Best Alliance Bank Credit Cards in Malaysia 2019

Home to Malaysia’s favourite You:nique Card, Alliance Bank offers great credit card deals for everyone. Whether you want Visa or MasterCard, more cash back or rewards! Alliance Bank has got you covered with a wide range of credit cards and premium promotions nationwide. Compare the best credit cards and apply online today.

Overview of Alliance Bank Credit Cards in Malaysia

Alliance Bank offers end-to-end banking and financial solutions through its consumer banking, Islamic banking, SME banking, wholesale banking, investment banking and stockbroking businesses.

The bank has been serving Malaysians for more than five decades with its innovative approach such as easy access via multiple delivery channels and crafting an array of Alliance Bank credit cards that fulfill your need.  

Features and benefits of Alliance Bank credit card

Each Alliance credit card comes with its own features and benefits. However, here’s the general information about the features and benefits of Alliance cards:

  • Alliance credit cards offer high credit limits
  • No annual fee when you spend a minimum of RM5,000 or swipe your Alliance credit card 12x within a 12-month period
  • Enjoy discounts and 0% installment payment plan at participating merchants
  • 24-hour customer service
  • 0 charge for lost card
  • Bonus points that never expire
  • Low minimum repayment (min. 5% of the outstanding balance or RM50)
  • Enrich Miles Redemption via Enrich Rewards Program with Malaysia Airlines
  • Worldwide recognition and acceptance

Types of Alliance Bank credit cards:

There are many types of Alliance cards that will cater to your need. Whether you want to save more when shopping or you are an avid traveller, a businessman or simply love rewards, find and compare Alliance credit cards on Ringgitplus.

1. Alliance Cashback credit cards:

Alliance Bank You:nique Great Rebates

Get up to 3% cashback on all retail purchases and enjoy unlimited cashback when you spend more than RM3,000 monthly.

Alliance Bank Visa Infinite Business Credit Card

Earn up to 1.5% cashback monthly on the company and overseas purchases. You can also opt for Alliance Bank Timeless Bonus Point instead of the cashback.

2. Alliance Rewards credit cards:

Alliance Bank You:nique Great Rewards

Personalise your Alliance Bank credit card and enjoy double rewards on every Ringgit spent. Earn Timeless Bonus Points on all Alliance Bank's financial products and services.

Alliance Bank MasterCard Gold

Earn 2x Points on overseas retail spends, 2x Points on utility payments and 1x Point on local retail spends. Convert your Alliance reward points to air miles.

3. Alliance Travel credit cards:

Alliance Bank Visa Infinite

Enjoy RM2 million travel insurance and free flights with this Alliance Bank credit card. Upgrade your flight to first class and unwind in VIP Airport Lounges around the world.

Alliance Bank Visa Platinum

Get unlimited access to Plaza Premium Lounge at KLIA and fly with Malaysia Airlines or AirAsia for free. Collect 3x Points on every RM1 on overseas retail spend.

Alliance Bank credit card fees, charges & interest rates 2019

Credit Card

Principal

Supplementary

Interest Rate

Alliance Bank Visa Basic

RM20

RM10

15% p.a.

Alliance Bank Visa Classic

RM68

RM20

15% p.a.

Alliance Bank MasterCard Classic

RM68

RM20

15% p.a.

Alliance Bank You:nique Great Rates

RM148

RM30

9% p.a.

Alliance Bank You:nique Great Rewards

RM148

RM30

15% p.a.

Alliance Bank You:nique Great Rebates

RM148

RM30

15% p.a.

Alliance Bank Visa Gold

RM148

RM30

15% p.a.

Alliance Bank MasterCard Gold

RM148

RM30

15% p.a.

Alliance Bank Visa Platinum

RM438

-

15% p.a.

Alliance Bank MasterCard Platinum

RM438

-

15% p.a.

Alliance Bank Visa Infinite

RM800

-

15% p.a.

Alliance Bank Visa Infinite Business Credit Card

RM800

RM100

15% p.a.

Alliance Bank Business Platinum MasterCard

RM438

RM188

15% p.a.

5 Best Alliance Bank Credit Cards 2019:

Who can apply for Alliance Bank credit card?

In general, the principal cardholders must fulfill the criteria:

  • Minimum age 21 years old
  • Minimum income RM150,000 p.a.

For the supplementary cardholders, the criteria are:

  • Must be immediate family members of the principal cardholder
  • Minimum age 18 years old
  • No minimum income requirement

Documents to apply for Alliance credit card:

Found your ideal Alliance credit card? Next step is to prepare these documents to complete your application.

Salaried employee:

MNC/PLC Employee

Non-MNC/PLC Employee

NRIC copy (both sides) / passport copy, and

NRIC copy (both sides) / passport copy, and

Latest 1-month payslip, or

Latest 3 months payslip

Latest EA form, or

Latest 3 months bank or EPF statement, or

Latest EPF statement, or

Latest Borang BE with official tax receipt / bank-in slip

Latest Borang BE with official tax receipt / bank-in slip

 

Self employed:

  • NRIC copy (both sides) / passport copy
  • Business Registration Form & Form D (or Form 24, 49, 9)

plus ONE of the documents below:

  • Latest EPF statements (dated < 3 months old with a listing of at least 6 monthly contributions)
  • Latest 6 months bank statements
  • Tax Return Form with a tax receipt

How do I pay my Alliance Bank credit card bills?

There are a few ways to pay your Alliance bills, such as:

  • Cash or cheque at Alliance Bank branches nationwide
  • Standing Instruction (via deduction from your Alliance Bank savings or current account)
  • Cheque Xpress/Cash Deposit Machines at selected branches
  • Internet banking via allianceonline
  • Automated Teller Machine (ATM)
  • MEPS IBG at participating financial institutions

What are my obligations as Alliance credit card owner?

As an Alliance credit card owner, here are the things that you should do to keep using your credit card seamlessly and avoiding the penalty:

  1. Your Alliance credit card min. monthly repayment must be 5% of the outstanding balance or RM50 (whichever is higher)
  2. Finance charges free period is 20 days from the Statement of Account of the new retail transaction (provided there’s no outstanding balance)
  3. If you fail to pay your Alliance credit card in full and on time, your finance charges on retail transactions will be calculated from the posting date of the transactions
  4. Alliance Bank Principal Cardholders are liable to all transactions incurred by the Supplementary Cardholders

What should I do if I lose my Alliance credit card?

In case your Alliance Bank credit card is lost or stolen, contact your credit card issuer immediately. Alliance Bank Customer Service is ready to help you 24/7 for Emergency Cases and Lost or Stolen Card. Furthermore, remember to lodge a police report about the missing card.

Phone: 03-5516 9988

Email : [email protected]