Alliance Bank MasterCard Classic credit card

Also available as Visa

Alliance Bank MasterCard Classic

Collect reward points with every Ringgit spent and redeem air miles from Malaysia Airlines and AirAsia. Get annual fee waiver when swipe at least 12 times in a year.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM68.00 annual fee
  • Earn up to 1x reward point 

Get 2x Barry Smith 20" Luggage Bag!

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

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Because you should be rewarded for giving the bank your business

Spend with Alliance Bank MasterCard Classic in Malaysia and overseas because for every Ringgit swiped on retail transaction, you earn 1x Timeless Bonus Point.
Alliance Bank Timeless Rewards
1 point on every RM1on all local and overseas spending
Rewards points earned never expires
Balance Transfer
Enjoy low interest rates and flexible repayment terms up to 24 months when you transfer a minimum outstanding balance of RM1,000 into Alliance Bank credit card.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3000 
12 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
24 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
0% p.a. Instalment Payment Plan at participating merchants.
Convert rewards points into air miles to enjoy a cheaper or free flight ticket to any destination. Only 6,000 TBP for 1,000 Enrich Miles from Malaysia Airlines.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
80% of total amount


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Cash Advance / Cash Loan
Alliance Bank FastCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Alliance Bank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Alliance Bank MasterCard Classic review

What's so good (or not so good) about it?

Go cashless with Alliance Bank MasterCard Classic, which is recognized and accepted worldwide. Handle your payment conveniently via Pin & Pay or contactless method, and collect reward points effortlessly!

Annual Fee Waiver

Nobody likes paying annual fee on their credit card, that’s why Alliance Bank is offering an annual fee waiver when you charge RM5,000 to your MasterCard Classic in a single year, or make one transaction each month for 12 consecutive months.

Sign up family members with their own supplementary card for a small fee of RM20 annually. Keep track of everyone’s spending with easy online management, and manage each supplementary card’s credit limit individually.

Timeless Bonus Points

For choosing a credit card payment method when you make retail transactions, you will be rewarded with a loyalty point. Just charge minimum RM1 to your Alliance Bank credit card, locally and overseas, you earn 1x Timeless Bonus Point.

This loyalty points will be credited into your account every month. That’s not all, the Timeless Bonus Points never expire. So, you can keep collecting them to redeem anything you want from Alliance Bank's rewards catalogue.

Air Miles Redemption

It's not common for a classic credit card to reward air miles like what Alliance Bank MasterCard Classic does. In partnership with Malaysia Airlines and AirAsia, you could be flying on either or both airlines for free, courtesy of Airline Miles Redemption.

Here's how it works: for every 6,000 TBP you have collected on your MasterCard Classic, you can convert to 1,000 Enrich Miles.

Credit Facilities

There are more than one flexible credit lines you can use from this credit card:

  • Balance Transfer Plan
  • 0% Instalment Payment Plan
  • FastCash instalment plan

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