Credit Cards

There Are So Many Ways To Give Yourself Credit.

Choose from a range of cards that enhances your lifestyle.

 

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Credit Card type
Credit Card usage
Visa Virtual Credit Card (allianceonline mobile app)
Visa Virtual Credit Card (allianceonline mobile app)

• The 1st Virtual Credit Card in Malaysia with the most secure feature.   • Dynamic Card Number to protect your identity.   • Zero Annual Fee.

Min Income

RM24,000 p.a.

Annual Fee

Free*

Timeless Bonus Points

8x

Visa Infinite Credit Card
Visa Infinite Credit Card

Indulge in INFINITE life’s luxuries. Get 8x Timeless Bonus Points on all online purchases and e-wallet top-ups.
• Airport Lounge Complimentary Access

Min Income

RM60,000 p.a.

Annual Fee

RM438

Timeless Bonus Points

8x

Visa Signature Credit Card for Alliance Privilege
Visa Signature Credit Card for Alliance Privilege

Up to 8% cashback on the most versatile card for your business and personal needs.
• Airport Lounge Complimentary Access
• 0% Buy Now, Pay Later

Min Income

RM48,000 p.a.

Annual Fee

RM148

Cashback

up to 8%

Visa Signature Credit Card
Visa Signature Credit Card

Extraordinary cashback, up to 5% on all purchases

 

Min Income

RM48,000 p.a.

Annual Fee

RM148

Cashback

up to 5%

Visa Platinum Credit Card
Visa Platinum Credit Card

Paint your life PLATINUM with 8x Timeless Bonus Points on all online purchases and e-wallet top up.
 

Min Income

RM24,000 p.a.

Annual Fee

RM120

Timeless Bonus Points

8x

Visa Basic Credit Card
Visa Basic Credit Card

Low annual fee, zero-frills credit card.

 

Min Income

RM24,000 p.a.

Annual Fee

RM20

Visa Virtual Credit Card (RinggitPlus)
Visa Virtual Credit Card (RinggitPlus)

• The 1st Virtual Credit Card in Malaysia with the most secure feature.   • Dynamic Card Number to protect your identity.   • Zero Annual Fee.

Min Income

RM24,000 p.a.

Annual Fee

Free*

Timeless Bonus Points

8x

Visa Virtual Credit Card (redONE)
Visa Virtual Credit Card (redONE)

• Easily manage your account, pay bills, and earn rewards with the redONE 1App.   • Zero Annual Fee.

Min Income

RM24,000 p.a.

Annual Fee

Free*

Timeless Bonus Points

8x

Visa Virtual Credit Card (MCash)
Visa Virtual Credit Card (MCash)

• A fun eWallet where you can play games and win prizes.   • Zero Annual Fee.

Min Income

RM24,000 p.a.

Annual Fee

Free*

Timeless Bonus Points

8x

Visa Virtual Credit Card (Dental Mall)
Visa Virtual Credit Card (Dental Mall)

• An online store for professionals to purchase dental goods.   • Zero Annual Fee.

Min Income

RM24,000 p.a.

Annual Fee

Free*

Timeless Bonus Points

8x

Visa Virtual Credit Card (Virtual Flex)
Visa Virtual Credit Card (Virtual Flex)

• A world of digital payments with improved security and rewarding features.   • Zero Annual Fee.

Min Income

RM24,000 p.a.

Annual Fee

Free*

Timeless Bonus Points

8x

Visa Virtual Credit Card (WOWNations)
Visa Virtual Credit Card (WOWNations)

• Offers you with a once-in-a-lifetime chance to start a “techno-entrepreneur” business.   • Zero Annual Fee.

Min Income

RM24,000 p.a.

Annual Fee

Free*

Timeless Bonus Points

8x

You:nique Gold Credit Card
You:nique Gold Credit Card

Choose from low annual interest rate, unlimited cashback or 1x Timeless Bonus Points.
• Low rates

Min Income

RM24,000 p.a.

Annual Fee

RM148

Cashback

up to 3%

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FAQs about Alliance Bank Malaysia's Credit Cards

Alliance Bank Malaysia offers a comprehensive range of credit cards to meet your every spending need. From physical credit cards to virtual credit cards (we are the first bank in Malaysia to offer these), our range of credit cards* have a variety of features that will delight you, including Cashback, Timeless Bonus Points (no expiry), Complimentary Airport Lounge Access, 0% Instalment Payment Plan and many more. Enjoy enhanced security with randomly generated 16-digit card number and free-for-life annual fees with virtual cards.

*Features may vary depending on the type of physical / virtual credit card.
To be eligible to apply for credit cards from Alliance Bank Malaysia, you must be at least 21 years old and above. The minimum income requirement is RM24,000 per annum and it varies depending on the type of credit card that you wish to apply for.
To apply for Alliance Bank Malaysia’s Credit Card online, you may do so via allianceonline mobile app with 5 simple steps below:-
  1. Download the allianceonline mobile app.
  2. Select your preferred Credit Card.
  3. Take a selfie and scan your MyKad.
  4. Complete the e-form with your signature.
  5. Upload your income documents.
Once your online application credit card is approved, you must activate your card and set your 6-digit pin quickly and easily via alliancebank.com.my/cpin.

You may download Allianceonline mobile app into your mobile devices:

For Google Play, click here to download.

For Apple App Store, click here to download.

For Huawei’s AppGallery, click here to download.
Yes. the Timeless Bonus Points and/or cashback for eWallet reloads, however, will be subject to the respective Terms & Conditions which can be found in Alliance Bank Credit Card Product Disclosure Sheet.
Make the most of your credit card by requesting a higher credit limit for financial flexibility and in the event of an emergency. Here’s how it’s done:-
  1. Download and complete the Permanent Credit Limit Increase form
  2. Prepare the latest income documents.
  3. Return the completed form and income documents to any Alliance Bank branch in Malaysia or email them to info@alliancefg.com.
*To request a Temporary Credit Limit increase, please contact the Contact Centre at 03-5516 9988.
On a monthly basis, you will receive your credit card statement through email OR login to allianceonline to view e-statement by following the steps below
  1. Login to allianceonline
  2. Select e-Statement
  3. Select desired account, then select Statement Period by “Month/Year”
  4. Click the “Download” button
You will enjoy Annual Fee waiver (no annual fee) for the first year. Thereafter, the annual fee will be waived if the respective Terms & Conditions for each Alliance Bank Malaysia’s Credit Card are met, as detailed in the Alliance Bank Malaysia’s Credit Card Product Disclosure Sheet.
The minimum payment is 5% of outstanding balance or minimum RM50, whichever is higher.
If you have made full payment on time for the amount owed, you will enjoy a 20-day finance charges free period from the date of the Statement of Account.

If you do not pay in full and on time, finance charges on the retail transactions will be calculated from the posting date of the respective transactions.
Call us at 03-5516 9988 between 8.00am to 10.00pm daily local time for enquiries. We are available 24/7 for essential services below:

- Report lost or stolen card
- Emergency assistance

you may also email to us at info@alliancefg.com

Our self-service phone banking is available 24 hours a day, seven days a week.
One of the best features from Alliance Bank Malaysia’s credit cards, Timeless Bonus Points (TBP) are bonus points that never expire, can be earned from more than just credit cards (deposits, loans, unit trusts and more) and exclusive deals with lower points redemption every quarter.

The fastest way to redeem Timeless Bonus Points is via our online redemption form. Alternatively, you may call the Bank at 03 5516 9988 or walk in to any of our branches.