Privileges that grow with you.

The Beyond Privileges Rewards Programme is structured across three tiers – Gold, Platinum and Diamond, each offering a distinct level of value as your relationship with AmBank develops. Preferential rates, dedicated advisory and curated privileges are assigned according to the tier and expand as your standing does.

Select Gold | Platinum | Diamond tab to explore.

For those building a growing financial position.
Preferential rates, priority service and a dedicated Relationship Manager.

Eligibility¹ (based on past 6 months' average)
Primary Asset Under Management (AUM)²	RM200,000 and above
	and
Primary AUM in Current/Savings Account/-i (CASA/-i)³ and/or Primary Wealth⁴	RM50,000 and above
Exclusive Benefits⁵
Investment Birthday Unit Trust (UT) and New-to-UT Offer* * Terms and conditions apply, applicable to both Conventional and Shariah-compliant UT, capped at a maximum of RM100,000 UT investment.	1.0% sales charge
Financing	Eligible for preferential rates⁶
Enhanced Credit Card/-i Benefits⁵
Eligible Card Types	The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i	The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card	The AmBank SIGNATURE Priority Banking - The Metal Visa Infinite Credit Card
Core Benefits
Local Spend	Up to 1% Cashback	1X	1X
Overseas Spend (POS)		5X	10X
Additional Points
Overseas Spend (POS) and Local Dining Spend	-	2X	2X
Airport and Travel Privileges
Lounge Access (allocated on calendar year basis)	8X access to Plaza Premium Lounge
Complimentary e-hailing rides with Bolt	2X per year (capped at RM100 per ride from KLIA)

Notes:

Eligible Clients must meet both the Primary AUM and Primary CASA/CASA-i and/or Primary Wealth AUM criteria to be categorised into the respective Reward Tiers.
Asset Under Management (AUM) is defined as the total aggregate of primary account balances in Deposits and/or Investment, and/or Premium/Contribution of Bancassurance/Bancatakaful products that are in force, held with the Bank.
CASA/CASA-i means Current Account (“CA”)/Current Account-i (“CA-i”), Savings Account (“SA”)/Savings Account-i (“SA-i”), (including Foreign Currency Current Account (“FCA”)/ Foreign Currency Current Account-i (“FCA-i”) and excluding all HomeLink Current Account/HomeLink Investment Account-i, PropertyLink Current Account/PropertyLink Investment Account-i and Bank Staff Payroll Saving Account/Bank Staff Payroll Saving Account-i), held with the Bank under the Primary Accountholder’s name.
Wealth means Wealth Management products inclusive of Investment (based on market value) and/or Bancassurance/Bancatakaful products held with the Bank under the Primary Accountholder’s name.
The privileges listed above are subject to terms and conditions, which can be found at Ambank.com.my/amspb. Where credit card-specific benefits are applicable, that Principal and Supplementary cardholders will need to qualify for the respective Reward Tiers (either Gold, Platinum or Diamond) to enjoy the privileges.
Where rates are applicable, the rates are subject to change. Please refer to ambank.com.my/rates-fees-charges for the latest rates.

For clients with broadening portfolio.
Advanced advisory, wider privileges and a deeper level of service.

Eligibility¹ (based on past 6 months' average)
Primary Asset Under Management (AUM)²	RM 500,000 and above
	and
Primary AUM in the Current/Savings Account/-i (CASA/-i)³ and/or Primary Wealth⁴	RM100,000 and above
Exclusive Benefits⁵
Investment Birthday Unit Trust (UT) and New-to-UT Offer* *Terms and conditions apply, applicable to both Conventional and Shariah-compliant UT, capped at a maximum of RM100,000 UT investment	0.9% sales charge
Financing	Eligible for preferential rates⁶
Enhanced Credit Card/-i Benefits⁵
Eligible Card Types	The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i	The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card	The AmBank SIGNATURE Priority Banking - The Metal Visa Infinite Credit Card
Core Benefits
Local Spend	Up to 2% Cashback	1X	1X
Overseas Spend (POS)		5X	10X
Additional Points
Overseas Spend (POS) and Local Dining Spend	-	5X	5X
Airport and Travel Privileges
Lounge Access (allocated on calendar year basis)	12X access to Plaza Premium Lounge and/or Plaza Premium First
Complimentary e-hailing rides with Bolt	4X per year (capped at RM100 per ride from KLIA)

Notes:

