Alliance Bank MasterCard Classic credit card

Also available as Visa

Alliance Bank MasterCard Classic

Earn your way to free air tickets from Malaysia Airlines and Air Asia wherever you swipe. Book your next holiday with reward points that never expire!

  • 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 an Acer Iconia One 7 and Win a RM1,888 Tesco Voucher!

Get an Acer Iconia One 7 and Win a RM1,888 Tesco Voucher!

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

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

Get RM200 ShopBack Cashback with A New Alliance Credit Card!

Get RM200 ShopBack Cashback with A New Alliance Credit Card!

15,000 BIG Points in a Flash Only with Alliance Credit Card

15,000 BIG Points in a Flash Only with Alliance Credit Card

Apply online now for Alliance Bank MasterCard Classic

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Because you should be rewarded for giving the bank your business

Collect 1x Timeless Bonus Points for every Ringgit you swiped on retail overseas and locally with Alliance Bank MasterCard Classic. Timeless Bonus Points can be exchanged to products, services, vouchers and even air miles!
Alliance Bank Timeless Rewards
1 point on every RM1on all local and overseas spending
Rewards points earned never expires
Balance Transfer
Start paying off your accumulated credit debt with a low interest balance transfer starting from 6% p.a. 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 RM3000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
24 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Get more air miles when spending with your Alliance Bank MasterCard Classic. Exchange 6,000 Timeless Bonus Points for 1,000 Enrich Miles.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • 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


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
Malaysians Only


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 a classic MasterCard that rewards you for every spend. Handle your payment conveniently, via Pin & Pay or contactless method, and collect reward points effortlessly!

Timeless Bonus Points

Grab a little something from the bank for going entirely electronic with your payments. Alliance Bank MasterCard Classic gives you 1x Timeless Bonus Points, which is equal to every RM1, for every retail transaction made locally and overseas.

Your Alliance Bank Timeless Points will be tallied and added to your account. And since they never expire (they are timeless afterall), you can save them up to redeem anything you want from Alliance Bank's rewards catalogue ranging from products, services, vouchers and air miles!

Travel Miles

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.

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 – so you don’t blow up the credit limit of your primary account.

Apply Requirements

It’s easy to apply online! Regular income earners with a minimum income of RM24,000 annually, or RM2,000 a month and at least 21 years of age can apply. Credit card approval will also depend on your credit rating – that means paying all loans and previous credit card bills in a timely manner.

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