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
  • 6% p.a. balance transfer over 18 months
  • Easy Payment Plan (EPP)
  • RM464.28 annual fee
  • Earn up to 3x reward points 

Get A Complimentary Desktop Air Purifier With Your New Alliance Bank Credit Card!

Get A Complimentary Desktop Air Purifier With Your New Alliance Bank Credit Card!

Apply online now for Alliance Bank MasterCard Platinum

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Big rewards are up for grabs when you charge your purchases to your MasterCard Platinum, from travel and bags, to vouchers and flyers miles, gifts and more! Extra points when you shop overseas and swipe on petrol, groceries and your utility bills.
Alliance Bank Timeless Rewards
EarnSpent
3 points on every RM1on all overseas spending
2 points on every RM1on petrol, grocery and utility payments
1 point on every RM1on all other local spending
Rewards points earned never expires
Balance Transfer
Start managing your credit debt instead of avoiding the bills in your mailbox. Alliance Bank Balance Transfer offers low interest rates from 6% and payment terms up to 24 months when you transfer your credit from other banks.
Pay OverWith Interest Rate AtWhen You Transfer
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6% 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)
Alliance Bank Flexible Payment Plan offers payments terms up to 24 months on retail purchases. All you need to pay is a one-time handling fee from as low as 2.5% with a minimum spend of RM500.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5.5% one-time upfront handling feefrom RM500 
18 months7% one-time upfront handling feefrom RM1000 
24 months8% one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Flexible Payment Plan
Travel
Enjoy free and unlimited Plaza Premium Lounge at KLIA for Alliance Privilege (PB) and Alliance Personal (AP) members. Earn 1000 MAS Enrich Points and 2000 AirAsia BIG points with a simple exchange of 6000 Timeless Bonus Points.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM464.28
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for Supplementary Card
RM0
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
18%

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM60000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only

Features

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

Easy Payment Plan
Alliance Bank Flexible Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
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 around and see the world...for cheap? How about special privileges even before taking off on your flight? If your answer is a double yes (but honestly, who wouldn't?), get on board with the Alliance Bank MasterCard Platinum - a card with perks for frequent flyers with a high credit limit.

Annual fee waiver 

Your annual fee can be waived every year just by, well, using the credit card! It's very simple - you just need to spend a minimum of RM5,000 or swipe 12 times within a the whole year in order to not pay a single sen.

Premium Perks In The Air

Every Ringgit you spent will earn you Enrich Miles under the redemption via Enrich Rewards Program with Malaysia Airlines. You can redeem flights, Enrich vouchers, and golden lounge vouchers with all the wonderful Enrich Miles you earned! You will also be given passport to Global Platinum Privileges from MasterCard Worldwide. 

With the Alliance Bank Platinum MasterCard, a series of privileges will come knocking on your door - ranging from special offers, to exclusive promotions to priority access, adding value and enjoyment to the lives of MasterCard Platinum cardholders. Besides, with the busy and lifestyle you lead, you often need a little extra assistance to escape from the 9 to 5 grind. No matter how big or small the problem you face while on holiday or business trip, the MasterCard Platinum 24 hours concierge service is there to help.

Platinum Benefits

You'll be thrilled to get to the airport early now with the Alliance Bank Platinum MasterCard. Why? Because you will have complete and unlimited complimentary access to Plaza Premium Lounge in KLIA. Enjoy yourself like you're at home with all the complimentary amenities and refreshments provided for you! Strong Wi-Fi connection available too so you could pass your time on your laptop or phone - before you know it, it's time to leave on a jetplane!

Note that you'll need to be a member of Alliance Privilege (PB) or Alliance Personal (AP) to enjoy the privilege of unlimited access to Plaza Premium Lounge but hey! It also opens up the door to even more personalised privileges such as dedicated financial consultant, free investment portfolio review, preferential rate or pricing and more! The requirements to be a part of Alliance Privilege or Alliance Personal are as below:

Alliance Privilege

  • Maintain at least RM200,000 in any Alliance Bank fixed deposit, savings account, current account or investment account which is inclusive of RM10,000 deposit in Alliance Bank Hybrid Account OR
  • Personal home loan with loan amount of RM1,000,000 and above

Alliance Personal

  • Maintain at least RM50,000 in any Alliance Bank fixed deposit, savings account, current account or investment account which is inclusive of RM10,000 deposit in Alliance Bank Hybrid Account OR
  • Personal home loan with loan amount of RM500,000 and above

Easy Payment Channels

Payments for your Alliance Bank Credit Cards can be easily made through a few channels such as cash or cheque at Alliance Bank branches, standing instruction via deduction from your Alliance Bank savings or current account, internet banking via allianceonline, ATMs and MEPS IBG at participating financial institutions. Never miss on any of your utility and phone bills ever again.

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