Alliance Bank MasterCard Platinum credit card

Also available as Visa

Alliance Bank MasterCard Platinum

Explore the world with a credit card that gives you platinum travel privileges, Enrich Miles and BIG Points on each spend and a higher credit limit.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM438.00 annual fee
  • Earn up to 3x reward points 

Get 2x Barry Smith 20" Luggage Bag!

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Collect Timeless Bonus Points that never expire when you swipe on all retail purchases locally and overseas, utility bills, grocery and petrol transactions. Reward points can be redeemed for attractive gifts, products, services and even air miles!
Timeless Bonus Points
3 points on every RM1on all overseas retail spends
2 points on every RM1on petrol, grocery and utility payments
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 months0% p.a. and no one-time upfront handling feefrom RM3000 
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 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Enjoy complimentary access at KLIA Plaza Premium Lounge for Alliance Privilege (PB) and Alliance Personal (AP) members. Get 1,000 MAS Enrich Points with a simple exchange of 6,000 TBP.
Enjoy exclusive discounts and privileges at participating merchants.

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
80% 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 Platinum review

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

Fancy traveling with class? If you do, get on board with Alliance Bank MasterCard Platinum - a travel credit card for frequent flyers.

Timeless Bonus Points

With Alliance Bank MasterCard Platinum, you can get rewarded with Timeless Bonus Points (TBP) for making payment at POS terminals or online checkout. 

TBP is an incentive given in the form of reward points, whereby you can collect without limit, and then convert them into items of value by redeeming it.

It's easy to collect reward points: if you want to capture 3x TBP, swipe your MasterCard Platinum more often while overseas. Pay for your petrol, groceries and utility bills with MasterCard Platinum every month to get 2x TBP.

The best part about TBP is that it is non-expiry and uncapped. That said, you don't have to rush to make redemption within 3 years as with other banks; you have a plenty of time to collect more rewards points.

Airlines Miles Redemption

Why breaking your bank when you can fund your next travel with air miles? If you are already a member of Malaysia Airlines Enrich Miles and / or AirAsia BIG Points, you halfway there.

For Alliance Bank MasterCard Platinum credit cardholders, you have the privileges to convert your TBP to air miles at a fair conversion rate of 6,000 TBP for 1,000 Enrich Miles.

Airport Lounge Access

If you are a member of Alliance Privilege or Alliance Personal, you have access to the Plaza Premium Lounge in KLIA for free. This is where you can enjoy first-class treatment before your journey begin. 

For 3 hours, you can enjoy facilities such as free WiFi, food and drinks, entertainments, and many more. To become an Alliance Privilege and / or Alliance Personal member, you must fulfill these criteria:

  • A minimum of RM200,000 (Alliance Privilege) or RM50,000 (Alliance Personal) deposited in any Alliance Bank current account, savings account, fixed deposit or investment account;
  • A minimum of RM10,000 out of the required deposit amount mentioned has to be placed in Alliance Bank Hybrid Account; OR
  • An Alliance Bank home loan with loan amount of RM1,000,000 for Alliance Privilege or RM500,000 for Alliance Personal.

Easy Payments

Payments for your Alliance Bank credit card can be easily made using as cash or cheque at Alliance Bank branches, Standing Instruction by deducting from your Alliance Bank account, internet banking via allianceonline, ATMs, and MEPS IBG at any Alliance Bank branch or other participating banks.

Annual Fee Waiver

Enjoy annual fee waiver for the first year, on the house. From the second year onward, you only need to spend a minimum of RM5,000 or swipe 12 times in a year to get your Alliance Bank's credit card annual fees waived.

Read More