Alliance Bank Visa Platinum

Enjoy PLATINUM benefits of up to 8x Timeless Bonus Points for all your everyday online spending and redeem your TBP with attractive gifts anytime.

Alliance Bank Visa PlatinumHigh Bonus Points!
Min. Income
Annual Fee
Balance Transfer
From 2.99% 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 online and retail purchases locally and overseas. Reward points can be redeemed for attractive gifts, products and services!

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


Enjoy exclusive discounts and privileges at participating merchants.

Balance Transfer

Start paying off your accumulated credit debt with a low interest balance transfer and a longer repayment period.

Pay OverWith Interest Rate AtWhen You Transfer
6 months2.99% 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
48 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
  • RM120 primary card

    Free for first year

    Waived when you swipe 12 times with no minimum spend 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RM15 or 5% of withdrawn amount, whichever is higher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  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.


Collect Timeless Bonus Points with Alliance Bank Visa Platinum

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. And 8x TBP whenever you shop online and reload your eWallet.

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.

24/7 Concierge Service

This Alliance Bank Platinum credit card 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 cash or cheque at Alliance Bank branches.

It can also be done via 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 an annual fee waiver for the first year, on the house. 

From the second year onward, you only need to swipe 12 times with no minimum spend every year to get your Alliance Bank's credit card annual fees waived.

Alliance Bank Visa Platinum 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 until 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 Platinum are carried forward from the previous month's statement cycle and are paid in full.