• Min. Monthly Income

    RM5,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    6% p.a.

  • Annual Fee

    RM438

Feature Highlights
  • Up to 2% cashback on retail transactions
  • 0% finance charge for first 3 months
  • Unlimited access to KLIA Plaza Premium Lounge
Travel
8.67/10
Dining
5.33/10
Groceries
5.33/10
Shopping
5.33/10
Petrol
5.33/10

Travel

  • 170 Malaysia Airlines (MAS) miles for every RM1,000 spent
  • Convert 3,000 Timeless Bonus Points into 1,000 AirAsia BIG Points (Visa card only)

Dining

  • 0.6% cashback for spending of RM500 and below per month
  • 0.7% cashback for spending of RM501 to RM1,350 per month
  • 0.9% cashback for spending of RM1,351 to RM2,550 per month
  • 2% cashback for spending of RM2,551 to RM5,000 per month

Groceries

  • 0.6% cashback for spending of RM500 and below per month
  • 0.7% cashback for spending of RM501 to RM1,350 per month
  • 0.9% cashback for spending of RM1,351 to RM2,550 per month
  • 2% cashback for spending of RM2,551 to RM5,000 per month

Shopping

  • 0.6% cashback for spending of RM500 and below per month
  • 0.7% cashback for spending of RM501 to RM1,350 per month
  • 0.9% cashback for spending of RM1,351 to RM2,550 per month
  • 2% cashback for spending of RM2,551 to RM5,000 per month
  • 2 Timeless Bonus Point for every RM1 spent on overseas retail purchases
  • 1 Timeless Bonus Point for every RM1 spent on local retail purchases

Petrol

  • 0.6% cashback for spending of RM500 and below per month
  • 0.7% cashback for spending of RM501 to RM1,350 per month
  • 0.9% cashback for spending of RM1,351 to RM2,550 per month
  • 2% cashback for spending of RM2,551 to RM5,000 per month

Other Features

  • Passport to Global Platinum Privileges from VISA International and MasterCard Worldwide

  • 24-hour concierge services provided by VISA International and MasterCard Worldwide

  • Unlimited complimentary access to KLIA Plaza Premium Lounge

  • 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% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM438 (Free with min. spending of RM5,000 or 12 card swipes in a 12 month period)
Min. Monthly Income RM5,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder Free of charge
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

RM100 per month

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Great For Travelling, Collect Points Quickly

Alliance Bank Platinum Card provide exclusive benefits to the cardholders such as, up to 2% cashback on all retail transaction and gives you Timeless Bonus Points to redeem travel miles equivalent to 170 Malaysia Airlines Miles for every RM1,000 spent or Air Asia Big Points. Additional 2x Timeless Bonus Points is rewarded for any overseas spending with the exception of petrol and government agencies transaction. Card holders will earn 1x Timeless Bonus Points for local spending and have exclusive privileges and discounts at participating merchants. Besides that, this card allows you to have unlimited access to KLIA Plaza Premium Lounge, passport to Global Platinum Privileges from Visa International and MasterCard Worldwide, 24 hours concierge services, and you may do a balance transfer with 6% interest rate for 12 months. On top of that, participating merchants offer 0% per annum interest rate and there is no lost card liability upon reporting.

Fees and Charges

The annual fee of this card is FREE of charged if you have a minimum spending of RM5,000 or swipe you card 12 times in one year otherwise, it’s RM424.28 for principal cardholders. For supplementary card holders the annual fee is FREE! You can make minimum monthly payment on your credit card if you are unable to make a full payment of your outstanding amount. The minimum you can pay is RM50 or 5% of outstanding amount. You will be charged RM10 or 1% of outstanding amount, up to a maximum of RM100 as late payment fee if you failed in making your payments on time. For prompt monthly payment on your credit card for 12 consecutive months your interest rate will be based on 15% per annum, prompt payment for at least 10 out of 12 months interest rate will be based on 17% per annum and if any of the above is not met the interest rate will be 18% per annum. Furthermore, the cash withdrawal fee is RM15.00 or 1% of outstanding amount, up to a maximum of RM100 and interest rate is based on 18%.

Are You Eligible For The Alliance Bank Platinum Card?

You need a minimum monthly income of RM5,000 and to be at least 21 years old for principal card holders and at least 18 years old for supplementary card holders to be eligible to apply for Alliance Bank Platinum 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 Gold Credit Card and Citibank Platinum Credit 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!