Alliance Bank MasterCard Classic

Collect reward points with every Ringgit spent and redeem air miles from Malaysia Airlines and AirAsia. Get annual fee waiver when swipe at least 12 times in a year.

Alliance Bank MasterCard ClassicWaive your annual fee
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Spend with Alliance Bank MasterCard Classic in Malaysia and overseas because for every Ringgit swiped on retail transaction, you earn 1x Timeless Bonus Point.

Alliance Bank Timeless Rewards
1 point on every RM1on all local and overseas spending


Convert rewards points into air miles to enjoy a cheaper or free flight ticket to any destination. Only 6,000 TBP for 1,000 Enrich Miles from Malaysia Airlines.

Balance Transfer

Enjoy low interest rates and flexible repayment terms up to 24 months when you transfer a minimum outstanding balance of RM1,000 into Alliance Bank credit card.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3,000
12 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
18 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Alliance Bank Balance Transfer Plan

Fees & Charges

Annual Fee
  • RM68 primary card

    Free for first year

    Waived when you spend RM5,000 or swipe 12 times each year

  • RM20 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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RM15 or 5% of withdrawn amount, whichever is higher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 80%


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Cash Advance / Cash Loan
Alliance Bank FastCash
Get the money you want when you need it with the Alliance Bank FastCash plan
Balance Transfer Plans
Alliance Bank Balance Transfer Plan
Switch to the Alliance Bank Balance Transfer Plan to enjoy low interest rates starts from 9.88% p.a. when you transfer a minimum of RM1,000. You can even earn reward points on your transferred balance.


Go cashless with Alliance Bank MasterCard Classic, which is recognized and accepted worldwide. Handle your payment conveniently via Pin & Pay or contactless method, and collect reward points effortlessly!

Annual Fee Waiver

Nobody likes paying annual fee on their credit card, that’s why Alliance Bank is offering an annual fee waiver when you charge RM5,000 to your MasterCard Classic in a single year, or make one transaction each month for 12 consecutive months.

Sign up family members with their own supplementary card for a small fee of RM20 annually. Keep track of everyone’s spending with easy online management, and manage each supplementary card’s credit limit individually.

Timeless Bonus Points

For choosing a credit card payment method when you make retail transactions, you will be rewarded with a loyalty point. Just charge minimum RM1 to your Alliance Bank credit card, locally and overseas, you earn 1x Timeless Bonus Point.

This loyalty points will be credited into your account every month. That’s not all, the Timeless Bonus Points never expire. So, you can keep collecting them to redeem anything you want from Alliance Bank's rewards catalogue.

Air Miles Redemption

It's not common for a classic credit card to reward air miles like what Alliance Bank MasterCard Classic does. In partnership with Malaysia Airlines and AirAsia, you could be flying on either or both airlines for free, courtesy of Airline Miles Redemption.

Here's how it works: for every 6,000 TBP you have collected on your MasterCard Classic, you can convert to 1,000 Enrich Miles.

Credit Facilities

There are more than one flexible credit lines you can use from this credit card:

  • Balance Transfer Plan
  • 0% Instalment Payment Plan
  • FastCash instalment plan