Alliance Bank Visa Infinite

Relish INFINITE luxuries of life with up to 8X Timeless Bonus Points for every Ringgit spent on all your online transactions. Plus, 2x complimentary passes to selected Plaza Premium Lounges.

Alliance Bank Visa Infinite0% Flexi Payment Plan
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM5000
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners


Spend your Alliance Bank Visa Infinite overseas to get 5x Timeless Bonus Points (TBP), and 8x TBP on all online shopping spends. Collect enough TBP to redeem lifestyle merchandise or vouchers.

Timeless Bonus Points
8 points on every RM1on online shopping transactions, and eWallet reload
5 points on every RM1on overseas transactions, dining and groceries
1 point on every RM1on local retail spends, entertainment, auto-billing, and contactless


Valid for Principal cardholders only, enjoy 2x complimentary access to participating Plaza Premium Lounges worldwide. Plus, 0% Flexi Payment Plan for 3 months for all flight ticket purchases, hotel bookings and overseas transactions.


Enjoy a personalised service at any Alliance Bank branch nationwide, or when you travel with 24/7 Visa concierge services. Take advantage of a dedicated travel hotline to arrange all your flight bookings, travel packages and hotel accommodations!

Balance Transfer

Start paying off your accumulated credit debt with the Alliance Bank Balance Transfer plan which comes with lower interest and a longer repayment period of up to 24 months.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% 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
Learn more about Alliance Bank Balance Transfer Plan

Fees & Charges

Annual Fee
  • RM438 primary card

    Free for first year

    Waived when you spend RM12,000 each year

  • RM0 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RM15 or 5% of withdrawn amount, whichever is higher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 80%
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 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 Fast Cash plan from as low as 2.99% interest rate per annum up to 36 months.
Balance Transfer Plans
Alliance Bank Balance Transfer Plan
Switch to the Alliance Bank Balance Transfer Plan and enjoy low interest rates from 0% p.a. up to 24 months. You only need to transfer a minimum of RM1,000!


Alliance Bank Visa Infinite - Unbeatable Perks

Planning for a trip overseas can surely dry your pocket because from flight tickets to accommodation, everything is costly. Put aside your dilemma and plan your next big trip overseas with Alliance Bank Visa Infinite.

For 3 months, you can now purchase flight tickets, make hotel bookings and perform overseas transactions in instalments with Alliance Bank Visa Infinite 0% Flexi Payment Plan for travel.

That's not all, you can also unwind before your flight with 2x complimentary access to participating Plaza Premium Lounges worldwide! Find out more about the airport lounge benefit in the T&C here.

You can bet your trip will be smooth sailing and a memorable one with Alliance Bank Visa Infinite credit card!

Timeless Bonus Points

Timeless Bonus Points (TBP) are 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 them.

For Alliance Bank Visa Infinite credit cardholders, your Timeless Bonus Points are five times higher than the Platinum, Gold and Classic counterparts when you swipe on retail purchases overseas. 

You can also earn 8x TBP when you make any online shopping transaction and eWallet reload of your choice, as well as 5x TBP for dining, groceries and overseas spending.

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 work 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 personalised customer service, 24 hours a day, 7 days a week through the Visa Infinite Customer Center.

Privileged Banking Services

Every time you commit to Alliance Bank's financial products - from credit cards to deposits, home loans, 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 a single credit card annual fee ever again with this Alliance Bank credit card. All you have to do is spend a minimum of RM12,000 within 12 months. 

That's RM1,000 a month - let's see, if you charge all your utility bills, phone bill, or car loan repayment on your card (please make prompt payments) you'll spend RM12,000 in no time!

Alliance Bank Visa Infinite Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (p.a.)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment of less than 10 out of 12 months AND New Card members 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 balances 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 a miscellaneous fee (if any) EXCEPT Late Payment Charges

A 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 in 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-day interest-free period, provided that the outstanding balances of your Alliance Bank Visa Infinite are carried forward from the previous month's statement cycle and are paid in full.

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