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.

Alliance Bank MasterCard PlatinumExtra travel benefits!
Min. Income
Annual Fee
Balance Transfer
From 2.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Collect 3x Timeless Bonus Points on overseas retail purchases. Reward points are evergreen and can be redeemed with gifts, products, services and air miles!

Timeless Bonus Points
3 points on every RM1on all overseas retail spends
1 point on every RM1on all local retail spends


Get 1,000 MAS Enrich Points with a simple exchange of 6,000 TBP. Or, you can opt for 1,000 AirAsia BIG Points in exchange for 3,000 TBP.


Enjoy exclusive discounts and privileges at participating merchants.

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 months2.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
18 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
48 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Alliance Bank Balance Transfer Plan

Fees & Charges

Annual Fee
  • RM438 primary card

    Free for first year

    Waived when you spend RM5,000 or swipe 12 times each year

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 100%


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Cash Advance / Cash Loan
Alliance Bank FastCash
Get the money you want when you need it with the Alliance Bank FastCash plan
Balance Transfer Plans
Alliance Bank Balance Transfer Plan
Switch to the Alliance Bank Balance Transfer Plan to enjoy low interest rates starts from 9.88% p.a. when you transfer a minimum of RM1,000. You can even earn reward points on your transferred balance.


Travel for Free with Alliance Bank MasterCard Platinum

Why breaking your bank when you can fund your next travel with air miles with Alliance Bank MasterCard Platinum?

If you are already a member of Malaysia Airlines Enrich Miles and/or AirAsia BIG Points, you're halfway there.

Enjoy the privileges of converting your TBP to air miles at a fair conversion rate of 6,000 TBP for 1,000 Enrich Miles and 3,000 TBP for 1,000 BIG Points.

Alliance Bank Platinum Credit Card Timeless Bonus Points 

With Alliance Bank Platinum credit card, 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 Alliance Bank Platinum credit card more often while overseas. 

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 plenty of time to collect more rewards points.

Easy Payments

Payments for your Alliance Bank credit card can be easily made using cash or cheque at Alliance Bank branches. 

Other options are 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 an 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.

Alliance Bank MasterCard Platinum Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (Per Annum)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%

Previously, the finance charge is only imposed on the below that are not paid after the payment due date:

  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date

The Finance charge is now based on the prevailing tiered interest rate (above) that will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are settled in full.

All Fees and Charges include:

  • Retail Transactions
  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges

Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. 

This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.

This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.

In fact, you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances of your Alliance Bank MasterCard Platinum are carried forward from the previous month's statement cycle are paid in full.