:34 AM)
Update.
1. got charge sst
2. called bank. according to them, only can use ambonus point to waive . enrich no ambonus
3. so need to pay. For me it is fine to pay as i found this card very useful for 30% reduction on fast track. Now at gold level and enjoy lounge access on every country.  Soon going to reach platinum level and hopefully before end of this year.
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3. Only if you fly with oneworld partners.
ryansxs
post Jul 17 2025, 10:32 PM

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QUOTE(fruitie @ Jul 17 2025, 11:58 AM)
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.
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Apply EVP then cancel EVI
ryansxs
post Aug 3 2025, 10:13 AM

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QUOTE(tlc7 @ Aug 3 2025, 10:07 AM)
Since enrich vi is tied to email. Can enrich bind your 2 different accounts together?
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Use same email.
ryansxs
post Sep 18 2025, 03:05 PM

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QUOTE(ericlaiys @ Sep 18 2025, 02:22 PM)
just get Enrich Platinum will do. maintain 30% reduction - free annual fees. no need to worry
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yes, thats the easy way.
I had been holding platinum, no need to worry. just once in a while i use it to purchase my airticket, thats all.

ryansxs
post Oct 31 2025, 01:13 PM

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Seem like it will be more challenging to achieve higher Enrich tier

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