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
  • Easy Payment Plan (EPP)
  • 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

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Because you should be rewarded for giving the bank your business

Double up on the rewards points when you pay your utility bills and overseas transactions with your Alliance Bank credit card. Choose from a wide range of fabulous rewards, or simply swap your points for Airmiles from MAS and AirAsia. Charges for petrol and government agency fees are exempted.
Alliance Bank Timeless Rewards
2 points on every RM1on all utility payments
2 points on every RM1all Overseas retail
1 point on every RM1on all local spending
Rewards points earned never expires
Balance Transfer
Start paying off your accumulated credit debt with a low interest balance transfer starting at 6% p.a. Choose a repayment period 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)
Greater flexibility on your retail purchases above RM500 with an instalment plan up to 24 months, just pay a one-time interest fee from 2.5%.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5.5% one-time upfront handling feefrom RM500 
18 months7% one-time upfront handling feefrom RM1000 
24 months8% one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Flexible Payment Plan
Get more miles on your credit card when flying with MAS and AirAsia. Exchange 6000 points for 1000 Enrich Miles, or 3000 points for 1000 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
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

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


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

Easy Payment Plan
Alliance Bank Flexible Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
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 fees 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 ratio, where local spending will give you 1 Point for every 1 RM. These points double when you pay your utility bills and spend overseas with your Visa Gold.

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

Alliance Bank is one of the few banks out there that lets you use your reward points to redeem air miles. In partnership with Malaysia’s best airlines providers, you can convert your Timeless Bonus Points into AirAsia Big Points and Malaysia Enrich Miles. Your next holiday getaway is just another swipe away with Alliance Bank!

Annual Fee Waiver

Nobody has time for that! By THAT, we mean those costly annual fees that come with credit cards and GST charges to boot. Alliance Bank thinks so too! Get a full waiver on your annual credit card fees when you spend RM5000 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!

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