Alliance Bank Visa Gold

Enjoy great discounts, rewards points that never expire, Airlines Miles Redemption, annual fee waivers and many more with Alliance Bank Visa Gold.

Alliance Bank Visa GoldRewards On Every Ringgit
Min. Income
Annual Fee
Balance Transfer
From 2.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Charge RM1 on retail purchases, locally and overseas, to Alliance Bank credit card, earn 1x Timeless Bonus Points.

Timeless Bonus Points
2 points on every RM1on all overseas retail spends
1 point on every RM1on all local retail spends


Convert rewards points into air miles to enjoy a cheaper or free flight ticket to any destination. Only 6,000 TBP for 1,000 Enrich Miles from Malaysia Airlines; 3,000 TBP for 1,000 BIG Points from AirAsia.

Balance Transfer

Enjoy low interest rates and flexible repayment terms up to 48 months when you transfer a minimum outstanding balance of RM1,000 into Alliance Bank credit card.

Pay OverWith Interest Rate AtWhen You Transfer
6 months2.99% p.a. and no one-time upfront handling feefrom RM1,000
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
48 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
  • RM148 primary card

    Free for first year

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

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation 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RM15 or 5% of withdrawn amount, whichever is higher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 100%
Contact-less Payment Methods
Visa payWave


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.


Alliance Bank Visa Gold - Timeless Bonus Points

Alliance Bank Visa Gold comes with more perks than just ease of payment: the Timeless Bonus Points, which is an incentive to keep all your payments cashless.

For every RM1 charged to your Alliance Bank credit card, you will get 1x TBP on retail purchases made locally; 2x TBP for retail purchases overseas.

The best part about TBP is that it is non-expiry. So, spend more and take your time to reap the benefit!

Annual Fee Waiver 

Enjoy an annual fee waiver for the first year, on the house. 

Whereas for the second year onward, you can get your Alliance Bank credit card's annual fee waived by spending a minimum RM5,000 in a year or swipe 1 time a month for up to 12 months.

Alliance Bank Visa Gold Airline Miles Redemption

What can you do with a load of rewards points? Redeem air miles to enjoy free flights from Malaysia Airlines. 

Under Alliance Bank’s Airline Miles Redemption you can get 1,000 Enrich Miles with 6,000 TBP conversion, or 3,000 TBP conversion for 1,000 BIG Points.

20 Days Interest-Free

More financial flexibility with your Visa Gold – swipe first and repay what you owe within 20 days at 0% interest charges. 

This grace period is perfect for costly emergencies, whether it’s a car repair or an unexpected medical bill before the end of the month when the salary cheques clear.

Credit Card Services

Owning an Alliance Bank credit card comes with flexible credit lines that you can use when the desperate time calls for desperate measure:

  • Alliance Bank Balance Transfer Plan – grab special low-interest rates when you move your outstanding credit from another bank to your Visa Gold
  • Alliance Bank FastCash – get cash withdrawals using your Visa Gold at low-interest rates for up to 36 months
  • 0% Instalment Payment Plan at participating merchants
  • Cash Advance of up to 100% of your credit card limit.

Alliance Bank Visa Gold Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (Per Annum)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%

Previously, the finance charge is only imposed on the below that are not paid after the payment due date:

  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date

The Finance charge is now based on the prevailing tiered interest rate (above) that will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are settled in full.

All Fees and Charges include:

  • Retail Transactions
  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges

Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. 

This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.

This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.

In fact, you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances of your Alliance Bank Visa Gold are carried forward from the previous month's statement cycle are paid in full.