Alliance Bank MasterCard Gold credit card

Also available as Visa

Alliance Bank MasterCard Gold

Swipe your way to your dream vacation with this card! Earn up to 2x Timeless Bonus Points and free air miles will be yours sooner than you think!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6% p.a. balance transfer over 18 months
  • Easy Payment Plan (EPP)
  • RM156.88 annual fee
  • Earn up to 2x reward points 

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 Gold

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Because you should be rewarded for giving the bank your business

Grab more reward points when you swipe on your utility bills, or when you're on holiday. You'll find a tonne of ways to reward yourself with Alliance Bank's reward catalogue and flyer miles exchange. Not applicable for petrol charges and government agency payments.
Alliance Bank Timeless Rewards
2 points on every RM1on all utility payments
2 points on every RM1on Overseas retail
1 point on every RM1on all local spending
Rewards points earned never expires
Balance Transfer
Stop stacking up credit debt with a simple balance transfer to better help you manage interest rates from piling up and have flexible repayment 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)
Plan ahead on your purchases with a Flexible Payment Plan so you won't be caught paying credit card fees on the shopping goods you can't afford. One time upfront payment not exceeding 8% of total.
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
Swap your Timeless Bonus Points for Enrich Miles, you'll earn 1000 miles for every 6000 points you redeem. Also exchangeable for AirAsia BIG Points, get 1000 miles for every 3000 bonus 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 Gold review

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

No point prolonging the inevitable, it may be time for get your very own credit card if you still don't have one yet. Alliance Bank MasterCard Gold is a basic starter card that you could start with if you're still on the fence, with no annual fees for the first 3 years. 

Enjoy easy payments at the cashier, and convenient online bookings with a 20-days interest free period to settle these charges. Apply online if you meet the minimum salary requirements of RM2,000 a month.

More Rewards

Alliance Bank MasterCard Gold comes with more perks than just ease of payment. Introduce yourself to Alliance Bank Timeless Rewards programme as extra incentive to keep all your payments cashless.

Make your payments at the cashier and online with your credit card an get 1 Timeless Reward Point for every 1 RM that you spend. Collect these points and redeem them for exciting gifts to get a lil’ extra on your purchases.

Low Interest Rates

It’s not always a good idea to buy too many things on credit, but Alliance Bank eases the costs by offering interest rates starting at 13.5% p.a. To qualify you’ll have to pay your credit card bills on time and regularly through the year.

20 Days Interest Free

More financial flexibility with your gold MasterCard – swipe first and repay what you owe within the next 20 days for 0% interest charges. This grace period is perfect for costly emergencies, whether it’s a car repair or an unexpected medical bill before the end of the month when the salary cheques clear.

Credit Card Services

Owning an Alliance Bank credit card comes with special credit features that would otherwise not be available to you, including:

  • Alliance Bank Balance Transfer Plan – grab special low interest rates when you move your outstanding credit from another bank to your MasterCard Gold
  • Alliance Bank Flexible Payment Plan – extend your repayment period for items bought with your MasterCard Gold at even lower interest rates
  • Alliance Bank FastCash – get cash withdrawals using your MasterCard gold at interest rates as low as 5.99% for up to 36 months

Apply Requirements

Any Malaysian above the ages of 21 with a steady income and good credit rating can apply, provided that you do not owned more than one existing credit card. Supplementary card holders have to be at least 18 years of age to apply.

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