High Bonus Points!
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 payments 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 them.
It's easy to collect reward points: if you want to capture 3x TBP, swipe your Visa Platinum more often while overseas or dining. 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 catalogue 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 with 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 which 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 (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 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 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 Platinum are carried forward from the previous month's statement cycle and are paid in full.
