Alliance Bank Visa Classic

Every swipe on retail purchases locally and overseas brings you closer to next holiday! Redeem up to 1,000 air miles from MAS or AirAsia each time you convert your reward points.

Alliance Bank Visa ClassicGain More Air Miles!
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Spend with Alliance Bank Visa Classic in Malaysia and overseas because for every Ringgit swiped on retail transaction, you earn 1x Timeless Bonus Point.

Alliance Bank Timeless Rewards
1 point on every RM1on all local and overseas spending


Convert reward points to air miles to enjoy a cheaper or free flight ticket to any destination. Exchange 6,000 TBP for 1,000 Enrich Miles or 3,000 TBP for 1,000 AirAsia BIG Points.

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 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
  • RM68 primary card

    Free for first year

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

  • RM20 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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RM15 or 5% of withdrawn amount, whichever is higher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


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.


A classic credit card from Alliance Bank that rewards air miles from Malaysia's biggest airlines. That's not all, this worldwide recognized Alliance Bank Visa Classic is equipped with line of credits for rainy days!

Annual Fee Waiver

The annual fee for primary card is RM68, whereas for supplementary card is RM20. In reality, nobody likes paying annual fee on their credit card. 

That’s why Alliance Bank offers an annual fee waiver when you charge RM5,000 to your Visa Classic in a single year, or make one transaction each month for 12 consecutive months.

Sign up family members with their own supplementary card. You can keep track of everyone’s spending with easy online management, and manage each supplementary card’s credit limit individually.

Timeless Bonus Points

Timeless Bonus Points is a loyalty program for Alliance Bank credit cardholders that rewards you with points when you pay using your Visa Classic credit card. For every Ringgit you have swiped on retail transactions, whether locally or overseas, you earn 1x Timeless Bonus Point.

Timeless Bonus Point will be credited into your account every month. Plus, this loyalty point does not have an expiry date. You can collect as many points you want as long as you can. This rewards points can be redeemed with products, services and air miles.

Airline Miles Redemption

You can now spend your way to your next vacation for free, courtesy of Airlines Miles Redemption with Malaysia Airlines and AirAsia. The conversion rate as follows:

  • 6,000 Timeless Bonus Points into 1,000 Enrich Miles
  • 3,000 Timeless Bonus Points into 1,000 AirAsia BIG Points

The best part of the Timeless Bonus Points is that they are non expiry. You can start sowing your Timeless Bonus Point slowly the moment you have activated the credit card until you have collected enough points to redeem or convert it to air miles!

Credit Facilities

There are more than one flexible credit lines you can use from this credit card:

  • Balance Transfer Plan
  • 0% Instalment Payment Plan
  • FastCash instalment plan