Enrich Points: sources and checks
Start with two AmBank co-brand cards. These earn Enrich Points directly; other bank reward currencies need their own conversion rules.
Open Enrich calculatorBank-checked earning rules
| Category | Platinum | Infinite |
|---|---|---|
| Foreign-currency / eligible Malaysia Airlines purchases | RM3 per point | RM2 per point |
| Eligible local / other airlines | RM7 per point | RM6 per point |
| Eligible local education, insurance and utilities | RM13 per point | RM12 per point |
Education, insurance and utility points share an 8,000-point statement-cycle cap. Petrol, e-wallet reloads and specified financial/government payments are excluded. Points are rounded per transaction by the bank; monthly budgets can only approximate this.
Fees and eligibility
Platinum: minimum annual income RM24,000 and no annual fee. Infinite: RM100,000 minimum annual income; RM500 annual fee, with 50% renewal waiver from RM50,000 annual retail spend and full waiver from RM100,000. Both require Enrich membership. SST is modelled separately.
The Infinite first-year fee campaign requires approval between 1 July 2026 and 30 June 2027. It is applied only when you confirm eligibility and choose the first card year.
What remains partial
Current product pages and the bank FAQ were checked on 12 November 2026. Full PDS/reward-contract coverage and fee-waiver spend exclusions still need confirmation. The calculator labels these as partial estimates.
| Coverage | What to provide | Status |
|---|---|---|
| AmBank Enrich Platinum and Infinite | Current full product disclosure sheet and complete reward T&Cs; per-transaction examples; annual fee-waiver eligible-spend exclusions | Product pages and current bank FAQ checked; monthly aggregate rounding remains approximate |
| Other Enrich-convertible cards | Exact card version; points earned by category; current bank-points-to-Enrich conversion; minimum transfer block; pool/quota; conversion fee; expiry and eligibility | Not added to rankings until supported |
| Points-to-RM value | A real redemption: cash fare, points required, taxes/fees payable and seat availability | User valuation only; no fixed market value assumed |
| Promotions | Official campaign terms, application/approval/spend dates, eligible applicants/cards, reward pool and registration steps | Never count a lucky draw as a guaranteed reward |
Download verification gaps (CSV)
Sources
- AmBank Enrich Platinum
- AmBank Enrich Infinite
- Bank FAQ and fee/points rules
- Malaysia Airlines partner confirmation
- RinggitPlus rate-change cross-check
Comparing points with cashback
Compare points within the same airline programme first. To estimate RM value, use your own redemption value: (equivalent cash price − taxes/fees you still pay) ÷ points required. Availability and unused points can reduce the value. A headline point balance is not cash.