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 an Acer Iconia One 7 and Win a RM1,888 Tesco Voucher!

Get an Acer Iconia One 7 and Win a RM1,888 Tesco Voucher!

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

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

Get RM200 ShopBack Cashback with A New Alliance Credit Card!

Get RM200 ShopBack Cashback with A New Alliance Credit Card!

15,000 BIG Points in a Flash Only with Alliance Credit Card

15,000 BIG Points in a Flash Only with Alliance Credit Card

Apply online now for Alliance Bank MasterCard Platinum

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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
Start paying off your accumulated credit debt with a low interest balance transfer starting from 6% p.a. with repayment periods of 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.
Enjoy free and unlimited Plaza Premium Lounge at KLIA for Alliance Privilege (PB) and Alliance Personal (AP) members. Earn 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
  • 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
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 Platinum review

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

Do you like to go see the world for a fraction of the retail price? If your answer is yes, get on board with the Alliance Bank MasterCard Platinum - a truly travel credit card with perks for frequent flyers and high credit limit.

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 it 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; or 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 Alliance Bank's rewards catalogue to make redemption within 3 years (as per market standard), and have a plenty of time to collect more TBP for your next travel plan.

Airlines Miles Redemption

Yes, your next travel plan can be funded with air miles, instead of cash and credit payments. 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: 6,000 TBP for 1,000 Enrich Miles.

Airport Lounge Access

If you are a member of Alliance Privilege or Alliance Personal, you will be entitled to unlimited free access to Plaza Premium Lounge in KLIA, where you can enjoy first-class services such as free WiFi, epicurean food and drinks, entertainments and grooming facilities.

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 savings or current account, internet banking via allianceonline, ATMs, and MEPS IBG at any Alliance Bank branch or other participating banks.

Annual Fee Waiver

You only need to spend a minimum of RM5,000 or swipe 12 times within a 12-month period in order to waived from annual fees. Swipe once a month and pay your credit card bills on time - build a solid credit history at the same time!

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