• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

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

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
  • 2x Timeless Bonus Points for every RM1 spent on utility

Entertainment

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

Petrol

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

Other Features

  • 1x Timeless Bonus Points for every RM1 spent on retail spending locally

  • 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, RM148 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 RM30
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

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 as well as domestic utility. You will also get 1x Timeless Bonus Point for every RM1 that you spent on dining, groceries or your shopping. Points collected can be used to exchange for air miles which essentially allows you to travel for free.

Fees and Charges

The annual fee 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!