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Alliance Bank MasterCard Classic

Alliance Bank MasterCard Classic

Earn up to 1X Timeless Bonus Points that can be exchanged for excellent rewards, shopping deals, or to get free flights!

Interest Rate

15.0% p.a.

Balance Transfer

6.0% p.a.

Cashback

N/A

Annual Fee

Free*

No expiry
Timeless Bonus Points

Earn up to 3X Timeless Bonus Points that you can use for shopping or to redeem free flights!

Travelling
Get Free Flights from MAS

Redeem flights at a rate of 6000 TBP= 1000 Enrich Miles (MAS)

Cash advance
Cash Advance Facility

Withdraw a cash advance of up to 100% of your credit limit.

Free
20 days Interest-Free Period

Pay zero interest for retail transactions if payment is made within 20 days (only if all retail transactions for the previous month are paid for by the due date).

Features

Rewards

Local rewards
Earn Spent
1 Timeless Bonus Points on every RM1 spent on all local and overseas spend
  • Your bonus points will never expire.
  • Petrol and government transactions do not earn bonus points.

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
12 months 6.99% p.a. and no one-time upfront handling fee from RM1000
18 months 6% p.a. and no one-time upfront handling fee from RM1000
24 months 7.99% p.a. and no one-time upfront handling fee from RM1000

Alliance Bank Flexible Payment Plan

Flexi payment
Pay Over With Interest Rate At When You Spend
6 months 2.5% one-time upfront handling fee from RM500
12 months 5.5% one-time upfront handling fee from RM500
18 months 7% one-time upfront handling fee from RM1000
24 months 8% one-time upfront handling fee from RM1000
  • Flexible Payment Plan (FPP) allows you to convert any retail purchases made with your Alliance Bank Credit Card at any merchant into manageable fixed installment amounts.

Fees and Charges

Annual fee
  • RM72.08. Free for the first 3 years.
  • Waived when you swipe 12 times a year.
  • Waived when you spend RM5,000 a year.
Annual Fee for Supplementary Card RM21.20
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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