Eligible Clients must meet both the Primary AUM and Primary CASA/CASA-i and/or Primary Wealth AUM criteria to be categorised into the respective Reward Tiers.
Asset Under Management (AUM) is defined as the total aggregate of primary account balances in Deposits and/or Investment, and/or Premium/Contribution of Bancassurance/Bancatakaful products that are in force, held with the Bank.
CASA/CASA-i means Current Account (“CA”)/Current Account-i (“CA-i”), Savings Account (“SA”)/Savings Account-i (“SA-i”), (including Foreign Currency Current Account (“FCA”)/ Foreign Currency Current Account-i (“FCA-i”) and excluding all HomeLink Current Account/HomeLink Investment Account-i, PropertyLink Current Account/PropertyLink Investment Account-i and Bank Staff Payroll Saving Account/Bank Staff Payroll Saving Account-i), held with the Bank under the Primary Accountholder’s name.
Wealth means Wealth Management products inclusive of Investment (based on market value) and/or Bancassurance/Bancatakaful products held with the Bank under the Primary Accountholder’s name.
The privileges listed above are subject to terms and conditions, which can be found at Ambank.com.my/amspb. Where credit card-specific benefits are applicable, that Principal and Supplementary cardholders will need to qualify for the respective Reward Tiers (either Gold, Platinum or Diamond) to enjoy the privileges.
Where rates are applicable, the rates are subject to change. Please refer to ambank.com.my/rates-fees-charges for the latest rates.

For those at the highest level of relationship with AmBank. Senior advisory, comprehensive privileges and services built around legacy.

Eligibility¹ (based on past 6 months' average)
Primary Asset Under Management (AUM)²	RM2,000,000 and above
	and
Primary AUM in the Current/Savings Account/-i (CASA/-i)³ and/or Primary Wealth⁴	RM500,000 and above
Exclusive Benefits⁵
Investment Birthday Unit Trust (UT) and New-to-UT Offer* *Terms and conditions apply, applicable to both Conventional and Shariah-compliant UT, capped at a maximum of RM100,000 UT investment	0.8% sales charge
Financing	Eligible for preferential rates⁶
Enhanced Credit Card/-i Benefits⁵
Eligible Card Types	The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i	The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card	The AmBank SIGNATURE Priority Banking - The Metal Visa Infinite Credit Card
Core Benefits
Local Spend	Up to 5% Cashback	1X	1X
Overseas Spend (POS)		5X	10X
Additional Points
Overseas Spend (POS) and Local Dining Spend	-	5X	5X
Airport and Travel Privileges
Lounge Access (allocated on calendar year basis)	12X access to Plaza Premium Lounge and/or Plaza Premium First		Unlimited access to Plaza Premium Lounge, Plaza Premium First, and LoungeKey
Complimentary e-hailing rides with Bolt Local (capped at RM100 per ride from KLIA)	4X per year		4X per year
Overseas (at selected countries)	-	-	RM200 Annual Complimentary Ride Credits
Airport Meet and Assist (at selected international airports)	-	-	2X (with a minimum retail spend of RM30,000 in the month preceding the access and/or in the month of access)
Hotel Membership
Complimentary All Accor+ Explore Hotel Membership (renewable on annual basis, minimum spend of RM100,000 per year for membership renewal)	-		12-months' membership 1X complimentary night stay 30% off dining 15% off global stays across 4,500+ hotels including Sofitel, Pullman, Raffles etc.
Dining Privileges	-		Up to 50% discount at participating restaurants

Notes:

Eligible Clients must meet both the Primary AUM and Primary CASA/CASA-i and/or Primary Wealth AUM criteria to be categorised into the respective Reward Tiers.
Asset Under Management (AUM) is defined as the total aggregate of primary account balances in Deposits and/or Investment, and/or Premium/Contribution of Bancassurance/Bancatakaful products that are in force, held with the Bank.
CASA/CASA-i means Current Account (“CA”)/Current Account-i (“CA-i”), Savings Account (“SA”)/Savings Account-i (“SA-i”), (including Foreign Currency Current Account (“FCA”)/ Foreign Currency Current Account-i (“FCA-i”) and excluding all HomeLink Current Account/HomeLink Investment Account-i, PropertyLink Current Account/PropertyLink Investment Account-i and Bank Staff Payroll Saving Account/Bank Staff Payroll Saving Account-i), held with the Bank under the Primary Accountholder’s name.
Wealth means Wealth Management products inclusive of Investment (based on market value) and/or Bancassurance/Bancatakaful products held with the Bank under the Primary Accountholder’s name.
The privileges listed above are subject to terms and conditions, which can be found at Ambank.com.my/amspb. Where credit card-specific benefits are applicable, that Principal and Supplementary cardholders will need to qualify for the respective Reward Tiers (either Gold, Platinum or Diamond) to enjoy the privileges.
Where rates are applicable, the rates are subject to change. Please refer to ambank.com.my/rates-fees-charges for the latest rates.

