11 July 2025

Revision to Alliance Bank Credit Card Product Features and Fees & Charges

Announcement

Dear Valued Customers,

We have updated the Product Features and Fees & Charges for Alliance Bank Credit Cards, as per below.

The changes will take effect on 1st August 2025. Please refer to the tables below for more details.

Table 1 - Alliance Bank Visa Platinum Credit Card

Benefits	Current	New (Effective 1st August 2025)
Timeless Bonus Point (TBP)	8X TBP for every RM1 spent on e-Commerce transactions, capped at RM3,000 per statement cycle	5X TBP for every RM1 spent on Overseas transactions
	8X TBP for every RM1 spent on e-Wallet top-up transactions, capped at RM3,000 per statement cycle	5X TBP for every RM1 spent on Dining, Groceries, Petrol, Essentials (Drugstore, Pharmacy, Convenience Stores) transactions
	3X TBP for every RM1 spent on Overseas & Dining transactions	1X TBP for every RM1 spent on other Domestic retail transactions
	1X TBP for every RM1 spent on all Contactless, Entertainment, Auto-Billing and other retail transactions

Table 1 - Alliance Bank Visa Platinum Credit Card

Benefits	Current	New (Effective 1st August 2025)
Timeless Bonus Point (TBP)	8X TBP for every RM1 spent on e-Commerce transactions, capped at RM3,000 per statement cycle	5X TBP for every RM1 spent on Overseas transactions
	8X TBP for every RM1 spent on e-Wallet top-up transactions, capped at RM3,000 per statement cycle	5X TBP for every RM1 spent on Dining, Groceries, Petrol, Essentials (Drugstore, Pharmacy, Convenience Stores) transactions
	3X TBP for every RM1 spent on Overseas & Dining transactions	1X TBP for every RM1 spent on other Domestic retail transactions
	1X TBP for every RM1 spent on all Contactless, Entertainment, Auto-Billing and other retail

Notes:

For all Instalment Payment Plan (IPP), Flexi Payment Plan (FPP), JomPay and FPX transactions, you will earn 1X TBP for every RM1 transaction.
For transactions made using Samsung Pay or Google Pay, you will earn TBP based on the spend categories listed above.

The above revision is only for Alliance Bank Visa Platinum Credit Card (physical) and is not applicable to Alliance Bank Visa Platinum Virtual Credit Card. There are no changes to the current features of Alliance Bank Visa Platinum Virtual Credit Card.

Table 2 - Alliance Bank Visa Infinite Credit Card

Benefits	Current	New (Effective 1st August 2025)
Timeless Bonus Point (TBP)	8X TBP for every RM1 spent on e-Commerce transactions, capped at RM3,000 per statement cycle	10X TBP for every RM1 spent on Overseas transactions
	8X TBP for every RM1 spent on e-Wallet top-up transactions, capped at RM3,000 per statement cycle	10X TBP for every RM1 spent on Overseas transactions
	5X TBP for every RM1 spent on Overseas, Groceries & Dining transactions	1X TBP for every RM1 spent on Domestic transactions
	1X TBP for every RM1 spent on all Contactless, Entertainment, Auto-Billing and other retail transactions	1X TBP for every RM1 spent on Domestic transactions
Other Benefits	0% Flexi Payment Plan for 3 months for all flight purchase & hotel booking and all overseas spend upon requests	0% Flexi Payment Plan for 3 months for all flight purchase & hotel booking and all overseas spend upon requests
	2x complimentary Plaza Premium Lounge access per calendar year for Principal Cardholders only	2x complimentary Plaza Premium Lounge access per calendar year for Principal Cardholders only, for first year. For subsequent years, unlimited access upon meeting retail spending of RM120,000 per annum¹
	1X complimentary Travel Club Lounge access per calendar year for Principal Cardholders only	1X complimentary Travel Club Lounge access per calendar year for Principal Cardholders only, for first year. For subsequent years, unlimited access upon meeting retail spending of RM120,000 per annum¹

