• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    6% p.a.

  • Annual Fee

    RM68

Feature Highlights
  • Up to 1.2% cashback on retail transactions
  • 0% finance charges for first 3 months
  • No-expiry Timeless Bonus Points
Petrol
5.33/10
Groceries
5/10
Shopping
5/10
Entertainment
5/10
Dining
5/10

Petrol

  • Up to 1.2% cashback on retail transactions

Groceries

  • Up to 1.2% cashback on retail transactions
  • 1 Timeless Bonus Point for every RM1 spent

Shopping

  • Up to 1.2% cashback on retail transactions
  • 1 Timeless Bonus Point for every RM1 spent

Entertainment

  • Up to 1.2% cashback on retail transactions
  • 1 Timeless Bonus Point for every RM1 spent

Dining

  • Up to 1.2% cashback on retail transactions
  • 1 Timeless Bonus Point for every RM1 spent

Other Features

  • Protection Plan

    • N/A

  • Balance Transfer

    • Min. transfer amount: RM1,000
    • Repayment tenure and interest rate:
      - 24 months: 6% per annum; 0% one-time upfront fee

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM68 (Free with min. spending of RM5,000 or 12 card swipes in a 12 month period)
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder RM20
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 100% of credit limit

Cash advance charge

Higher of RM15 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

RM12 per month

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Basic No Frills Card

Alliance Bank Classic Card is here to offer you a basic no hassle card as it is beneficial for retail transactions. You will be able to enjoy 1.2% cash back transactions for petrol, dining, entertainment, groceries and shopping. On top of that, you will also be able to enjoy Timeless Bonus Points that do not expire which is 1 Timeless Bonus Points for every RM1 spent on dining, entertainment, groceries and shopping. By swiping this card 12 times a year or with a minimum spending of RM5,000, the annual fee for this card will be waived but if you did not meet the requirements, the annual fee would be RM68. For supplementary cardholders, the annual fee is RM20. You will be able to enjoy a low finance charge of 15% per annum if you settle your payments promptly on time which means settling the minimum payment of 5% from the outstanding balance or RM50 whichever is higher. You will be charged with the finance charges of 17% per annum if you make prompt payments for at least 10 out of 12 months. If any of the requirements are not met, you will be charged with the finance charges of 18% per annum.

Fees and Charges

If you are planning to conduct any balance transfer, you will be able to do so with a minimum transfer amount of RM1,000 with the interest rate of 6% per annum for 24 months with 0% one-time upfront fee.

Are You Eligible For The Alliance Bank Classic Card?

To apply for the Alliance Bank Classic Card, you will need to be at least 21 years old with a minimum income of RM2,000 for principal holder and at least 18 years old for supplementary holder.

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 Rebates Younique Card and Hong Leong American Express Classic 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!