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
  • 6% p.a. balance transfer over 18 months
  • RM156.88 annual fee
  • Earn up to 2x reward points 

Get A Free Barry Smith Luggage Bag With Your New Alliance Bank Credit Card!

Get A Free Barry Smith Luggage Bag With Your New Alliance Bank Credit Card!

Apply online now for Alliance Bank Visa Gold

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Alliance Bank Visa Gold

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Alliance Bank website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Rewards
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
EarnSpent
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
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)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants
Travel
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
RM156.88
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for Supplementary Card
RM31.80
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%

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

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
Malaysians Only

Features

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 gives you points on all your charges – even doubling when you pay your bills and shop overseas! And with no annual fee to worry about, you’ll get value for your credit card and the convenience of online shopping and e-banking at your fingertips.

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!

Read More