Alliance Bank Visa Basic

Forget about all the puzzling rewards and conditions you never will remember. Enjoy the simplicity that this credit card has for you!

Alliance Bank Visa BasicBack To Basics
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Balance Transfer

Get out of credit card debt spiral with Alliance Bank Balance Transfer programme! Start paying off your accumulated credit debt with a ZERO interest for up to 6 months with a minimum transfer of RM3,000 only.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3,000
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
Learn more about Alliance Bank Balance Transfer Plan

Fees & Charges

Annual Fee
  • RM20 primary card

    Free for first year

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

  • RM10 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RM15 or 5% of withdrawn amount, whichever is higher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 80%


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


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.


Keep it simple with a credit card that has fewer frills than a Jil Sander’s dress. 

No complicated billings and charges at the end of your monthly cycles – in layman terms, what you spend is what you pay for.

Easy Payments

Having the right amount of cash on you at all times can be well, not entirely feasible. 

Skip those constant trips to the ATM machine with the Alliance Bank Visa Basic credit card. 

Charge and swipe, charge and swipe. It’s that easy.

All those things you couldn’t do before, like buying a new Macbook online or booking a flight? Done with just a swipe, literally. 

What’s more, you can also skip paper bills and go e-banking all the way.

Low Annual Fees

There’s a reason why banks try to upsell their premier credit cards to you. 

Always rather than not, you’ll end up spending more on things you wouldn’t before and pay more annual fees.

The Visa Basic card comes with a low annual fee of RM20 a year for the principal cardholder, whereas RM10 for the supplementary cardholder.

You should also know that this Visa Basic credit card is free for the first year. Plus, you can even get it waived off for the subsequent years with swiping 12 times or spending a minimum of RM5,000 in a year.

Fees and Charges

All charges to your Alliance Bank Visa basic come with a 20-day interest-free period.

After that, credit card interest rates will be compounded daily until you settle your bills.

Here’s a thing or two you should know about your repayments. 

If you cannot repay your credit card bill for the month, make sure you make the minimum monthly payments. It will be 5% of the outstanding amount. 

If this amount adds up below RM50, you will be required to pay RM50 instead.

Don’t be late on your payments ever. Late payments will result in a 1% fee on the remaining outstanding balance or RM10, whichever is higher. 

The maximum late payment fee is capped at RM100. Yes, you have to repay what you owe, make minimum payments if necessary.

Cash Withdrawal

Run into an emergency? You make a cash withdrawal from any VISA authorised lenders. 

Pay a low interest fee of 5.30% upfront, and you’re good to go. The amount that you can withdraw will be determined by your credit limit.

Supplementary Cards

Family members can also enjoy the convenience of having a credit card if you signed them up for a supplementary Alliance Bank Visa Basic card for just RM10.60 a year. 

Only one condition, they have to be above the ages of 18 years.