Overview of Alliance Bank Credit Cards in Malaysia
Alliance Bank offers end-to-end banking and financial solutions through its consumer banking, Islamic banking, SME banking, wholesale banking, investment banking and stockbroking businesses.
Alliance Bank Credit Card Campaign FAQs:
For a limited time, qualified applicants of eligible Alliance Bank credit card(s) will receive a free sign-up gift of either of the following.
- Apple iPhone 17 Pro (For every 20th qualified applicant who meets the requirements, with or without Balance Transfer/ Fast Cash, based on the Bank's approval list, capped at 3 units)
- RM200 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicant who meets the requirements, with Balance Transfer/ Fast Cash, based on the Bank's approval list)
- RM100 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicant who meets the requirements, without Balance Transfer/ Fast Cash, based on the Bank's approval list)
This promotion runs from 15 December 2025 until 29 December 2025, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing primary cardholders of an Alliance Bank Credit Card and those who have cancelled any of their credit cards issued by the Bank in the last 7 years from the date of application are not eligible.
How to be eligible for the gift?
Apply, get approved by Alliance Bank, activate your card before 28 January 2026 (11:59 PM), with a Balance Transfer/ Fast Cash application approved by the Bank before 27 February 2026 (11:59 PM), and subsequently make a total spend of RM300 in retail transactions by 27 February 2026 (11:59 PM) to be eligible.
For more details, please check out the terms and conditions.
Which credit card(s) can I apply for?
You can apply for:
- Alliance Bank Visa Platinum Credit Card
- Alliance Bank Visa Signature Credit Card
- Alliance Bank Visa Infinite Credit Card
- Alliance Bank Visa Virtual Credit Card
Where can I reach out for more information?
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
What are the features and benefits of an Alliance Bank credit card?
Each Alliance Bank credit card comes with its own features and benefits. We've listed some of them as follows:
- Alliance credit cards offer high credit limits
- No annual fee when you spend a minimum of RM5,000 or swipe your Alliance credit card 12 times within 12 months
- Enjoy discounts and a 0% instalment payment plan at participating merchants
- 24-hour customer service
- Zero charges for a lost card
- Attractive Three-Year Bonus Points (TBP)
- Low minimum repayment (minimum 5% of the outstanding balance or RM50)
- Worldwide recognition and acceptance
Alliance Bank Balance Transfer – Low Interest, Flexible Payments
Looking for a low-interest balance transfer in Malaysia? The Alliance Bank Balance Transfer Plan helps you consolidate your credit card debt into a single repayment with lower interest rates. This means smaller monthly payments, flexible repayment options, and significant interest savings over time.
With a balance transfer, you can reduce financial stress, clear debt faster, and take control of your finances. Instead of managing multiple high-interest credit cards, simplify your payments with an affordable and structured repayment plan.
Alliance Online Banking – Easy, Secure and Convenient
Alliance Online Banking makes managing your money simple and hassle-free, whether you’re checking your account balance, transferring funds with DuitNow or IBG, paying bills via JomPAY, or handling your Fixed Deposits (eFDs).
First-time users can sign up easily online using their ATM or debit card, without needing to visit a branch. Security is a top priority, with multi-factor authentication ensuring your transactions stay safe.
Alliance Online Banking gives you full control over your finances anytime, anywhere—straight from your phone or laptop.
What type of Alliance Bank credit card is suitable for me?
Several types of Alliance cards will cater to your needs. Whether you want to save more when shopping, or a businessman, or simply love rewards, find and compare Alliance credit cards on RinggitPlus.
Alliance cashback credit card:
Shopping for necessities gets more rewarding as you can get up to 5% cashback with an Alliance Bank Visa Signature card.
Earn up to 1.5% cashback monthly on the company and overseas purchases. You can also opt for Alliance Bank Three-Year Bonus Points instead of the cashback.
Alliance rewards credit cards:
Enjoy up to 8X Three-Year Bonus Points when you spend on all of your online transactions and E-Wallet reloads.
Enjoy PLATINUM benefits and earn 8X Three-Year Bonus Points for your everyday online spending and E-Wallet reloads.
Enjoy 8X Three-Year Bonus Points for every Ringgit spent on online shopping and reloading e-wallets. Contactless transactions, entertainment, auto-billing and other retail transactions get you 1X TBP.
No annual fees for life, instant approval, and a Dynamic Card Number (DCN) feature that changes every 30 minutes for extra security, this card is a great choice—especially if you’re applying for your first credit card.
