Alliance Bank MasterCard Gold credit card

Also available as Visa

Alliance Bank MasterCard Gold

Travel for free with Alliance Bank MasterCard Gold. Earn up to 2x Timeless Bonus Points when you spend on retail and utility, then convert them to air miles!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 6 months
  • RM148.00 annual fee
  • Earn up to 2x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Charge RM1 retail purchases, locally and overseas, to Alliance Bank credit card, earn up to 2x Timeless Bonus Points.
Timeless Bonus Points
2 points on every RM1on all overseas retail spends
1 point on every RM1on all local retail spends
Rewards points earned never expires
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 months2.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
24 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
48 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Convert rewards points into air miles to enjoy a cheaper or free flight ticket. Only 6,000 TBP for 1,000 Enrich Miles from Malaysia Airlines and 3,000 TBP for 1,000 BIG Points from AirAsia.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for 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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
100% of total amount


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


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

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?

Enjoy Timeless Bonus Points with Alliance Bank MasterCard Gold

Alliance Bank MasterCard Gold comes with more perks than just ease of payment: the Timeless Bonus Points, which is an incentive to keep all your payments cashless.

For every RM1 charged to your Alliance Bank credit card, you will get 1x TBP on retail purchases made locally; 2x TBP for retail purchases overseas.

The best part about TBP is that it is non-expiry. So, spend more and take your time to reap the benefit.

Annual Fee Waiver

Enjoy an annual fee waiver for the first year, on the house. 

Whereas for the second year onward, you can get your Alliance Bank credit card's annual fee waived by spending a minimum RM5,000 in a year or swipe 1 time a month for up to 12 months.

Alliance Bank Gold Credit Card Airline Miles Redemption

What can you do with a load of rewards points? Redeem air miles to enjoy free flights from Malaysia Airlines and AirAsia. 

Under Alliance Bank’s Airline Miles Redemption, you can convert 6,000 TBP to 1,000 Enrich Miles to fly with our national steel bird, Malaysia Airlines. 

On top of that, you can convert 3,000 TBP to 1,000 BIG Points as well. 

20 Days Interest-free

More financial flexibility with your Alliance Bank MasterCard Gold – swipe first and repay what you owe within 20 days at 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.

Alliance Bank MasterCard Gold Credit Card Services

Owning an Alliance Bank credit card comes with flexible credit lines that you can use when the desperate time calls for desperate measure:

  • 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 FastCash – get cash withdrawals using your MasterCard Gold at low-interest rates for up to 36 months
  • 0% Instalment Payment Plan at participating merchants
  • Cash Advance of up to 100% of your credit card limit.

Alliance Bank MasterCard Gold Finance Charge

What is 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, the 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

The finance charge is now based on the prevailing tiered interest rate (above) that 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 Fees and Charges include:

  • 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 MasterCard Gold are carried forward from the previous month's statement cycle are paid in full.

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