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Min. Monthly Income
RM5,000.00
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Interest Rate
15% p.a.
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Balance Transfer
0% p.a.
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Annual Fee
Free
Feature Highlights
- Up to 3x Timeless Bonus Point for every RM1 spent
- Unlimited free access to KLIA Plaza Premium Lounge*
- 0% Instalment Payment Plan at participating merchants
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
- 2x 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
- 2x 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
Unlimited complimentary access to KLIA Plaza Premium Lounge
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
*For Alliance Privilege (PB) and Alliance Personal (AP) members only
Card Information
Annual Fee | Free (Free 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 |
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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 RM15.90 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 
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 2x TBP for petrol 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. Besides that, this card allows you to have unlimited access to KLIA Plaza Premium Lounge. You can do a balance transfer with as low as 6% interest rate for up to 24 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 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 5.3% 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!