Enjoy platinum benefits of up to 5x Timeless Bonus Points for all your everyday online spending with attractive gifts to redeem at any time.
Promotion
Apply for an Alliance Visa Credit Card today!
Enjoy RM400 or RM200 Cashback when you activate.
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Other Features
Card Information
| Annual Fee | First year fee is waived. Subsequent years fees will be waived with minimum spend of RM12,000 per annum |
| Min. Monthly Income | RM 2000 |
| Min. age for principal holder | 21 |
| Fee for principal holder | Free |
| Min. age for supplementary holder | 18 and above years old |
| Fee for supplementary holder | Free of charge |
| 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 | 1.25% of the Cash Advance amount or a minimum of RM3.00, whichever is higher, per transaction. |
| Cash advance interest charge | 18% per annum on cash advance amount |
| Rewards points expiry | N/A |
The Alliance Bank Visa Platinum Credit Card is a physical rewards credit card that earns Timeless Bonus Points (TBP) on everyday spend, designed for cardholders aged 21+ with an annual income of RM24,000. It offers enhanced earning across selected spending categories, non-expiry TBP, and a first-year annual fee waiver.
Applicants for the physical Visa Platinum card must be aged 21+ and have a minimum annual income of RM24,000 (RM2,000/month). Supplementary cardholders must be at least 18 years old.
| Salaried Earners | MNC/PLC/GLC |
| Copy of NRIC (both sides) or a copy of a valid passport AND | |
| EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR | |
| Last 1 month payslip | |
| Non MNC/PLC/GLC | |
| Copy of NRIC (both sides) or a copy of a valid passport AND | |
| EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR | |
| Latest 3 months' payslip & 3 months' bank statements | |
| Self Employed | Business Registration Certificate/Trading License/Form 9, Form 24, Form 49 AND |
| Latest 6 months' bank statements OR | |
| Latest 1 Year Borang B and Tax receipt/e-Ledger |
For the physical Visa Platinum card:
Late payment penalty: higher of RM10 or 1% of outstanding balance, capped at RM100
Standard minimum monthly repayment: 5% of outstanding or RM50, whichever is higher.
The principal annual fee for the physical Visa Platinum card is RM120. The first-year fee is waived. From 1 August 2025, the automatic fee waiver based on minimum swipe count or spend for the physical card has been discontinued for standard customers. Fee waivers may only apply if you hold a home-financing facility with Alliance Bank or maintain a substantial Assets Under Management (AUM) with the bank.
For the physical Visa Platinum card, the automatic fee waiver based solely on minimum swipes or spend has been discontinued as of 1 August 2025. Fee waivers will only apply if you hold an active Alliance Bank home-financing facility or meet the bank’s defined AUM/Privilege Banking criteria.
For the physical Visa Platinum card:
The 8× TBP rate for e-commerce and e-wallet top-ups only applies to the Virtual Credit Card variant, not the physical card. TBP are not awarded on cash advances, balance transfers, Fast Cash, or fees/charges.
You redeem TBP via the Alliance Rewards Centre portal. Options include merchandise, shopping vouchers and partner conversions (e.g., Enrich Miles), depending on availability. TBP cannot be exchanged for cash. Conversion rates vary by partner and are subject to change; always check the latest terms in the portal.
No, for the physical Visa Platinum card, TBP do not expire under the current terms. However, the bank reserves the right to amend this in the Rewards Programme T&Cs.
TBP are not awarded for: cash advances, balance transfers, Fast Cash, fees and charges (finance, late, annual fees), reversed, disputed or void transactions, and transactions made via IPP/FPP/JomPay/FPX (which earn 1× TBP only).
TBP are calculated based on the posting date of transactions. For the physical Visa Platinum card, points typically appear in the next or one of the following statement cycles. Minimum earned points per cycle and rounding rules apply; check your statement and the Rewards T&Cs.
For the physical Visa Platinum card (post-1 Aug 2025): e-wallet top-ups and e-commerce transactions do not receive the enhanced 8× TBP benefit. They fall under “other domestic retail” and earn 1× TBP. The 8× TBP rate for e-wallet and online is applicable only to the Virtual Credit Card variant.
Yes, Alliance Bank offers Instalment Payment Plans (IPP) and Flexi Payment Plans (FPP) for eligible purchases with participating merchants. For these plans, transactions earn only 1× TBP and are subject to merchant- and promotion-specific tenors and fees. If the plan is not settled as agreed, the prevailing finance charge applies.
The credit limit on your physical Visa Platinum card is determined by Alliance Bank based on your income, credit history and internal policy. To request a limit increase, submit updated proof of income (recent payslips, EPF statements, bank statements) via online banking, branch or customer service. Approval is discretionary.
To cancel your card, contact Alliance Bank customer service or visit a branch and pay any outstanding balance. For the physical Visa Platinum card, unused TBP may be forfeited upon account closure or as per the bank’s Rewards Programme T&Cs; redeem your points before closing if possible.
Promotional gifts are governed by campaign-specific terms and conditions (validity period, qualifying spend, redemption steps). Follow the link on the campaign page, register or submit proof within the redemption window. Always refer to the campaign T&Cs for exact mechanics.
(Last verified: Nov 2025)
