Membership Guide

Dear Esteemed Cardholder,

Congratulations. In making the AmBank SIGNATURE Priority Banking Visa Infinite Credit Card your card of choice, you have joined an elite circle of individuals who have come to appreciate the privileges and features accorded by this card. It is a pleasure to welcome you into this private realm where our every effort is directed at meeting your lifestyle needs.

The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card membership experience is best realised with use. Always look to your card to bring you the finest in product offerings and rewards so you may accomplish more at work, travel and leisure. You will be pleasantly surprised at how often it will surpass your expectations.

This booklet serves as a valuable resource on what the AmBank SIGNATURE Priority Banking Visa Infinite Credit Card has in store for you. You may choose to learn more about your membership by calling your dedicated Relationship Manager or our dedicated Priority Line at +603 2178 6600. In addition, you’re also privy to the 24-hour Global Concierge Service provided by Visa Concierge, which allows you to enjoy bespoke experiences across the world.

We are here to take your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card experience to a whole new level.

Yours truly,

Aaron Loo Boon Seng
Managing Director, Retail Banking

The AmBank SIGNATURE Priority Banking Visa Infinite Credit Card was created with you as our inspiration. Your lifestyle of refined preferences be it at home, work, travel or leisure helps define the features and privileges we offer. Your expectations set the bar for the exceptional services detailed here within and for the finesse in which they are delivered.

“Excellence, then is not an act, but a habit.”

- Aristotle,
Greek Philosopher

As an individual driven by success, precision in an accomplishment is very much second nature to you. Having prompt and adept access to relevant services allows you to maintain your position of advantage in every situation. Recognising this need, your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card offers a comprehensive suite of banking, corporate and personal services designed to anticipate and facilitate your requirements for almost any purpose you may pose.

Exclusive SIGNATURE Priority Banking Services

As an AmBank SIGNATURE Priority Banking Visa Infinite Cardholder, you will have at your disposal the services of a Personal Relationship Manager who is committed to understanding the finer details of your individual financial circumstances and investment goals.

Managing the financial aspects of your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card is simplified with services such as:

• Online banking services which give you immediate access to your Card account and activities.
• Instant cash withdrawals that can be made on your Card at Automated Teller Machines (ATM) bearing PLUS (Visa) logo or affiliated banks and financial institutions worldwide.
• Monthly statement detailing your transactions providing you with an overview of your Card activities.

Additionally, you will also enjoy the following unique benefits and privileges of AmBank SIGNATURE Priority Banking:

• Access to AmBank SIGNATURE Priority Banking Centres.
• Invites to exclusive lifestyle and investment events.
• Preferential rates on foreign currency exchange and transactions.
• Preferential rates and green lane approvals for selected financing products such as Hire Purchase and Mortgage.
• Priority access to over-the-counter services.

CONCIERGE SERVICES

The confidence of knowing that should the need arise, wherever you are in the world, you will be attended to promptly, with the highest leveI of professionalism and be accorded the incomparable prestige you deserve is the distinction your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card strives to earn with its concierge services. Presented in association with Visa Concierge Services respectively, it prides itself on its repertoire of immaculate services that delivers with excellence. Staffed around the clock by professionals supporting all major Asian languages, the services are accessible via toll-free numbers from anywhere in the world. It may be merely information you require, or a wish to take a gastronomic journey in an exotic city or emergency assistance when things do not go as planned, you can be assured you will be well pleased with how superbly your requests are met.

A current comprehensive list of the concierge services which by no means is exhaustive is made available to you at the end of this booklet.

“We're here to put a dent in the universe. Otherwise, why else even be here?”

- Steve Jobs,
Co-founder of Apple

Your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card rewards you in a number of ways. Its seamless payment CASHBACK procedure ensures that you enjoy control and convenience, with prompt monthly billing and multiple payment options.

• Exclusive Dining and Shopping privileges

As a privileged member, you enjoy Cashback on dining and on retail purchase from your favourite stores.
Find out more from www.ambank.com.my/AMSPBVICC.

• Supplementary Cards

The gift of being a Supplementary Cardholder of your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card we believe is a privilege you should reserve for your closest and dearest. Give the pleasure of this Card membership to those who truly deserve it and enjoy no annual fees on your first three (3) Supplementary Cards.

• AmBonus Points

Receive 1 AmBonus Point for every ringgit you charge to your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card in Malaysia. To make shopping overseas even more attractive, your Card gives five (5) AmBonus Points when you charge your overseas purchases to it. For greater relevance to your lifestyle, we have made it possible for your accumulated AmBonus Points to be exchanged for miles of your preferred airline. You also have the option of redeeming your points against a catalogue of personal items, vouchers, home gadgets and electrical appliances that make great gifts for yourself or a friend on any occasion. Alternatively, you can use our on-the-spot redemption at participating merchants. Visit ambankspot.com for further details.

• Flexible Payment

Your Card is designed to give you the most in more ways than one. You will find services such as our 0% Easy Payment Plan of up to thirty six (36) months, Balance Transfer with great gifts of electronic devices and flexible payment options for your purchases.

