Visa Virtual Credit Card (allianceonline mobile app)
Your Identity And Finances,
Protected.
Stay guarded by masking your real credit card number
with a virtual dynamic one.
APPLY NOW
The smart virtual credit card that allows you to make online payments efficiently and effortlessly.
16-digit card number that changes every 30 minutes for security purposes.
Benefits
- Malaysia’s 1st in-app Virtual Credit Card
- Secured Payment Tool
- Hassle-free Application
- Zero Annual Fee
- Now Enabled with Google Pay and Samsung Pay
Rewards
8x Three-year Bonus Points (TBP) with e-Commerce transactions1and eWallet top-up2
1x TBP for all other transactions
No Annual Fee
TBP three (3) year validity period Important Note
|
Card Features
PROTECT YOUR IDENTITY & FINANCES Disguise your actual
card number
card number
Enjoy enhanced security with the randomly generated
16-digit number that is valid for only 30 minutes each
time you need to make a payment. Use your virtual
credit card with the peace of mind that comes with
protecting your real credit card number from
potential fraud.
BE IN CHARGE Seamlessly manage all
of your virtual cards
of your virtual cards
Freeze, unfreeze or delete your virtual cards at any
time. Simply set the spending limit, or manage your
recurring payments on your card to enjoy greater
control over your online shopping experience.
SIMPLIFY YOUR TRANSACTIONS Scan and pay at any
merchants via DuitNow
merchants via DuitNow
Pay easily at selected merchants and enjoy rewards
with your virtual credit card.
PAY THE BILLS THE EASY WAY Settle your bills conveniently
Pay your bills from anywhere you are without
any worry.
Get more out of your credit Leverage on the flexibility
of your credit limit
of your credit limit
Set your repayments to suit your needs.
Enjoy attractive profit rates from as low as 9.88% p.a.
when you set 12, 24 or 36 fixed instalments.
Apply in 3 simple steps
1
Download allianceonline mobile app.
2
Tap on ‘Virtual Credit Card’ and scan your MyKad.
3
Upload your income documents.
Once your Virtual Credit Card application has been approved, you can instantly enjoy a cardless shopping experience, perform online banking on the go and more.
Eligibility & Required Documentation
Who can apply?
- Principal Cardholders, 21 years old and above
- Annual Income of Minimum RM24,000 p.a.
- Copy of NRIC (both sides) or a copy of a valid passport AND
- EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
- Last 1 month payslip
- Copy of NRIC (both sides) or a copy of a valid passport AND
- EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
- Latest 3 months' payslip & 3 months' bank statements
- Business Registration Certificate/Trading License/Form 9, Form 24, Form 49 AND
- Latest 6 months' bank statements OR
- Latest 1 Year Borang B and Tax receipt/e-Ledger
Introducing the Alliance Bank Visa Virtual Credit Card
Awards and Recognition
FAQs about Alliance Bank Visa Virtual Credit Card
The Alliance Bank Visa Virtual Credit Card (“VCC”) is a fully digital credit line provided by Alliance Bank Malaysia Berhad (“ABMB”).
It functions like a traditional physical credit card but offers faster access and stronger protection.
Key features of the VCC:
It functions like a traditional physical credit card but offers faster access and stronger protection.
Key features of the VCC:
- Instant Activation: Generate a 16-digit dynamic card number immediately after approval.
- Enhanced Security: The card number changes every 30 minutes, reducing the risk of fraud.
- Convenient Online Usage: Ideal for secure online transactions and one-off purchases, as it safeguards your bank account details.
To apply for the VCC, follow these steps:
- Download the allianceonline mobile app (‘AOM’) from the Google Play Store or Apple App Store.
- Tap the VCC icon at the top right of the login page.
- Complete the application by providing your personal and income details.
- Capture and upload clear photos of your NRIC (front and back) and supporting documents (e.g., EPF statement or proof of income).
- Customers will receive the app push notification and SMS notification once a decision has been made on your application.
To be eligible for a Virtual Credit Card with Alliance Bank Malaysia, applicants must meet the following criteria:
- Principal Cardholders, aged 21 years and above
- Annual income of a minimum of RM24,000 p.a.
Below is the full list of required documents for Virtual Credit Card application:
| Applicant Type | Required Documents |
|---|---|
| Salaried Earners | - Copy of NRIC (both sides) - Latest 13-month EPF statement |
| Self-Employed/Commission-Based | - Copy of NRIC (both sides) - Business Registration Certificate (Form 9/24/49) - Latest 6-month bank statements - Latest 1-year Borang B and Tax Receipt/e-Ledger |
The credit limit is determined based on your income and existing financial commitments, as assessed by Alliance Bank Malaysia during the application review. Limits range from a minimum of RM3,000 to a maximum credit limit of RM300,000.