Membership

Entry into the respective Reward Tiers will be assessed based on your past 6-month average Primary AUM and Primary CASA/-i and/or Primary Wealth Management (WM) AUM:

Criteria (Past 6-month average)	AmSPB Tier		Reward Tier
Criteria (Past 6-month average)	AmSPB Tier		Gold Tier	Platinum Tier	Diamond Tier
Primary AUM	Below RM200,000	RM200,000 and above	RM200,000 and above	RM500,000 and above	RM2,000,000 and above
		AND	AND
Primary CASA/CASA-i and/or Primary WM AUM		Below RM50,000	RM50,000 and above	RM100,000 and above	RM500,000 and above

Once a Reward Tier is assigned, you will be able to enjoy the benefits and privileges under the respective Reward Tiers for a 6-month period, also known as the “Lock-In Period”, starting from the day of Reward Tier assignment.
Your Programme membership will be reviewed after every Lock-In Period, where your latest past 6-month average Primary AUM and Primary CASA/-i and/or Primary WM AUM will be used to determine which Reward Tier will be assigned.

After every Lock-In Period, a new/the same Reward Tier will be assigned based on your latest past 6-month average Primary AUM and Primary CASA/-i and/or Primary WM AUM.
Should your past 6-month average Primary AUM and Primary CASA/-i and/or Primary WM AUM fall below the Programme threshold after the Lock-in Period, you will have to top up and meet the Programme eligibility once more to be assigned into the respective Reward Tiers.
Important Note: As the Reward Tier assignment is based on a 6-month average, it is important to maintain your Primary AUM and Primary CASA/-i and/or Primary WM AUM throughout the Lock-in Period to continue enjoying the benefits from the respective Reward Tiers in the next cycle.

Maintain Reward Tier

Month	Lock-in Period 1						Reward Tier Assignment Month
Month	1 Nov-26	2 Dec-26	3 Jan-27	4 Feb-27	5 Mar-27	6 Apr-27	7 May-27
Primary AUM of the month (MYR)	250,000	270,000	275,000	280,000	280,000	285,000	Meet the past 6-month average of minimum RM200,000 for AmSPB Gold Tier
Average Primary AUM (MYR)		260,000 (Past 2-month average)	265,000 (Past 3-month average)	268,750 (Past 4-month average)	271,000 (Past 5-month average)	273,333 (Past 6-month average)
Primary CASA/CASA-i and/or Primary WM AUM of the month (MYR)	50,000	60,000	50,000	45,000	48,000	50,000	Meet the past 6-month average of minimum RM50,000 for AmSPB Gold Tier
Average Primary CASA/CASA-i and/or Primary WM AUM (MYR)		55,000 (Past 2-month average)	53,333 (Past 3-month average)	51,250 (Past 4-month average)	50,600 (Past 5-month average)	50,500 (Past 6-month average)
Reward Tier Eligibility	AmSPB Gold Tier						Maintain at AmSPB Gold Tier

Upgrade Reward Tier

Month	Lock-in Period 1						Reward Tier Assignment Month
Month	1 Nov-26	2 Dec-26	3 Jan-27	4 Feb-27	5 Mar-27	6 Apr-27	7 May-27
Primary AUM of the month (MYR)	420,000	450,000	500,000	530,000	550,000	550,000	Meet the past 6-month average of minimum RM500,000 for AmSPB Platinum Tier
Average Primary AUM (MYR)		435,000 (Past 2-month average)	456,667 (Past 3-month average)	475,000 (Past 4-month average)	490,000 (Past 5-month average)	500,000 (Past 6-month average)
Primary CASA/CASA-i and/or Primary WM AUM of the month (MYR)	80,000	90,000	100,000	100,000	120,000	120,000	Meet the past 6-month average of minimum RM100,000 for AmSPB Platinum Tier
Average Primary CASA/CASA-i and/or Primary WM AUM (MYR)		85,000 (Past 2-month average)	90,000 (Past 3-month average)	92,500 (Past 4-month average)	98,000 (Past 5-month average)	101,667 (Past 6-month average)
Reward Tier Eligibility	AmSPB Gold Tier						Upgrade to AmSPB Platinum Tier

