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
  • 0% p.a. balance transfer over 6 months
  • RM156.88 annual fee
  • Earn up to 2x reward points 

Get A Complimentary Huawei MediaPad T3 With Your New Alliance Bank Credit Card!

Get A Complimentary Huawei MediaPad T3 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 retail spending overseas. Exchange Timeless Bonus Points with gifts, vouchers, appliances or even air miles. Not applicable for petrol charges and government agency payments.
Timeless Bonus Points
2 points on every RM1on all overseas retail spends
2 points on every RM1on all utility payments
1 point on every RM1on all local retail spends
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
6 months0% p.a. and no one-time upfront handling feefrom RM3000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6.99% 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)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants
Swap your 6,000 Timeless Bonus Points for 1,000 Enrich Miles from Malaysia Airlines - your gateway to free flights is here!

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RM15.90 or 5.30% of withdrawn amount, whichever is higher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
Daily Maximum Cash Withdrawal
100% of total amount

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

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 to get your very own credit card if you don't have one yet. Alliance Bank MasterCard Gold is the basic credit card that you could start with if you're still on the fence. 

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

Timeless Bonus Points

Alliance Bank MasterCard Gold comes with more perks than just ease of payment. Introduce yourself to Alliance Bank Timeless Bonus Points (TBP) as an extra incentive to keep all your payments cashless.

Make your payment at the cashier and online with your Alliance Bank credit card and earn 1x TBP for every RM1 spent locally; whereas 2x TBP for every Ringgit spent overseas and on utility payments. Spend and collect TBPs at the same time to redeem exciting gifts, vouchers, merchandises and air miles!

Airline Miles Redemption

Since your Timeless Bonus Points collected are timeless (aka non expiry), now you can spend more with your Alliance Bank MasterCard Gold to enjoy free flights from Malaysia Airlines and AirAsia, courtesy of Airline Miles Redemption. 

Here's how it works: for every 6,000 TBP, you can convert to 1,000 Enrich Miles; whereas 1,000 AirAsia BIG Points for every 3,000 TBP (however available for Alliance Bank Visa Credit Card only).

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 FastCash – get cash withdrawals using your MasterCard gold at low interest rates for up to 36 months
  • Cash Advance of up to 100% of your credit card limit.

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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