Alliance Bank Visa Gold

Enjoy great discounts, rewards points that never expire, Airlines Miles Redemption with MAS and AirAsia, annual fee waivers and many more when you sign up for Alliance Bank Visa Gold.

Alliance Bank Visa GoldRewards On Every Ringgit
Min. Income
Annual Fee
Balance Transfer
From 0% 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 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
  • 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 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RM15 or 5% of withdrawn amount, whichever is higher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.


Introduce a VISA Gold credit card that rewards points on your purchases, double the points when you pay your bills and shop overseas! Get more value when swiping your Alliance Bank credit card.

Annual Fee Waiver

Enjoy 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.

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.

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 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.