Alliance Bank Visa Classic credit card

Also available as MasterCard

Alliance Bank Visa Classic

Every swipe on retail purchases locally and overseas brings you closer to next holiday! Redeem up to 1,000 air miles from MAS or AirAsia each time you convert your reward points.

  • 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 

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

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Because you should be rewarded for giving the bank your business

Spend with Alliance Bank Visa 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)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Convert reward points to air miles to enjoy a cheaper or free flight ticket to any destination. Exchange 6,000 TBP for 1,000 Enrich Miles or 3,000 TBP for 1,000 AirAsia BIG Points.

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RM15.00 or 5.00% of withdrawn amount, whichever is higher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 Visa Classic review

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

A classic credit card from Alliance Bank that rewards air miles from Malaysia's biggest airlines. That's not all, this worldwide recognized Alliance Bank Visa Classic is equipped with line of credits for rainy days!

Annual Fee Waiver

The annual fee for primary card is RM68, whereas for supplementary card is RM20. In reality, nobody likes paying annual fee on their credit card. 

That’s why Alliance Bank offers an annual fee waiver when you charge RM5,000 to your Visa Classic in a single year, or make one transaction each month for 12 consecutive months.

Sign up family members with their own supplementary card. You can keep track of everyone’s spending with easy online management, and manage each supplementary card’s credit limit individually.

Timeless Bonus Points

Timeless Bonus Points is a loyalty program for Alliance Bank credit cardholders that rewards you with points when you pay using your Visa Classic credit card. For every Ringgit you have swiped on retail transactions, whether locally or overseas, you earn 1x Timeless Bonus Point.

Timeless Bonus Point will be credited into your account every month. Plus, this loyalty point does not have an expiry date. You can collect as many points you want as long as you can. This rewards points can be redeemed with products, services and air miles.

Airline Miles Redemption

You can now spend your way to your next vacation for free, courtesy of Airlines Miles Redemption with Malaysia Airlines and AirAsia. The conversion rate as follows:

  • 6,000 Timeless Bonus Points into 1,000 Enrich Miles
  • 3,000 Timeless Bonus Points into 1,000 AirAsia BIG Points

The best part of the Timeless Bonus Points is that they are non expiry. You can start sowing your Timeless Bonus Point slowly the moment you have activated the credit card until you have collected enough points to redeem or convert it to air 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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