• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • 0% Instalment Payment Plan at participating merchants
  • Worldwide recognition with 24 hours Customer Service Hotline assistance
Groceries
2.33/10
Shopping
2.33/10
Dining
2.33/10
Entertainment
2.33/10
Travel
2.33/10

Groceries

  • Exclusive privilege and discount at participating merchants

Shopping

  • Exclusive privilege and discount at participating merchants

Dining

  • Exclusive privilege and discount at participating merchants

Entertainment

  • Exclusive privilege and discount at participating merchants

Travel

  • Exclusive privilege and discount at participating merchants

Other Features

  • Balance Transfer

    • 6 months: 0% per annum; min. transfer RM3,000; 0% one-time upfront fee
    • 12 months: 6.99% per annum; min. transfer RM1,000; 0% one-time upfront fee
    • 18 months: 6.00% per annum; min. transfer RM1,000; 0% one-time upfront fee
    • 24 months: 7.99% per annum; min. transfer RM1,000; 0% one-time upfront fee

  • Instalment Plan

    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (Free with min. spending of RM5,000 or 12 card swipes per annum. Else, RM20 per annum)
Min. Monthly Income RM2,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder RM10
Finance charges 15% p.a. – prompt minimum payment for 12 consecutive months

17% p.a. – prompt payment for at least 10 out of 12 months

18% p.a – if any of the above is not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

Up to 80% of credit limit

Cash advance charge

Higher of RM15.90 or 5.3% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Return to Basic Credit Card

Enjoy a "No Frill" Visa Credit Card with exclusive benefit and discounts at participating merchants.

Fees and Charges

The annual fee for the principal card is RM20 which can be waived with a minimum spending of RM5,000 or at least 12 card swipes in a year. For the supplementary card, the annual fee is RM10. Interest rate for this card comes in 3 tiers: 15% per annum (for prompt minimum payments for 12 consecutive months), 17% per annum (for prompt minimum payments for at least 10 out of the last 12 months) and 18% per annum (if you missed more than 2 months of minimum monthly payments in the last 12 months). Late payment charge of RM10 or 1% of outstanding amount (whichever is higher) applies if you miss your minimum monthly repayments.

Are You Eligible For The Alliance Bank Gold Card?

To be the principal cardholder, you will need a monthly income of at least RM2,000 and to be at least 21 years old. You will need to be at least 18 years old to apply for the supplementary card.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Alliance Bank Rewards Younique Card and AmBank Carz Gold Visa Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Alliance Bank credit cards and start comparing today!