Alliance Bank Visa Basic credit card

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!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6% p.a. balance transfer over 18 months
  • Easy Payment Plan (EPP)
  • RM21.20 annual fee

Apply online now for Alliance Bank Visa Basic

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Benefits

Because you should be rewarded for giving the bank your business

Balance Transfer
Get out of credit card debt spiral with Alliance Bank Balance Transfer programme! Enjoy interest rate as low as 6% p.a. on your dues and the flexibility to choose between 12, 18 and 24 months tenure.
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)
Have a plasma TV or treadmill machine that you are eyeing on but doesn't have the big bulk of cash? This is when Alliance Bank Flexi Payment Plan comes in handy! Settle your retail purchases for up to 36-month monthly installments at only a minimal upfront handling fee of maximum 5% p.a.
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

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM21.20
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for Supplementary Card
RM10.60
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RM15.90 or 5.30% of withdrawn amount, whichever is higher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
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

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.
Balance Transfer
Alliance Bank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Alliance Bank Visa Basic review

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

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.

Stay clear of the spending trap altogether. The Visa Basic card comes with a low annual fee of RM21.20 a year. Any other charges? Nope, that’s it.

If you want to, you can even get it waived off with 12 swipes or a minimum spend of RM5,000. Can’t be bothered to make the effort? Just pay the minimal annual fee charge instead.

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.

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