• Min. Monthly Income

    RM5,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    6% p.a.

  • Annual Fee

    Free

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Feature Highlights
  • Up to 3x Timeless Bonus Point for every RM1 spent
  • 0% Installment Payment Plan at participating merchants
Travel
6.89/10
Dining
6.89/10
Groceries
7.23/10
Shopping
6.89/10
Petrol
7.23/10

Travel

  • 3x Timeless Bonus Points for every RM1 spent on overseas retail

Dining

  • 3x Timeless Bonus Points for every RM1 spent on overseas retail

Groceries

  • 3x Timeless Bonus Points for every RM1 spent on overseas retail
  • 1x Timeless Bonus Points for every RM1 spent on grocery

Shopping

  • 3x Timeless Bonus Points for every RM1 spent on overseas retail

Petrol

  • 3x Timeless Bonus Points for every RM1 spent on overseas retail
  • 1x Timeless Bonus Points for every RM1 spent on petrol

Other Features

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

  • Cash advance withdrawal up to 80% of your credit limit

  • Dedicated Customer Service Hotline Assistance

  • Balance Transfer*

    • 6 months: 6.99% per annum; min. transfer RM3,000; 0% one-time upfront fee*
    • 12 months: 6.00% per annum; min. transfer RM1,000; 0% one-time upfront fee*
    • 18 months: 7.99% per annum; min. transfer RM1,000; 0% one-time upfront fee*
    • 24 months: 9.88% 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*

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

*For Alliance Privilege (PB) and Alliance Personal (AP) members only

Card Information

Annual Fee Free (Free for the first year, subsequently can be waived with min. spending of RM5,000 or 12 card swipes per annum. Else, RM438 per annum)
Min. Monthly Income RM5,000.00
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
Sales and Services Tax (SST)

0% 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 RM15.00 or 5.0% 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, Collect Points Quickly

Alliance Bank Platinum Card provide exclusive benefits to the cardholders Additional 3x Timeless Bonus Points (TBP) is rewarded for any overseas spending. Card holders will earn 1x TBP for petrol, grocery spending and 1x TBP for other spending locally. Moreover, convert your TBP into air miles; 1,000 Enrich Miles for every 6,000 TBP or 1,000 BIG Points for every 3,000 TBP. . Attractive balance transfer option is available, however 0% for 6 months for New to bank customer only. 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 is Free for the 1st year, else, which can be waived from second year, with a minimum spending of RM5,000 or at least 12 card swipes in a year. otherwise, it’s RM438 for principal cardholders. 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 advance fee is RM15 or 5.0% of outstanding amount, whichever is higher.

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!