Alliance Bank Visa Infinite credit card

Alliance Bank Visa Infinite

No limits on your Timeless Bonus Points when you swipe for retail purchases. Fly for free with MAS and AirAsia miles redemption for your next holiday getaway!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM800.00 annual fee
  • Earn up to 5x 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

Spend your Alliance Bank Visa Infinite overseas to get fivefold Timeless Bonus Points; 2x Timeless Bonus Points for every Ringgit swiped in Malaysia. Collect enough TBP to redeem for free flights, lifestyle merchandises or vouchers.
Timeless Bonus Points
5 points on every RM1on all overseas retail spends
2 points on every RM1on all local retail spends
Rewards points earned never expires
Balance Transfer
Start paying off your accumulated credit debt with a ZERO interest for up to 6 months with a minimum transfer of RM3,000 only.
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.
Enjoy free flights or bump onto first class with air miles conversions. Relax and unwind in over 850 VIP airport lounges via complimentary Priority Pass Membership. Plus, a travel insurance worth RM2 million when you charged full airline fares to Alliance Bank Visa Infinite.
Travel CoverageSum Insured
Travel InsuranceUp to RM2000000
Delayed FlightUp to RM2000
Missed FlightUp to RM2000
Lost LuggageUp to RM5000
Delayed LuggageUp to RM2000
Enjoy a personalized services at any Alliance Bank branches nationwide, or when you travel with 24/7 VISA Infinite concierge services. Take advantage of a dedicated travel hotline to arrange your all flight bookings, travel packages and hotel accommodation!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM30,000 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 Infinite review

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

A premium travel credit card that is designed to meet the ultimate needs of high net-worth individuals: frequent flyers air miles conversion, personalized concierge services and VIP-class lounges - Alliance Bank Visa Infinite is the name of the game.

Timeless Bonus Points

Timeless Bonus Points (TBP) is an incentive given in the form of reward points, whereby you can collect without limit and then convert it into items of value by redeeming it.

For Alliance Bank Visa Infinite credit cardholders, your Timeless Bonus Points are five times higher than its Platinum, Gold and Classic counterparts when you swipe on retail purchases overseas. Your local spends, meanwhile, get your 2x TBP, except for petrol and government transactions.

Gateway to Free Flights

Yes, your next business or leisure travel plan can be funded with air miles, instead of hard cash or credit payments. 

In partnership with Malaysia Airlines and AirAsia, you can redeem free flight tickets or flight upgrades when you exchange your Timeless Bonus Points with AirAsia BIG Points or MAS Enrich Miles. 

Since you will also be rewarded with TBP annually based on your accumulated spend, Alliance Bank makes it easy for you to convert them at a fair conversion rate. For every 6,000 TBP, you can redeem 1,000 Enrich Miles, or 3,000 TBP for 1,000 AirAsia BIG Points.

Complimentary Airport Lounges

You have two complimentary passes to airport lounges worldwide: Priority Pass Membership and Plaza Premium Lounge, subject to terms and conditions.

To enjoy an unlimited access to over 850 VIP lounges worldwide with Priority Pass Membership, you need to make a cumulative retail spending of RM300,000 in a year on your Alliance Bank Visa Infinite, otherwise, you can settle with 6x complimentary visits for the first calendar year upon the credit card approval date. 

If you have exhausted 6x complimentary visits with Priority Pass Membership, you can always enjoy an unlimited access to Plaza Premium Lounge, only at KLIA. For other premium airport lounges worldwide, you'll get a 20% discount per visit.

Dedicated Travel Assistance

When you are too caught up with works and life, planning for a trip can be stressful. Just call the Alliance Travel Hotline at 1300 30 3388 to have your travel arrangements planned and booked for you!

There's more; have access to the 24/7 Visa Infinite Concierge Service, offering you the best in personalized customer service, 24 hours a day, 7 days a week through the Visa Infinite Customer Center.

Travel with Peace of Mind

Enjoy peace of mind while travelling alone or with your loved ones when you charge the full fares of an overseas trip on your Alliance Bank Visa Infinite. You are automatically insured up to RM2 million in the event of death or permanent disability, and RM50,000 for medical expenses.

Privileged Banking Services

Every time you commit to Alliance Bank's financial products - from credit cards to deposit, home loan, investments and other services - you will be rewarded with Timeless Bonus Points. Plus, you will also experience top-notch treatment from Privilege Banking services.

Lifetime Annual Fee Waiver

You will never have to pay for a single credit card annual fee ever again with the Alliance Bank Visa Infinite. All you have to do is spend a minimum of RM30,000 within 12-months. 

That's RM2,500 a month - let's see, if you charge all your utility bills, phone bill, car and home loan repayment on your card (please make prompt payments) you'll spend RM30,000 in no time!

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