Alliance Bank credit card fees, charges and interest rates in 2025
| APPLY FOR ALLIANCE BANK CREDIT CARD - ELIGIBILITY | |||
| Age of Principal Cardholder | DOCUMENTS TO APPLY FOR ALLIANCE BANK CREDIT CARD | ||
| Salaried Employee | Self-Employed | ||
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✔ Copy of your IC (both sides)
✔ Latest 3 months' bank statements ✔ Latest 3 months' salary slips ✔ Latest BE Form with an official tax receipt |
✔ Copy of your IC (both sides)
✔ Copy of Business Registration Certificate ✔ Latest 6 months company's bank statements ✔ Latest B Form with an official tax receipt |
||
What travel perks can I get with an Alliance Bank credit card?
With an Alliance Bank credit card, especially the Visa Infinite, travelling becomes much more rewarding!
You can split big travel expenses like flight tickets, hotel stays, and international purchases into manageable payments with the 0% Flexi Payment Plan.
For frequent flyers, you'll enjoy free lounge access at participating Plaza Premium Lounges worldwide, including Kuala Lumpur International Airport (KLIA), making airport waits far more comfortable. Your guests also enjoy discounted rates!
On top of that, the card includes Travel Club Lounge access in Malaysia and access to a 24/7 Visa Infinite Concierge for personalised assistance to help plan and support your travels.
How do I pay my Alliance Bank credit card bills?
There are a few ways to pay your Alliance card bills, such as:
- Cash or cheque at Alliance Bank branches nationwide
- Standing Instruction (via deduction from your Alliance Bank savings or current account)
- Cheque Xpress/Cash Deposit Machines at selected branches
- Internet banking via allianceonline
- Automated Teller Machine (ATM)
- MEPS IBG at participating financial institutions
What are my obligations as an Alliance credit card owner?
As an Alliance credit card owner, here are the things that you should do to keep using your credit card seamlessly and avoid the penalty:
- Your Alliance credit card minimum monthly repayment must be 5% of the outstanding balance or RM50 (whichever is higher)
- The finance charges-free period is 20 days from the Statement of Account of the new retail transaction (provided there’s no outstanding balance)
- If you fail to pay your Alliance credit card in full and on time, your finance charges on retail transactions will be calculated from the posting date of the transactions
- Alliance Bank Principal Cardholders are liable for all transactions incurred by the Supplementary Cardholders
What should I do if I lose my Alliance credit card?
In case your Alliance Bank credit card is lost or stolen, contact your credit card issuer immediately.
Alliance Bank Customer Service is ready to help you 24/7 with Emergency Cases and Lost or Stolen cards.
Furthermore, remember to lodge a police report about the missing card.
Phone: 03-5516 9988
Email: [email protected]
What are the best Alliance Bank Credit Cards in Malaysia 2025?
- Alliance Bank Visa Infinite - best for travel perks
The Alliance Bank Visa Infinite is perfect for frequent travellers, offering 5x Three-Year Bonus Points (TBP) on overseas transactions. Enjoy 24/7 personalised assistance for dining, travel, and entertainment, plus complimentary access to Plaza Premium Lounge and Travel Club Lounge worldwide. With the 0% Flexi Payment Plan for 3 months, you can spread out payments for flight tickets, hotel stays, and overseas spending with ease.
- Alliance Bank Visa Platinum - best for Three-Year Bonus Points
The Alliance Bank Visa Platinum gives you 8x Three-Year Bonus Points (TBP) for every RM1 spent on online purchases and eWallet reloads, making it one of the best rewards credit cards in Malaysia. With a 3-year expiration date on TBPs, redeem your points for exclusive gifts, vouchers, and more. Whether you're shopping online, paying bills, or topping up your eWallet, every transaction earns you valuable rewards.
- Alliance Bank Visa Signature - best for cashback
The Alliance Bank Visa Signature lets you earn up to 8% cashback on all retail spending, helping you save more on everyday purchases. Whether it’s shopping, dining, or travelling, this card rewards you with cashback on every ringgit spent. Enjoy exclusive benefits like complimentary airport lounge access for a more comfortable journey and 0% Buy Now, Pay Later, giving you greater financial flexibility.
How Long Does It Take to Get Approved for an Alliance Bank Credit Card via RinggitPlus?
The approval time for an Alliance Bank credit card through RinggitPlus depends on the bank’s processing time and the completeness of your application. After you apply via RinggitPlus, you’ll receive a welcome email with instructions to complete your application with Alliance Bank.
To avoid delays, make sure to submit all required documents accurately. If the email isn’t in your inbox, check your Promotions or Spam folder. Once your application is submitted, the bank will review it and contact you once it's processed. If you need assistance, feel free to email us at [email protected].
By applying through RinggitPlus, you’ll enjoy exclusive credit card sign-up gifts that aren’t available elsewhere. It’s a quick, convenient, and rewarding way to apply — perfect for first-time users seeking both ease and perks in one go.
