2x Timeless Bonus Points on overseas retail spending
Exclusive privileges and discounts at participating merchants
No-expiry Timeless Bonus Points
Alliance Bank Gold Card
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- Min. Monthly Income
- RM 2000
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- Interest Rate
- 15% p.a.
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- Cashback
- -
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- Annual Fee
- Free
"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!"
iMoney Editor's Review
Key Features
Benefits on...
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Travel
2x Timeless Bonus Points for every RM1 spent on overseas retail -
Groceries
2x Timeless Bonus Points for every RM1 spent on overseas retail -
Utilities
2x Timeless Bonus Points for every RM1 spent on overseas retail -
Entertainment
2x Timeless Bonus Points for every RM1 spent on overseas retail -
Petrol
2x Timeless Bonus Points for every RM1 spent on overseas retail
More details
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Eligibility/Documents
- Min. Monthly Income
- RM 2000
- Min. Age for Principal Holder
- 21
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Fees and charges
- Annual Fee
- Free for the 1st year, subsequent year will waived with min. spending of RM5,000 or 12 card swipes per annum. Else, RM148 per annum
Other Fees and charges
- Late Payment Charges
- Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
- 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
- Sales and Services Tax (SST)
- 0% on annual fee and other charges
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Supplementary Card
- Min. Age for Supplementary Holder
- 18 and above years old
- Fee for Supplementary Holder
- RM30
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Cash Advance
- Amount
- Up to 80% of credit limit
- Charge
- Higher of RM15.00 or 5.0% of cash advance amount
Other cash advance info
- Cash Advance Interest Charge
- 18% per annum on cash advance amount
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Others
- Rewards Points Expiry
- N/A
Other benefits
- 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
Balance Transfer to any Alliance Bank credit cards
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Review by iMoney
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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.
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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.
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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!