• Auto Billing

Be rewarded with convenience and more time for family and leisure by opting to pay your utility, telecommunication and other service bills with your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card especially as it can be done from the comfort of your home.

• Monthly Statement

All your Card transactions, rewards points status and Card balances are provided to you in a detailed monthly statement. You may choose to receive your secured monthly statement electronically to a designated email address or have a hard copy of the statement sent to your nominated mailing address at a fee.

• Payment Methods

There are multiple options for you to make your Card payments conveniently. You may choose to pay via our AmBank online banking, by cash at AmBank’s network of shared branches nationwide or at our eBanking Centres.

“There is no love sincerer than the love of food”

- George Bernard Shaw,
British Socialist & Nobel Prize Winner 1925

Relish the knowledge that your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card is your passport to some of today’s most exquisite dining experiences. From gourmet selections, to fast food restaurants to local cafes, your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card celebrates the best in delectable delights with exciting dining privileges that are presented as promotions throughout the year as well as constant privileges as detailed below:

• 1 FOR 1 Dining Deals

Enjoy exclusive 1 FOR 1 Dining deals and embark on an exceptional culinary journey. Find out more information at www.ambank.com.my/AMSPBVICC

• Club Marriott Malaysia Privileges

A complimentary Club Marriott Malaysia membership is available with your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card. This Membership card presents you benefits for dining and accommodation at participating hotels.

- Dining Benefits:

For All Participating Hotels in Malaysia - E-Vouchers Offer:

• 1 x Complimentary Birthday Celebration Cake. (Non-transferable)
• 3 x 50% OFF Group Dining Vouchers valid for 4 - 12 people for lunch or dinner. (Transferable)
• 1 x Complimentary Buffet Lunch or Dinner for 2 people valid at any of the All Day Dining restaurants. (Non-transferable)

For All Participating Hotels in Malaysia - Core Offer:

• 35% OFF total Food & Beverage bill at All Day Dining restaurants for up to 20 people.
• 30% OFF total Food & Beverage bill at all other restaurants for up to 20 people.

For All Participating Hotels Across APAC:

• Up to 20% OFF Total Food & Beverage bill for up to 10 people unless stated otherwise.

- Accommodation Benefits:

For All Participating Hotels in Malaysia:

• 20% OFF Best Available rate for all room categories across all participating hotels in Malaysia.

For All Participating Hotels Across APAC:

• Up to 20% OFF Best Available Marriott rate at all participating hotels in Asia. Subject to availability, terms and conditions apply.

For a complete list of participating hotels outside of Malaysia, kindly check our website at www.myclubmarriott.com

To sign up for the membership, please go to www.ambank.com.my/cmm A Welcome Email will be sent by Club Marriott Malaysia to Cardholder’s email within seven (7) working days upon successful sign up. Cardholders may then download the Club Marriott Malaysia App via the Apple App Store or Google Play and enjoy the benefits!

*Asset Under Management (AUM). Please visit www.ambank.com.my for AUM definition.

In the event of any inconsistency between the information or Terms and Conditions in this Welcome Booklet and AmBank’s website, the information or Terms and Conditions on AmBank’s website www.ambank.com.my shall prevail.

“Though we travel the world over to find the beautiful, we must carry it with us, or we find it not.”

- Ralph Waldo Emerson,
American Philosopher & Essayist

Travelling with your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card ensures you spend less time at the airport, as well as enjoy more comfort and convenience between flights.

• Immigration Fast-Track Services (For AmBank SIGNATURE Priority Banking Visa Infinite Credit Card only)

Long queues at immigration counters will be an inconvenience you will never have to put up with again. Your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card Immigration Fast-Track Services helps you eliminate the unnecessary delay that comes with clearing immigration. This fee-paying service which you enjoy discounts on published rates will have you met at the aerobridge of the designated airport and escorted through immigration for these priority services as detailed in the table.

For immediate booking, log on to www.AirportSpeedPass.com

Booking must be made at least seventy two (72) hours prior to commencement of travel. Programme is valid for a limited time only.

• Access to Airport Lounges

Waiting between flights is probably something you do not look forward to. However, being able to enjoy the comforts of Plaza Premium Lounges at selected international airports worldwide, a luxury afforded by your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card, means you could spend the time to catch up with family, hold a work discussion or simply to unwind.

*Asset Under Management (AUM). Please visit www.ambank.com.my for AUM definition.

Lounge Benefits:

All-day food & beverage | Business Centre with Wi-Fi | Internet access | Comfortable seating area | Television, newspaper & magazines | Shower with amenities

Cardholders are entitled to access the lounge only once per day.

Cardholders are required to present the AmBank SIGNATURE Priority Banking Visa Infinite Credit Card with a valid boarding pass upon entry to the lounge. Please visit www.ambank.com.my for the list of participating lounges and the full terms and conditions.

