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Alliance Bank Gold Card

Enjoy 2x Timeless Bonus Points on overseas retail and 1x Timeless Bonus Points on domestic utility spending. Convert the points into air miles and get your free flight!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    -
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • 2x Timeless Bonus Points on overseas retail spending
  • Exclusive privileges and discounts at participating merchants
  • No-expiry Timeless Bonus Points
Travel
6.33/10
Petrol
5.33/10
Groceries
5.33/10

  • icon travel Travel

    2x Timeless Bonus Points for every RM1 spent on overseas retail

  • icon groceries Groceries

    2x Timeless Bonus Points for every RM1 spent on overseas retail

  • icon utilities Utilities

    2x Timeless Bonus Points for every RM1 spent on overseas retail

  • icon entertainment Entertainment

    2x Timeless Bonus Points for every RM1 spent on overseas retail

  • icon petrol Petrol

    2x Timeless Bonus Points for every RM1 spent on overseas retail

icon tag Other Features

  • 1x Timeless Bonus Points for every RM1 spent on retail spending locally:
  • Balance Transfer*: 6 months: 2.99% per annum; min. transfer RM1,000; 0% one-time upfront fee*, 12 to 48 months: 9.88% per annum; min. transfer RM1,000; 0% one-time upfront fee*
  • Instalment Plan: 0% interest Instalment Payment Plan at all participating merchants

icon petrol Card Information

Min. Monthly Income RM 2000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder RM30
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 RM15.00 or 5.0% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Rewards points expiry N/A

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Great For Travelling, Earn Points Quickly

Make most of your spending by earning 2x Timeless Bonus Points (TBP) for every RM1 spent for overseas retail. You will also get 1x Timeless Bonus Point for every RM1 that you spent on dining, groceries, utility or your shopping. Points collected can be used to exchange for air miles which essentially allows you to travel for free.Attractive balance transfer option is available, however 0% for 6 months for New to bank customer only.

Fees and Charges

The annual fee is Free for the 1st year, else, RM148 per annum for the principal card is RM148 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 RM30. 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!