Alliance Bank Visa Gold credit card

Also available as MasterCard

Alliance Bank Visa Gold

Enjoy great discounts, rewards points that never expire, Airlines Miles Redemption with MAS and AirAsia, annual fee waivers and many more when you sign up for Alliance Bank Visa Gold.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM148.00 annual fee
  • Earn up to 2x reward points 

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

Charge RM1 on utility bills and retail purchases, locally and overseas, to Alliance Bank credit card, earn up to 2x Timeless Bonus Points.
Timeless Bonus Points
2 points on every RM1on all overseas retail spends
2 points on every RM1on all utility payments
1 point on every RM1on all local retail spends
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 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; 3,000 TBP for 1,000 BIG Points from AirAsia.

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 Gold review

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

Introduce a VISA Gold credit card that rewards points on your purchases, double the points when you pay your bills and shop overseas! Get more value when swiping your Alliance Bank credit card.

Annual Fee Waiver

Enjoy annual fee waiver for the first year, on the house. Whereas for the second year onward, you can get your Alliance Bank credit card's annual fee waived by spending a minimum RM5,000 in a year, or swipe 1 time a month for up to 12 months.

Timeless Bonus Points

Alliance Bank Visa Gold comes with more perks than just ease of payment. The Timeless Bonus Points, which is an incentive to keep all your payments cashless.

For every RM1 charged to your Alliance Bank credit card, you will get 1x TBP on retail purchases made locally; 2x TBP for retail purchases overseas and on utility bills. The best part about TBP is that it is non-expiry. So, spend more and take your time to reap the benefit.

Airline Miles Redemption

What can you do with a load of rewards points? Redeem air miles to enjoy free flights from Malaysia Airlines. Under Alliance Bank’s Airline Miles Redemption you can get 1,000 Enrich Miles with 6,000 TBP conversion, or 3,000 TBP conversion for 1,000 BIG Points.

20 Days Interest Free

More financial flexibility with your Visa Gold – swipe first and repay what you owe within 20 days at 0% interest charges. This grace period is perfect for costly emergencies, whether it’s a car repair or an unexpected medical bill before the end of the month when the salary cheques clear.

Credit Card Services

Owning an Alliance Bank credit card comes with flexible credit lines that you can use when desperate time calls for desperate measure:

  • Alliance Bank Balance Transfer Plan – grab special low interest rates when you move your outstanding credit from another bank to your Visa Gold
  • Alliance Bank FastCash – get cash withdrawals using your Visa Gold at low interest rates for up to 36 months
  • 0% Instalment Payment Plan at participating merchants
  • Cash Advance of up to 100% of your credit card limit.

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