Alliance Bank Visa Infinite - The Gateway to Free Flights
Yes, your next business or leisure travel plan can be funded with air miles, instead of hard cash or credit payments.
In partnership with Malaysia Airlines and AirAsia, you can redeem free flight tickets or flight upgrades when you exchange your Alliance Bank Visa Infinite's Timeless Bonus Points with AirAsia BIG Points or MAS Enrich Miles.
Since you will also be rewarded with TBP annually based on your accumulated spend, Alliance Bank makes it easy for you to convert them at a fair conversion rate.
For every 6,000 TBP, you can redeem 1,000 Enrich Miles, or 3,000 TBP for 1,000 AirAsia BIG Points.
Timeless Bonus Points
Timeless Bonus Points (TBP) is an incentive given in the form of reward points, whereby you can collect without limit and then convert it into items of value by redeeming it.
For Alliance Bank Visa Infinite credit cardholders, your Timeless Bonus Points are five times higher than it's Platinum, Gold and Classic counterparts when you swipe on retail purchases overseas.
Meanwhile, get 1x TBP for every ringgit spent locally, except for petrol and government transactions.
Dedicated Travel Assistance
When you are too caught up with works and life, planning for a trip can be stressful.
In collaboration with Holiday Tours & Travel Sdn Bhd, you can just call them at 03 6286 6166 to have your travel arrangements planned and booked for you!
There's more; have access to the 24/7 Visa Infinite Concierge Service, offering you the best in personalized customer service, 24 hours a day, 7 days a week through the Visa Infinite Customer Center.
Free RM2 Million Travel Insurance from Alliance Bank Visa Infinite
Enjoy peace of mind while travelling alone or with your loved ones when you charge the full fares of an overseas trip on your Alliance Bank credit card.
You are automatically insured up to RM2 million in the event of death or permanent disability, and RM50,000 for medical expenses.
Privileged Banking Services
Every time you commit to Alliance Bank's financial products - from credit cards to deposit, home loan, investments and other services - you will be rewarded with Timeless Bonus Points.
Plus, you will also experience top-notch treatment from Privilege Banking services.
Lifetime Annual Fee Waiver
You will never have to pay for a single credit card annual fee ever again with this Alliance Bank credit card.
All you have to do is spend a minimum of RM30,000 within 12-months.
That's RM2,500 a month - let's see, if you charge all your utility bills, phone bill, car and home loan repayment on your card (please make prompt payments) you'll spend RM30,000 in no time!
Alliance Bank Visa Infinite 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 Infinite are carried forward from the previous month's statement cycle are paid in full.