Downgrade Reward Tier

Month	Lock-in Period (1)						Reward Tier Assignment Month
Month	1 Nov-26	2 Dec-26	3 Jan-27	4 Feb-27	5 Mar-27	6 Apr-27	7 May-27
Primary AUM of the month (MYR)	550,000	500,000	500,000	450,000	450,000	450,000	Does NOT meet the past 6-month average of minimum RM500,000 for AmSPB Platinum Tier BUT Meets the past 6-month average of minimum RM200,000 for AmSPB Gold Tier
Average Primary AUM (MYR)		525,000 (Past 2-month average)	516,667 (Past 3-month average)	500,000 (Past 4-month average)	490,000 (Past 5-month average)	483,333 (Past 6-month average)
Primary CASA/CASA-i and/or Primary WM AUM of the month (MYR)	120,000	110,000	100,000	100,000	90,000	80,000	Meet the past 6-month average of minimum RM100,000 for AmSPB Platinum Tier
Average Primary CASA/CASA-i and/or Primary WM AUM (MYR)		115,000 (Past 2-month average)	110,000 (Past 3-month average)	107,500 (Past 4-month average)	104,000 (Past 5-month average)	100,000 (Past 6-month average)
Reward Tier Eligibility	AmSPB Platinum Tier						Downgrade to AmSPB Gold Tier (Due to NOT meeting the past 6-month average Primary AUM of minimum RM500,000 for AmSPB Platinum Tier. Refer to Clause 3.4)

Exit Reward Tier (downgrade to Base Tier)

Month	Lock-in Period (1)						Reward Tier Assignment Month
Month	1 Nov-26	2 Dec-26	3 Jan-27	4 Feb-27	5 Mar-27	6 Apr-27	7 May-27
Primary AUM of the month (MYR)	250,000	200,000	200,000	190,000	180,000	180,000	Meet the past 6-month average of minimum RM200,000 for AmSPB Gold Tier
Average Primary AUM (MYR)		225,000 (Past 2-month average)	216,667 (Past 3-month average)	210,000 (Past 4-month average)	204,000 (Past 5-month average)	200,000 (Past 6-month average)
Primary CASA/CASA-i and/or Primary WM AUM of the month (MYR)	50,000	40,000	30,000	20,000	20,000	20,000	Does NOT meet the past 6-month average of minimum RM50,000 for AmSPB Gold Tier
Average Primary CASA/CASA-i and/or Primary WM AUM (MYR)		45,000 (Past 2-month average)	40,000 (Past 3-month average)	35,000 (Past 4-month average)	32,000 (Past 5-month average)	30,000 (Past 6-month average)
Reward Tier Eligibility	AmSPB Gold Tier						Downgrade to AmSPB Basic Tier (Due to NOT meeting the past 6-month average Primary CASA/CASA-i and/or Primary WM AUM of minimum RM50,000 for AmSPB Gold Tier. Refer to Clause 3.4)

Benefits and Privileges

Visit the branch or speak to your Relationship Manager to enjoy the lower sales charge when you invest in UT for the first time or during your birthday month.
b. The investment amount is capped at RM100,000. Please refer to the full terms and conditions that can be found at placeholder

Please refer to ambank.com.my/metal for more information.

The benefits for each Reward Tier are allocated and tracked on a yearly basis, based on calendar year which starts on 1 January and ends on 31 December.
Regardless of when the Reward Tier was assigned, you will be entitled to the full-year allocation, unless there is a change in Reward Tier assignment during any point within the calendar year.
For example, on the airport lounge access:
- A customer who was assigned Platinum Tier in January and April of the same calendar year will both be entitled to 12X lounge access each (valid till 31 December of the same calendar year).
- A Gold Tier customer has been upgraded to Platinum Tier in the August. Starting August, the customer’s airport lounge utilisation will include an additional 4X access (valid till 31 December), on top of the 8X they were entitled to when they were a Gold Tier customer.
- A Platinum Tier customer has downgraded to Gold Tier in September. Starting September, the customer’s airport lounge utilisation will reduce to 8X entries (valid till 31 December). If the customer has fully utilised the 8X lounge entries by the time they were downgraded to Gold Tier, the customer will only be able to enjoy complimentary lounge accesses upon renewal, which will be on 1 January of the following year.
Please refer to this page for more information.

Terms and Conditions:

AmBank SIGNATURE Priority Banking (“AmSPB”) Beyond Privileges (Tiered Rewards) Programme T&C (Eng)

AmBank SIGNATURE Priority Banking (“AmSPB”) Beyond Privileges (Tiered Rewards) Programme T&C (BM)

Specific Terms and Conditions for AmBank SIGNATURE Priority Banking (“AmSPB”)

Plaza Premium Lounge Access Terms and Conditions

LoungeKey Lounges Access Terms and Conditions