Table 2 - Alliance Bank Visa Infinite Credit Card

Benefits	Current	New (Effective 1st August 2025)
Timeless Bonus Point (TBP)	8X TBP for every RM1 spent on e-Commerce transactions	10X TBP for every RM1 spent on Overseas transactions
	8X TBP for every RM1 spent on e-Wallet top-up transactions, capped at RM3,000 per statement cycle	10X TBP for every RM1 spent on Overseas transactions
	5X TBP for every RM1 spent on Overseas, Groceries & Dining transactions	1X TBP for every RM1 spent on Domestic transactions
	1X TBP for every RM1 spent on all Contactless, Entertainment, Auto-Billing and other retail transactions	1X TBP for every RM1 spent on Domestic transactions
Other Benefits	0% Flexi Payment Plan for 3 months for all flight purchase & hotel booking and all overseas spend upon requests	0% Flexi Payment Plan for 3 months for all flight purchase & hotel booking and all overseas spend upon requests
	2x complimentary Plaza Premium Lounge access per calendar year for Principal Cardholders only	2x complimentary Plaza Premium Lounge access per calendar year for Principal Cardholders only, for first year. For subsequent years, unlimited access upon meeting retail spending of RM120,000 per annum¹
	1X complimentary Travel Club Lounge access per calendar year for Principal Cardholders only	1X complimentary Travel Club Lounge access per calendar year for Principal Cardholders only, for first year. For subsequent years, unlimited access upon meeting retail spending of RM120,000 per annum¹

Notes:

Unlimited access per calendar year is granted upon meeting a minimum annual retail spend of RM120,000 per calendar year. Cardholders who did not meet this minimum spend will receive access based on the prevailing entitlement.
For all Instalment Payment Plan (IPP), Flexi Payment Plan (FPP), JomPay and FPX transactions, you will earn 1X TBP for every RM1 transaction.
For transactions made using Samsung Pay or Google Pay, you will earn TBP based on the spend categories listed above.

Table 3 - Alliance Bank Credit Card Fees & Charges

Fees & Charges	Current	New (Effective 1st August 2025)
Cash Advance Fee	5.00% of the Cash Advance amount or a minimum of RM15.00, whichever is higher, per transaction.	1.25% of the Cash Advance amount or a minimum of RM3.00, whichever is higher, per transaction.
Credit Card Replacement Fee	RM15.00 per Visa Basic Card replaced RM50.00 per card for all other credit cards replaced	RM15.00 per Visa Basic Card replaced RM18.00 per card for all other credit cards replaced

Table 3 - Alliance Bank Credit Card Fees & Charges

Fees & Charges	Current	New (Effective 1st August 2025)
Cash Advance Fee	5.00% of the Cash Advance amount or a minimum of RM15.00, whichever is higher, per transaction.	1.25% of the Cash Advance amount or a minimum of RM3.00, whichever is higher, per transaction.
Credit Card Replacement Fee	RM15.00 per Visa Basic Card replaced RM50.00 per card for all other credit cards replaced	RM15.00 per Visa Basic Card replaced RM18.00 per card for all other credit cards replaced

Table 4 - Alliance Bank Credit Card Annual Fees

Annual Fee	Current		New (Effective 1st August 2025)
Annual Fee	Principal	Supplementary	Principal	Supplementary
Classic	68	20	20	Waived
Visa Basic	20	10	Waived	Waived

Table 4 - Alliance Bank Credit Card Annual Fees

Annual Fee	Current		New (Effective 1st August 2025)
Annual Fee	Principal	Supplementary	Principal	Supplementary
Classic	68	20	20	Waived
Visa Basic	20	10	Waived	Waived

Note: No changes to the Annual Fees of other Alliance Bank Credit Cards that are not stated above.

