Alliance Bank Visa Gold credit card

Also available as MasterCard

Alliance Bank Visa Gold

Enjoy thrilling discounts, Timeless Bonus Points that never expire on every Ringgit spent with your Alliance Bank Visa Gold card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM148.00 annual fee
  • Earn up to 2x reward points 

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 Gold

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Because you should be rewarded for giving the bank your business

Grab more reward points when you swipe on your utility bills or retail spending overseas. Exchange Timeless Bonus Points with gifts, vouchers, appliances or even air miles. Not applicable for petrol charges and government agency payments.
Timeless Bonus Points
2 points on every RM1on all overseas retail spends
2 points on every RM1on all utility payments
1 point on every RM1on all local retail spends
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 Gold. 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
Daily Maximum Cash Withdrawal
100% of total amount


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 Gold review

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

Introduce yourself to timeless rewards with a VISA gold credit card that rewards points on your purchases – even doubling the points when you pay your bills and shop overseas! Get more value when swiping your Alliance Bank credit card.

Extra Rewards

Paying attention to how fast your salary depletes every month? That’s a lot of spending that goes into all your groceries, bills, shopping, entertainment and eating out. 

Swipe these charges with your Alliance Bank Visa Gold instead and collect rewards for being the dedicated consumer that you are!

The total charges on your bills will be converted on a Ringgit to Alliance Bank Timeless Bonus Point (TBP) ratio, where every RM1 spent locally will give you 1x TBP; and 2x TBP on utility payments and overseas spending.

Gift Redemption

Alliance Bank Timeless Bonus Points never expire (they are ‘timeless’ after all!), so you can trigger-swipe as long as you want and redeem them for gifts whenever you’re in the mood for it. All you’ve got to do is fill up the Redemption Form on their website and tell them what you want.

The Rewarding Treats offered aren’t just limited to vouchers and gift cards, you can collect an assortment of gifts including electronics, home appliances, stuff for the kids, travel goodies and more. What’s more, the list doesn’t end there just yet!

Travel Miles

Since your Timeless Bonus Points collected are timeless (aka non expiry), now you can spend more with your Alliance Bank Visad Gold to enjoy free flights from Malaysia Airlines and AirAsia, courtesy of Airline Miles Redemption.

Here's how it works: for every 6,000 TBP, you can convert to 1,000 Enrich Miles. Lucky strike for Visa credit cardholders as you can redeem 1,000 AirAsia BIG Points for every 3,000 TBP.

Annual Fee Waiver

Get a full waiver on your annual credit card fee when you spend RM5,000 a year, or swipe 12 times consecutively each month. That’s not hard, just use your credit card – which was why you got it in the first place!

Credit Card Services

Owning an Alliance Bank credit card comes with special credit features that would otherwise not be available to you, including:

  • Alliance Bank Balance Transfer Plan – grab special low interest rates when you move your outstanding credit from another bank to your MasterCard Gold
  • Alliance Bank FastCash – get cash withdrawals using your MasterCard gold at low interest rates for up to 36 months
  • Cash Advance of up to 100% of your credit card limit.

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