Yes, you can apply for a VCC if you are an existing Alliance Bank Malaysia Credit Card holder. Please refer to the information above for details on how to apply.
With the VCC, you can:
- Generate a dynamic 16-digit card number for online purchases and e-bill subscriptions
- Make JomPAY bill payments
- Perform DuitNow QR payments at merchants that accept credit card payments via DuitNow
- Access Fast Cash features
The Virtual Credit Card offers a range of valuable benefits, including:
Earn Three-year Bonus Points (TBP)
1For eWallet top-up exceeding RM3,000 in each statement cycle, you will earn 1x TBP for every RM1 transaction.
Earn Three-year Bonus Points (TBP)
- 8x TBP for online shopping transactions and eWallet1 top-up
- 3x TBP for Dining
- 1x TBP for all other transactions
1For eWallet top-up exceeding RM3,000 in each statement cycle, you will earn 1x TBP for every RM1 transaction.
No, the RM25 Sales Service Tax (SST) is charged annually on your VCC Static Card only. Creating additional Dynamic Card Numbers does not incur extra SST charges.
No, there are no annual fees for the VCC. However, a government-imposed Sales Service Tax (SST) of RM25 applies.
Yes, a 0% Flexi-Payment Plan (FPP) is available for VCC transactions with a minimum of RM500 spent, valid until 31 December 2025.
The Virtual Credit Card incorporates enhanced security features to safeguard users:
- Customers can make seamless credit card payments on their mobile devices without the need for a physical card, minimising exposure to fraudulent e-commerce transactions.
- Each transaction is assigned a unique 16-digit tokenisation for added security.
- Customers can freeze or unfreeze their Virtual Credit Card instantly via the app without the need to contact the customer service centre, providing added control and security.
To facilitate the creation of one-time card numbers or setting up recurring/subscriptions via the Virtual Credit Card (VCC) for secure online transactions, you may refer to the educational link provided below:
https://www.alliancebank.com.my/Personal/Cards/VCC-AOM-How-to-Use
https://www.alliancebank.com.my/Personal/Cards/VCC-AOM-How-to-Use
The Virtual Credit Card offers the following customisable settings and features for user convenience:
| Subscription Card Settings | Details |
|---|---|
| View/Edit Card | Change the subscription details |
| Card Appearance | Change the style and card colour based on your preference |
| Freeze / Unfreeze Card | Temporarily block all transactions charged. This can be done if you encounter any suspicious transactions. You may also unfreeze the card on your own without calling the bank’s customer service. |
| Delete Card | For VCC cards you no longer need, you may delete them and they will be removed from your app. You will need to re-generate as new number if you wish to continue using VCC |
Yes, you can generate a specific 16-digit card number for subscriptions, set charge limits, manage the number of cards, and define expiry dates for added control.
You can refer to VCC’s “PRODUCT DISCLOSURE SHEET” by clicking on these links:
English:
https://www.alliancebank.com.my/Alliance/media/Documents/Cards/Personal/Credit-Cards/Credit-Card-Product-Disclosure-Sheet-PDS-EN.pdf
BM:
https://www.alliancebank.com.my/Alliance/media/Documents/Cards/Personal/Credit-Cards/Credit-Card-Product-Disclosure-Sheet-PDS-BM.pdf
English:
https://www.alliancebank.com.my/Alliance/media/Documents/Cards/Personal/Credit-Cards/Credit-Card-Product-Disclosure-Sheet-PDS-EN.pdf
BM:
https://www.alliancebank.com.my/Alliance/media/Documents/Cards/Personal/Credit-Cards/Credit-Card-Product-Disclosure-Sheet-PDS-BM.pdf
VCC will only support those Duitnow QR Merchants that accept a line of credit.
You can view your monthly Virtual Credit Card statements anytime via allianceonline mobile app.
You can pay your outstanding Virtual Credit Card bill using one of these methods:
- Option 1: Log in to the allianceonline mobile app, select 'Pay Card,' and choose Visa Virtual Credit
- Option 2: Access your e-statement, refer to the Virtual Credit Card account, and pay via bank fund transfers
The Virtual Credit Card operates on a single sign-on system. When you log in to the Virtual Credit Card on a new device, the old device will automatically be logged out. The new device is verified using a One-Time-PIN (OTP) for security.
For any inquiries regarding the Virtual Credit Card, you can contact the Alliance Bank Contact Centre at +603-5516 9988.
The contact centre is available every day from 8 am to 10 pm.
The contact centre is available every day from 8 am to 10 pm.
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