Alliance Bank MasterCard Classic credit card

Also available as Visa

Alliance Bank MasterCard Classic

Earn your way to free air tickets from Malaysia Airlines and Air Asia wherever you swipe. Book your next holiday with reward points that never expire!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6% p.a. balance transfer over 18 months
  • Easy Payment Plan (EPP)
  • RM72.08 annual fee
  • Earn up to 1x reward point 

Get A Free Barry Smith Luggage Bag With Your New Alliance Bank Credit Card!

Get A Free Barry Smith Luggage Bag With Your New Alliance Bank Credit Card!

Apply online now for Alliance Bank MasterCard Classic

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Alliance Bank MasterCard Classic

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Alliance Bank website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Cash in on amazing rewards for every Ringgit that you spend, from the latest electronics, personal grooming and exclusive vouchers. Only for retail spending, you won't earn points for petrol and government agencies transactions.
Alliance Bank Timeless Rewards
1 point on every RM1on all local and overseas spending
Rewards points earned never expires
Balance Transfer
Start tomorrow on a better note with lower interest rates on your credit balance. Alliance Bank Balance Transfer offers rates starting at 6% interest p.a. and flexible payment terms up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6% p.a. and no one-time upfront handling feefrom RM1000 
24 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Break up your retail purchases into monthly instalments and save on credit card fees. Alliance Bank Flexible Payment Plan offers payments terms of 6, 12, 18 and 24 months!
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5.5% one-time upfront handling feefrom RM500 
18 months7% one-time upfront handling feefrom RM1000 
24 months8% one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Flexible Payment Plan
Go cashless anywhere you are with this globally accepted credit card. Convert your Timeless Bonus Points for flyer miles: for every 6000 bonus point you'll earn 1000 Enrich Miles, 3000 bonus points will earn 1000 AirAsia BIG Points.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only


Get some extra help from your credit card when you need it most

Easy Payment Plan
Alliance Bank Flexible Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Alliance Bank FastCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Alliance Bank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Alliance Bank MasterCard Classic review

What's so good (or not so good) about it?

Go cashless with a basic MasterCard that gives back rewards whenever you spend. Handle your payment transactions with easy swipes and convenient online payments while you collect points for your next holiday getaway!

Timeless Bonus Points

Grab a little something from the bank for going entirely electronic with your payments. Alliance Bank MasterCard Classic gives you Reward Points equal to every Ringgit that you charge to it – with the exception of petrol or charges and fines from government agencies.

Your Alliance Bank Timeless Points will be tallied and added to your account. And since they’ll never expire (they are timeless afterall), you can save them up to redeem anything you want from Alliance Bank’s Rewarding Treats including flight tickets, vouchers and more!

Low Interest EPP

Don’t let swiping for something that you can’t afford with your credit card become a regular occurrence. But you can ease the damage with Alliance Bank Easy Payment Plan. How does this credit card service work?

For select items above at RM500 in value, you can add them to this EPP programme by contacting Alliance Bank after the purchase has been made. Choose a repayment tenure between 6 and 20 months, and pay a one-time handling fee as low as 2.5%.

Annual Fee Waiver

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

Sign up family members with their own supplementary card for a small fee of RM21.20 plus GST annually. Keep track of everyone’s spending with easy online management, and manage each supplementary card’s credit limit individually – so you don’t blow up the credit limit of your primary account.

Apply Requirements

It’s easy to apply online! Regular income earners with a minimum income of RM24,000 annually, or RM2000 a month and at least 21 years of age can apply. Credit card approval will also depend on your credit rating – that means paying all loans and previous credit card bills in a timely manner.

Read More