Apply for Alliance Bank MasterCard Platinum by Alliance Bank

Product Highlights

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
3 Timeless Bonus Points on every RM1.	on all overseas spending.
2 Timeless Bonus Points on every RM1 spent.	on petrol, grocery and utility payments
1 Timeless Bonus Points on every RM1 spent.	on all other local spending

Your bonus points will never expire.
Petrol and government transactions do not earn bonus points.
Use your bonus points to earn 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	RM464.28. 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	Free
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Cash withdrawal fee	RM15.90 or 5.30% of withdrawn amount, whichever is higher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 60,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old