Alliance Bank Visa Classic credit card

Also available as MasterCard

Alliance Bank Visa Classic

Every swipe with this classic card brings your closer to your long awaited holiday! Redeem up to 1000 air miles each time you convert your reward points.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6% p.a. balance transfer over 18 months
  • Easy Payment Plan (EPP)
  • RM72.08 annual fee
  • Earn up to 1x reward point 

Apply online now for Alliance Bank Visa Classic

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Because you should be rewarded for giving the bank your business

Earn 1 Timeless Bonus Point for every Ringgit you spend. Exchange for wide range of amazing rewards from home appliances to iPods, cameras to satnav, and from luxury luggage bags to flyer miles from Malaysia Airlines and AirAsia. No points for petrol and government agencies transactions.
Alliance Bank Timeless Rewards
1 point on every RM1on all local and overseas spending
Rewards points earned never expires
Balance Transfer
Get some savings on overdue credit card payments with Alliance Bank Balance Transfer. Enjoy low interest rates starting from 6% and repayment terms up to 24 months.
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)
Convert your shopping purchases above RM500 into a manageable instalment plan with Alliance Bank Flexible Payment Plan. Payment terms up to 24 months and low one-time upfront payment.
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
Cash in your Timeless Bonus Points and get more miles under your belt. For every 6000 points you exchange you'll earn 1000 Enrich Miles from MAS or 2000 BIG Points from AirAsia.

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
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

All fees & charges are inclusive of 6% GST if applicable


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

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 Visa Classic review

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

Great rewards and more with a Visa Classic credit card that lets you convert points into airmiles so you can treat yourself to a holiday getaway, all while staying within your budget. Comes with all the amenities you’d except from a credit card including low interest balance transfers, easy payment plans and cash withdrawal.

Timeless Rewards

More reasons to swipe instead of paying cash with the Alliance Bank Visa Classic. For every Ringgit that you charge to your card you’ll earn 1 Timeless Bonus points from Alliance Bank. Collect these points for as long as you want and redeem them for exciting gifts – including home appliances, vouchers and travel bags.

Spend 2 Travel

Caught the travel flu? You can now spend your way to your next vacation with your Alliance Bank credit card by converting your points into a AirMiles with Malaysian Airlines or AirAsia - all in a day's worth of shopping! The conversion rate as follows:

  • 6000 Timeless Bonus Points into 1000 Enrich Miles
  • 3000 Timeless Bonus Points into 1000 BIG Points

How To Redeem Your Timeless Rewards

Redeem your Timeless Reward gifts by filling up the online redemption form at Alliance Bank’s website. You can either fax the completed form to 03-5621 5624, or send it by mail to this address below.

Alliance Bank Card & Payment Services
P.O. Box 13417, 50810 Kuala Lumpur

Annual Fee Waiver

The Alliance Bank Visa Classic credit card comes with an RM72.08 annual fees charge for principal cards which can be waived if you swipe once for 12 consecutive months, or spend a minimum of RM5,000 each year. Unfortunately this waiver is not applicable supplementary cards, the charges are RM21.20 per card.

24-Months Balance Transfer

Get lower interest rates on your credit balance with a balance transfer to your Alliance Bank Visa Classic when you transfer a minimum of RM1,000. Alliance Bank Balance Transfer offers repayments terms from 1 year to 2 years and interest rates as low as 6%. This balance transfer offer only applies when you transfer credit from a different bank to your Alliance Bank credit card.

So make those huge payments, in small bite size pieces, and live stress free!

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