Alliance Bank Visa Signature

An elite card that rewards you with up to 5% cashback every month on all of your retail transactions, plus 2x complimentary airport rides just for you.

Alliance Bank Visa SignatureCashback for retail spends
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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Spending on your necessities such as petrol, groceries, dining, online shopping, and paying for your utility bills can be rewarding as you can get up to 5% cashback every month, subject to monthly spending criteria.

Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends0.05%uncappedfrom RM1up to RM1,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends0.5%uncappedfrom RM1,001up to RM2,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends5%uncappedfrom RM2,001up to RM3,000 monthly
Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends0.25%uncappedfrom RM3,001 or above monthly


Tap your Alliance credit card and fuel up at your go-to petrol station to collect up to 5% cashback every month, subject to monthly spending criteria.


Enjoy 2x complimentary e-hailing rides to the airport worth RM80 per ride when you spend a minimum of RM120,000 per year. Applicable to both local and overseas rides. Terms and conditions apply.

Balance Transfer

Start paying off your accumulated credit debt from other banks' credit cards with a low-interest Alliance Bank balance transfer 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 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
  • RM148 primary card

    Free for first year

    Waived when you spend minimum RM12,000 per year from second year onwards

  • 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RM15 or 5% of withdrawn amount, whichever is higher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
  • Malaysians Only


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 Signature rewards you with cashback every month

Shopping for necessities every month could dry out your wallet if you don't spend it wisely. But it's another case if you're using a cashback credit card like the all-new Alliance Bank Visa Signature! 

With this elite card, you can turn your monthly spending into rebates, which will be rewarded right back to your credit account.

So how can you earn cashback with Alliance Bank Visa Signature? Well, there are several cashback categories that can qualify you for up to 5% cashback every month which include:

  • Online shopping - This includes your favourites such as Zalora, Shopee and so forth
  • Petrol - Just tap and fuel at any petrol station nationwide
  • Groceries - Shop at any of your go-to supermarkets
  • Dining - Save up for more dinner dates wherever you want
  • Utility bill - Paying for your phone bills electricity bills, etc. can never get more rewarding than this
  • And other retail spends!

In addition, you also need to meet a few tiers of spending range before being eligible to receive the cashback. 

You can check out the table below for reference. But do note that the cashback that you earn is non-transferable and you cannot exchange it for cash.

Highlights of Alliance Bank Visa Signature
Cashback Category Spending Range (RM) Cashback Rate
Online Shopping
Utility Bill
Other Retail Spends
RM1 - RM1,000 0.05%
RM1,001 - RM2,000 0.50%
RM2,001 - RM3,000 5.00%
RM3,001 and above 0.25%

If you want to earn 5% cashback, which is the highest rate, you must hit an amount spent within the RM2,001 to RM3,000 spending range in a statement month. This means you'll earn RM55.50 over RM3,000 spent but if you hit the RM3,001 and above spending range, the cashback will decrease to 0.25%.

For a better understanding, you'll earn up to RM0.50 for the first tier of the spending range. In the second tier, meanwhile, you'll earn up to RM5.00 as cashback.

Do note that the 'Other Retail Spends' category has a few exclusions such as annual fees imposed by Alliance Bank, finance charges, late charges, etc. which can be found in the product disclosure PDF.

Travel in style, locally and internationally

Another unbeatable perk of owning an Alliance Bank Visa Signature card is you can most definitely travel in style and comfort. 

It's an undeniable fact that travelling is tiring, especially when your line of work or lifestyle needs you to always be on the go, back and forth to the airport. 

With this Alliance credit card, you can save yourself from the hassle of booking e-hailing rides to the airport because you'll get 2X complimentary airport rides that are worth RM80 per ride every time! 

And to enjoy this travel benefit, make sure that you spend a minimum of RM120,000 per year. This benefit also applies to both local and overseas e-hailing services.

Splendid credit features just for you

Looking for more benefits? Prior to owning this credit card, you will also get to enjoy a couple of credit features, namely the Alliance Bank Balance Transfer and Alliance Bank Fast Cash which can surely help you manage your finances better.

Alliance Bank Balance Transfer

With this credit feature, you can accumulate all of your other credit outstanding balances into one (1) plan with a lower interest rate and a longer repayment period. Valid until 31 December 2023, you can get the chance to enjoy ZERO interest over a 6-month tenure with Alliance Bank Balance Transfer. Check out the terms and conditions here.

Alliance Bank Fast Cash

Get the cash that you want whenever you need it with the Alliance Bank Fast Cash plan. Eligible applicants such as yourself may get to enjoy a 0% interest rate when you apply for the 6-months repayment tenure. To sign up for this exciting offer, you can apply for fast cash of a minimum of RM1,000, up to a maximum of 40% of your available credit limit.

Annual fee waiver

The first year is on the house! Additionally, you can also enjoy a lifetime annual fee waiver with the Alliance Bank Visa Signature credit card. 

All you have to do is spend at least RM12,000 every year to waive the annual fee that's worth RM148 for the principal card, while a supplementary card annual fee is already waived.

Alliance Bank Visa Signature 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 was only imposed on the below that were 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 transactions - 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 paid 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 Signature are carried forward from the previous month's statement cycle and are paid in full.

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