Alliance Bank Business Platinum MasterCard

Extra savings on each business transactions with a platinum MasterCard that gives you an extended interest-free period and cashback on all purchases.

Alliance Bank Business Platinum MasterCardMore Cashback Rewards
Min. Income
Annual Fee
up to 1.25%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
26 days


Extra savings all year round when you swipe with your Alliance Bank business credit card. Enjoy 1.25% cash rebates on your total monthly purchases every month and an exceedingly high cap.

Cashback categoryCashback rateMonthly capSpend
All Retail1.25%RM2,500from RM1 up to RM200,000 monthly


Travel easy with complimentary Plaza Premium Airport Lounge access at KLIA whenever you're going places for business. Terms and conditions apply for this access pass.


Extend your charge free period up to 56 days on all purchases, or sign up for a 13% cash rebate for your total interest paid each year.

Easy Payment Plans

Pay less interest on company purchases and as low as 0% when you sign up for this special flexipay plan. Minimum amount of RM500 is required and instalment periods up to 12 months.

Fees & Charges

Annual Fee
  • RM438 primary card

    Free for life

  • RM188 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 75%


Minimum Annual Income
Who can apply
  • Any Business


Easy Payment Plan


Made with small and medium enterprises in mind, the Alliance Business Platinum MasterCard is tailored to offer both flexibility and convenience to manage the expenses of running a business.

Extra Savings and More Options with Alliance Bank Business Platinum MasterCard

Owning a small business can be hard especially if you are denied the ability to open up a line of credit. 

With the Alliance Business Platinum MasterCard however, you are granted a line of credit both as working capital and a readily available payment tool.

It allows your business to have flexible cash flow with a minimum credit limit of RM10,000, up to a maximum of RM250,000.

The Alliance Business Platinum MasterCard also gives you more savings by waiving the annual fee for cards registered to your business or company.

Annual fees for cards registered to a company nominee is waived.

More Cashback

It’s true that the Alliance Business Platinum MasterCard offers you the greatest savings, but it also offers great cash backs when you spend more.

Small businesses can be costly, but now when you spend between RM 1 and RM 200,000 you are entitled to the cashback rate of 1.25%. Earn up to RM2,500 cashback the more you spend.

Alliance Bank Business Platinum MasterCard, Helping your Business

Sign up for the special Flexipay plan to spend less on interest and more on the growth of your business by converting your purchases into smaller monthly installments.

With the minimum amount of RM500 you can choose payment periods between 3 and 12 months, benefiting from interest rates as low as 0%.

Unlike other credit cards that give you a 20-day interest-free period to settle all payments, with Alliance Business Platinum MasterCard you are given the option of extended interest-free periods up to 56 days.

Or swap this interest-free extension for a 13% cash rebate on your total interest paid that year. 

This is a great option when meticulously prompt payments are your specialty.

Added Benefits

Like the gift that keeps on giving, the Alliance Business Platinum MasterCard offers you complimentary Plaza Premium Airport Lounge access at KLIA. 

So, travelling for business just got a whole lot more exciting.

Travel perks aside, for a business owner who is inspired by ownership and would like a branding opportunity, this card has a customisation feature just for you.

For the small sum of RM106, you can personalise your credit card with your company logo. 

All you need to apply for this card is an annual income of RM60,000 and you’re good to go.

Alliance Bank Business Platinum MasterCard Finance Charge

What are the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (Per Annum)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%

Previously, finance charge is only imposed on the below that are not paid after the payment due date:

  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date

Finance charge is now based on the prevailing tiered interest rate (above) will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are settled in full.

All Fess and Charges includes:

  • Retail Transactions
  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges

Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.

This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.

In fact you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances of your Alliance Bank Business Platinum MasterCard carried forward from the previous month's statement cycle are paid in full.