• Frequent Flyer / Travel Reward Programmes

Making purchases using The Metal is most rewarding. It earns you AmBonus Points, which can be redeemed for miles with world class Frequent Flyer / Travel Reward Programmes from Enrich, Asia Miles, Singapore Airlines KrisFlyer, or AirAsia BIG. Your miles can then be redeemed for flights on a selection of over 50 airlines worldwide.

For an updated list of airlines, please visit the respective Frequent Flyer / Travel Reward Programmes website.

• malaysiaairlines.com
• asiamiles.com
• krisflyer.com
• airasiabig.com

• 10x AmBonus Points on Overseas Spend

If it is retail therapy that you seek when you travel, The Metal is the ideal companion. In addition to bringing you some of the best deals from fashion capitals worldwide, it also rewards you with 10x AmBonus Points every time you make a purchase abroad. The attractions of shopping overseas are many, but The Metal has just made it even more irresistible.

• Travel Protection of up to RM2 million

As a premium class traveller, you appreciate the need for travel protection with an extensive coverage. You will be pleased to note that charging your travel tickets to The Metal makes you eligible for automatic travel protection of up to RM2 million. Your spouse and children from the age of 5 years to 17 years travelling with you are similarly protected.

In addition to protection on your life, your travel insurance also covers:

Missed Flight Connections

In the event you miss a connecting flight as a result of a delay on your incoming flight and there are no alternative flights within 4 hours, your hotel accommodation and meals charged to your Card will be indemnified up to Ringgit Malaysia Three Thousand (RM3,000). Your spouse and children, if with you, are also eligible for a combined claim of up to Ringgit Malaysia Six Thousand (RM6,000).

Delayed Flights

If you experience more than a 4-hour delay on your scheduled flight, you enjoy indemnity for hotel accommodation and meals charged to your Card of up to Ringgit Malaysia One Thousand (RM1,000) and up to a combined limit of Ringgit Malaysia Two Thousand (RM2,000) for your spouse and children joining you on the trip.

Delayed Luggage

If your checked-in luggage is delayed and does not arrive for more than six (6) hours after your arrival, you, your spouse and children will be indemnified for purchase of essential clothing and personal requisites charged to your Card for a combined limit of up to Ringgit Malaysia Six Thousand (RM6,000).

Loss of Luggage

In the circumstances you do not receive delivery of your checked-in luggage within forty eight (48) hours of your arrival at your destination, the luggage is deemed lost. You will be indemnified for up to a combined limit of Ringgit Malaysia Twelve Thousand (RM12,000) to cover you, your spouse’s and children’s purchase of essential clothing and personal requisites charged to your Card within five (5) days of your arrival.

“The best customer service is if the customer doesn't need to call you, doesn't need to talk to you. It just works.”

- Jeff Bezos,
Founder of Amazon

You can be assured that your best interest is served at all times when you use your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i. Your Card carries protective and security measures that give you confidence and peace of mind when using your card at home and abroad.

• Zero Liability on Lost / Stolen Card

In the event your Card is lost or stolen; please inform us as soon as it happens. Reporting the loss or theft of your Card immediately exempts you of any new unauthorised charges made on the Card.

• Online Usage Protection

To minimise the risk of fraudulent transactions especially when using your Card online, we have enhanced protection on your Card through our online usage security feature AmBank 3D Secure. No registration is required and it is FREE!

• Travel Protection

Enjoy automatic travel protection coverage of up to Ringgit Malaysia Two Million (RM2,000,000) for you and your family when the purchase of your travel tickets is made with your AmBank SIGNATURE Priority Banking Visa Infinite Credit Card. A more detailed description of the protection offered is provided for you in the Travel section of this booklet on Page 15.

EXTRAORDINARY EVERYDAY

Visa Concierge is a 24/7 digital personal assistant and lifestyle guide, allowing you to access extraordinary experiences each and every day through a curated range of service, amenities and exclusive privileges - all within the app.

Book & Plan - Curate adventures from the palm of your hand

Explore and self-book an experience to create your perfect day - from a dinner reservation to a relaxing spa or golf day to sports and family activities.

City Guides - Explore the wonders of your homeland

Making it possible for you to discover the best of your home country with ‘off the beaten track’ guides for new adventures and activities, right on your doorstep.

Emergency Support - Medical services and helplines across the world

Worldwide assistance for accidents and medical emergencies, wherever you may be*. (*Travel and medical services applicable when a customer travels more than 150km from their residence within their home country or country of residence for periods not exceeding ninety (90) consecutive days per trip. Please contact a Visa Concierge consultant for more information.)

Global Access - Extraordinary experiences in 500 cities

Unique access to live cultural and sporting events including virtual and outdoor experiences to make the rest of the world feel that little bit closer.

Discover, reserve and book the offers you want, when you want.

Stay informed on the status of your bookings, itineraries and service requests.

24/7 assistance for your bookings and emergency needs.

AmBank (M) Berhad 196901000166 (8515-D)

A member of the AmBank Group

Card Centre: P. O. Box 12938,
50794 Kuala Lumpur, Malaysia.

Priority Line: 03-2178 6600
Website: ambank.com.my