Alliance Bank Visa Platinum credit card

Also available as MasterCard

Alliance Bank Visa Platinum

Platinum travel privileges all over the world, MAS Enrich Miles, and AirAsia BIG points make this an ideal Alliance Bank credit card for frequent flyers.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM438.00 annual fee
  • Earn up to 3x reward points 

Get 2x Barry Smith 20" Luggage Bag!

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

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Because you should be rewarded for giving the bank your business

Collect Timeless Bonus Points that never expire when you swipe on all retail purchases locally and overseas, utility bills, grocery and petrol transactions. Reward points can be redeemed for attractive gifts, products, services and even air miles!
Timeless Bonus Points
3 points on every RM1on all overseas retail spends
2 points on every RM1on petrol, grocery and utility payments
1 point on every RM1on all local retail spends
Rewards points earned never expires
Balance Transfer
Start paying off your accumulated credit debt with a low interest balance transfer starting from 9.88% p.a. with repayment periods of up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3000 
12 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
24 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Convert Timeless Bonus Points to fly with MAS and AirAsia for free - 1,000 MAS Enrich Miles is equivalent to 6,000 TBP or 1,000 AirAsia BIG Points with 3,000 TBP. Plus, get unlimited access to Plaza Premium Lounge at KLIA if you hold an Alliance Personal or Alliance Privilege membership.
Enjoy exclusive discounts and privileges at participating merchants.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for 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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
80% of total amount


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


Get some extra help from your credit card when you need it most

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 Platinum review

What's so good (or not so good) about it?

As Malaysia is progressing to become a cashless nation by 2050, owning a credit card will be an essential for every Malaysian. This reward Visa Platinum credit card from Alliance Bank is among the best travel credit cards in Malaysia that average middle income earners can afford.

Timeless Bonus Points

With Alliance Bank Visa Platinum, you can get rewarded with Timeless Bonus Points (TBP) for making payment at POS terminals or online checkout. 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. 

It's easy to collect reward points: if you want to capture 3x TBP, swipe your Visa Platinum more often while overseas; or pay for your petrol, groceries and utility bills with Visa Platinum every month to get 2x TBP.

The best part about TBP is that it is non-expiry and uncapped. That said, you don't have to rush to Alliance Bank's rewards catalogue to make redemption within 3 years (as per market standard), and have a plenty of time to collect more TBP for your next travel plan.

Airlines Miles Redemption

Yes, your next travel plan can be funded with air miles, instead of cash and credit payments. If you are already a member of Malaysia Airlines Enrich Miles and / or AirAsia BIG Points, you halfway there. 

For Alliance Bank Visa Platinum credit cardholders, you have the privileges to convert your TBP to air miles at a fair conversion rate: 6,000 TBP for 1,000 Enrich Miles or 3,000 TBP for AirAsia BIG Points.

Airport Lounge Access

If you are a member of Alliance Privilege or Alliance Personal, you will be entitled to unlimited free access to Plaza Premium Lounge in KLIA, where you can enjoy first-class services such as free WiFi, epicurean food and drinks, entertainments and grooming facilities.

To become an Alliance Privilege and / or Alliance Personal member, you must fulfill these criteria:

  • A minimum of RM200,000 (Alliance Privilege) or RM50,000 (Alliance Personal) deposited in any Alliance Bank current account, savings account, fixed deposit or investment account;
  • A minimum of RM10,000 out of the required deposit amount mentioned has to be placed in Alliance Bank Hybrid Account; OR
  • An Alliance Bank home loan with loan amount of RM1,000,000 for Alliance Privilege or RM500,000 for Alliance Personal.

24/7 Concierge Service

Alliance Bank Visa Platinum provides you ultimate convenience with the 24/7 Visa Platinum Concierge service. Wherever in the world you may be, you can be sure to get help from Visa Concierge Service that is available 24 hours a day, 7 days a week for travel arrangements or even concert bookings.

Easy Payments

Payments for your Alliance Bank credit card can be easily made using as cash or cheque at Alliance Bank branches, standing instruction by deducting from your Alliance Bank savings or current account, internet banking via allianceonline, ATMs, and MEPS IBG at any Alliance Bank branch or other participating banks.

Annual Fee Waiver 

Enjoy annual fee waiver for the first year, on the house. From the second year onward, you only need to spend a minimum of RM5,000 or swipe 12 times in a year to get your Alliance Bank's credit card annual fees waived.

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