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

Get Free Flights from MAS
Redeem flights at a rate of 6000 TBP= 1000 Enrich Miles (MAS)

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

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

Earn | Spent |
---|---|
2 Timeless Bonus Points on every RM1 spent. | on all utility payments and overseas expenses |
1 Timeless Bonus Points on every RM1 spent | on all local spending |
- Your bonus points will never expire.
- Petrol and government transactions do not earn bonus points.
- Use your bonus points to earn amazing gifts, gadgets, and even air miles!
Alliance Bank Flexible Payment Plan

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.
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 |
Fees and Charges
Annual fee |
|
---|---|
Annual Fee for Supplementary Card | RM31.80 |
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Cash withdrawal fee | RM15.90 or 5.30% of withdrawn amount, whichever is higher |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% |
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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