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.
Features and benefits of Alliance Bank credit card
Each Alliance Bank 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 needs.
Whether you want to save more when shopping, or 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
Enjoy 1x Timeless Bonus Point on every Ringgit spent with this Alliance Bank credit card. Earn Timeless Bonus Points on all Alliance Bank's financial products and services.
Enjoy up to 8X Timeless Bonus Points when you spend on all of your online transactions.
Enjoy PLATINUM benefits and earn 8X Timeless Bonus Points for your everyday online spending.
Earn 2x Points on overseas retail spends and 1x Point on local retail spends. Convert your Alliance reward points to air miles.
Alliance Bank credit card fees, charges & interest rates 2021
|
Credit Card |
Principal |
Supplementary |
Interest Rate |
|
RM20 |
RM10 |
15% p.a. |
|
|
RM68 |
RM20 |
15% p.a. |
|
|
RM68 |
RM20 |
15% p.a. |
|
|
RM148 |
RM30 |
9% p.a. |
|
|
RM148 |
RM30 |
15% p.a. |
|
|
RM148 |
RM30 |
15% p.a. |
|
|
RM148 |
RM30 |
15% p.a. |
|
|
RM148 |
RM30 |
15% p.a. |
|
|
RM120 |
- |
15% p.a. |
|
|
RM438 |
- |
15% p.a. |
|
|
RM438 |
- |
15% p.a. |
|
|
RM800 |
RM100 |
15% p.a. |
|
|
RM438 |
RM188 |
15% p.a. |
3 Best Alliance Bank Credit Cards 2021:
Who can apply for Alliance Bank credit card?
In general, the principal cardholders must be minimum 21 years old and the principal cardholders must be minimum 18 years old.
| APPLY FOR ALLIANCE BANK CREDIT CARD - ELIGIBILITY | |
|---|---|
| Age of Principal Cardholder | min. 21 years old |
| Age of Supplementary Cardholder | min. 18 years old |
| Nationality | anyone |
| Income Requirement (monthly)* |
|
*Please note that the monthly income requirement for expats might be different
Alliance Bank credit card application
Found your ideal Alliance credit card? The next step is to prepare these documents to complete your application.
| DOCUMENTS TO APPLY FOR ALLIANCE BANK CREDIT CARD | ||
|---|---|---|
| MNC/PLC/GLC Employee | Non MNC/PLC/GCL Employee | Self Employed |
| NRIC copy (both sides) or a passport copy, and | NRIC copy (both sides) or a passport copy, and | Business Registration Certificate/Trading License/Form 9, Form 24, Form 49 and |
| EPF & latest 1 month payslip, or | EPF & latest 3 months bank statements, or | Latest 6 months company bank statements or |
| Last 3 months payslip & 1 month bank statement or |
EPF, latest payslip & latest 3 months bank statements | Borang B with 3 months bank statements |
| Latest Borang BE & 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:
- Your Alliance credit card min. monthly repayment must be 5% of the outstanding balance or RM50 (whichever is higher)
- Finance charges free period is 20 days from the Statement of Account of the new retail transaction (provided there’s no outstanding balance)
- 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
- 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]