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.

Alliance Bank Visa Platinum3x Reward Points!
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Collect Timeless Bonus Points that never expire when you swipe on all retail purchases locally and overseas. 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
1 point on every RM1on all local retail spends


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.


Enjoy exclusive discounts and privileges at participating merchants.

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 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
  • RM438 primary card

    Free for first year

    Waived when you spend RM5,000 or swipe 12 times each year

  • RM0 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RM15 or 5% of withdrawn amount, whichever is higher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.


As Malaysia is progressing to become a cashless nation by 2050, owning a credit card will be 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.

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 catalog to make redemption within 3 years (as per market standard), and have 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.

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.