Table 5 - Alliance Bank Credit Card Annual Fee Waiver & Conditions

Card Type	Current		New (Effective 1st August 2025)
Card Type	Condition 1: Minimum spend per annum	Condition 2: Minimum number of swipes per annum	New (Effective 1st August 2025)
Visa Infinite	RM12,000	-	Discontinued
Visa Signature	RM12,000	-
Visa Platinum	-	12
MasterCard Platinum	RM5,000	12
MasterCard You:nique	RM5,000	12
Gold	RM5,000	12
Classic	RM5,000	12
Visa Basic	RM5,000	12

Table 5 - Alliance Bank Credit Card Annual Fee Waiver & Conditions

	Card Type	Current
		Condition 1: Minimum spend per annum	Condition 2: Minimum number of swipes per annum
		Annual Fee Waiver & Conditions (Without Home Financing Facility in Alliance Bank)	Visa Infinite	RM12,000	-	Discontinued
Visa Signature	RM12,000		-
Visa Platinum	-		12
MasterCard Platinum	RM5,000		12
MasterCard You:nique	RM5,000		12
Gold	RM5,000		12
Classic	RM5,000		12
Visa Basic	RM5,000		12

Note: Annual Fee will be waived for the first year. Lifetime Annual Fee Waiver applies to Visa Basic, Virtual Credit Card, Customers with Home Financing Facility in Alliance Bank, Alliance Privilege Customers (Visa Infinite, Visa Signature and Visa/MasterCard Platinum) and Alliance Personal Customers (Visa Signature and Visa/MasterCard Platinum only).

Table 6 - Alliance One Bank Reward (AOBR) Program

Participating Products		Current	New (Effective 1st August 2025)
Bancassurance	Single Premium	500 TBP for every RM10,000 (applicable to Manulife Insurance Products only)	Discontinued
Bancassurance	Regular Premium
Investments	Unit Trust	500 TBP for every RM10,000 (applicable to participating products)
	Retail Bond
	Structured Investment
	Credit Linked Investment
	Equity Linked Investment
	Unit Trust External Transfer-in	50 TBP for Every RM10,000
Dual Currency Investment Applicable to roll over amount (per week)		25 TBP for every RM10,000 (Maximum points issuance per month is 5,000)
Foreign Exchange		500 TBP for every RM50,000
Share Margin Financing		50 Timeless Bonus Points for every RM 10,000 (Average outstanding balance)
Share Trading		50 Timeless Bonus Points for every RM 10,000 ABMB (Total trading volume: Excludes intraday)
Share Trading (ABMB External Margin) Effective 1st August 2014		10 Timeless Bonus Points for every RM 10,000 (Total trading volume. Excludes intraday)

Table 6 - Alliance One Bank Reward (AOBR) Program

Participating Products		Current	New (Effective 1st August 2025)
Bancassurance	Single Premium	500 TBP for every RM10,000 (applicable to Manulife Insurance Products only)	Discontinued
Bancassurance	Regular Premium
Investments	Unit Trust	500 TBP for every RM10,000 (applicable to participating products)
	Retail Bond
	Structured Investment
	Credit Linked Investment
	Equity Linked Investment
	Unit Trust External Transfer-in	50 TBP for Every RM10,000
Dual Currency Investment Applicable to roll over amount (per week)		25 TBP for every RM10,000 (Maximum points issuance per month is 5,000)
Foreign Exchange		500 TBP for every RM50,000
Share Margin Financing		50 Timeless Bonus Points for every RM 10,000 (Average outstanding balance)
Share Trading		50 Timeless Bonus Points for every RM 10,000 ABMB (Total trading volume: Excludes intraday)
Share Trading (ABMB External Margin) Effective 1st August 2014		10 Timeless Bonus Points for every RM 10,000 (Total trading volume. Excludes intraday)

Please refer to the revised Product Disclosure Sheet and Cardholders Agreement which will take effect on 1st August 2025.

https://www.alliancebank.com.my/Alliance/media/Documents/Cards/Personal/Credit-Cards/Credit-Card-Product-Disclosure-Sheet-PDS-EN.pdf https://www.alliancebank.com.my/Credit-Card-Product-Disclosure-Sheet-PDS-EN.pdf
https://alliancebank.com.my/Alliance/media/Documents/Cards/Personal/Credit-Cards/Alliance_Bank_CC_Cardholder_Agreement.pdf https://alliancebank.com.my/Alliance_Bank_CC_Cardholder_
Agreement.pdf
We would like to thank you again for your continued support and we look forward to serving you better.

Thank You
Alliance Bank Malaysia Berhad.