Alliance Bank Visa Classic credit card

Also available as MasterCard

Alliance Bank Visa Classic

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

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM68.00 annual fee
  • Earn up to 1x reward point 

Get A Complimentary Acer Iconia One 7 With Your New Alliance Bank Credit Card!

Get A Complimentary Acer Iconia One 7 With Your New Alliance Bank Credit Card!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Apply online now for Alliance Bank Visa Classic

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Because you should be rewarded for giving the bank your business

Collect 1x Timeless Bonus Points for every Ringgit you swiped on retail overseas and locally with Alliance Bank Visa Classic. Timeless Bonus Points can be exchanged to products, services, vouchers and even air miles!
Alliance Bank Timeless Rewards
1 point on every RM1on all local and overseas spending
Rewards points earned never expires
Balance Transfer
Start paying off your accumulated credit debt with a low interest balance transfer starting from 6% p.a. with repayment periods of up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6.99% 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)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Get more air miles when spending with your Alliance Bank Visa Classic. Exchange 6,000 Timeless Bonus Points for 1,000 Enrich Miles or 3,000 Timeless Bonus Points for 1,000 AirAsia BIG Points.

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
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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


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

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?

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

Timeless Bonus Points

Timeless Bonus Points (TBP) gives you more reasons to swipe your Alliance Bank Visa Classic credit card instead of paying with cash. For every Ringgit that you charge to your Visa Classic credit card on retail purchases, whether at home or overseas, you will earn 1x TBP. 

It is worth noting that accumulated TBP will not have an expiry date! So...go crazy and long with your TBP collections and when you have enough points, redeem them for exciting gifts, products and services, including home appliances, vouchers, branded watches, pens and even air miles.

Air Miles Conversions

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 TBP slowly the moment you have activated the credit card until you have collected enough points to redeem or convert it to air miles!

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!

Annual Fee Waiver

The Alliance Bank Visa Classic credit card comes with an RM68 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 RM20 per card.

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