Alliance Bank Credit Cards

Alliance Bank credit cards boast a strong rewards programme that can be even more rewarding when you use the bank's other financial products. They also offer attractive balance transfer rates and annual fee waivers.

Alliance Bank is holding a lot of promos right now for their credit cards. If you apply for one of their Visa Infinite, Platinum, or Visa Signature credit card, you can get up to RM600 cashback.

• What are the features and benefits of Alliance Bank credit cards?

  Alliance Bank credit cards come with rewards and privileges designed for every lifestyle. You can earn cashback, Timeless Bonus Points, and enjoy balance transfer offers at attractive rates. Depending on the card type, you can also access travel perks, insurance coverage, and lifestyle discounts.

• How can I apply for an Alliance Bank credit card online?

  You can apply for an Alliance Bank credit card through iMoney’s secure application form. Simply select your preferred card, fill in your details, and a bank representative will contact you to complete the process.

  Eligibility requirements:

  • Malaysian citizen aged 21 years and above (primary card)
  • Minimum income from RM2,000/month (for entry-level cards)
  • Valid supporting documents (IC, payslip, or income proof)

• What are the income requirements for Alliance Bank credit cards?

  Income requirements vary by card type:

  • Basic / You:nique Gold / Platinum: from RM2,000 monthly income
  • Signature: from RM4,000 monthly income
  • Visa Infinite: from RM5,000 monthly income

• What are the credit card interest rates, fees, and charges for Alliance Bank cards?

  • Interest rate: It can range from 9% to 15% p.a. for prompt payers, depending on the credit card, and up to a maximum of 18% per annum
  • Service tax: RM25 per card, per year
  • Late payment charge: minimum RM10 or 1% of the total principal outstanding balance
  • Cash advance fee: 1.25% of the cash advance amount or a minimum of RM3 (whichever is higher) per transaction

  Annual fees are waived for the first year. 

  As of 1 August 2025, Alliance Bank has discontinued the minimum-spend requirement for fee waivers. A lifetime annual-fee waiver now applies to Alliance Privilege Customers and to cardholders who maintain a home-financing facility with Alliance Bank.

  The supplementary card is free of charge (no annual fee).

• Does Alliance Bank offer lifetime annual fee waivers?

  Annual fee is only waived for the first year. The previous “minimum number of swipes” and “minimum spend” waiver conditions have been discontinued.

  As of 1 August 2025, annual-fee waivers apply only if you qualify as either:

  • An Alliance Privilege customer (with at least RM300,000 in net investable assets), or
  • An Alliance Personal customer (with at least RM100,000 in combined deposits or investments, or holding a home-financing facility).

  If you don’t fall into either category, the standard annual fee of RM148 will apply starting from your second year.

• What are the current promotions for Alliance Bank credit cards?

  Alliance Bank regularly offers cashback and welcome promotions. Currently, iMoney offers an exclusive reward of RM400 or RM200 cash back when you apply and activate your Alliance Bank credit card.

  View the Alliance Bank promotions terms and conditions for full details of the campaign.

• What are the balance transfer rates and terms for Alliance Bank credit cards?

  You can transfer balances from other credit cards to your Alliance Bank card at low promotional rates starting from 0% p.a. for six months (for new-to-bank customers), then as low as 9.88% per annum for up to 24 months.

  Terms:

  • Flexible tenures: 6, 9, or 12 months
  • One-time processing fee may apply

  Minimum transfer amount: RM1,000

• How much cashback can I earn with Alliance Bank credit cards?

  Alliance Bank offers up to 5% unlimited cashback on everyday spending, with potential for additional cashback rate of up to 3% depending on certain criteria.

  • You:nique Gold Card: up to 3% on all retail purchases without any restrictions
  • Visa Signature: up to 5% on all retail purchases and online shopping, including transactions made with Google Pay and Samsung Pay
  • Privilege Visa Signature: 5% cashback on all retail spending, plus additional 3% cashback based on certain terms and conditions

  Cashback is credited to your next statement automatically.

• How can I check my Alliance Bank credit card application status?

  The only way you can check your credit card application status with Alliance Bank is by calling their customer service number at 03-5516 9988.

• How do I pay my Alliance Bank credit card bill?

  There are many ways you can pay your Alliance Bank credit card bill, which include;
  

  1. Cash or cheque at Alliance Bank branches nationwide
  2. Standing instruction (via deduction from your Alliance Bank savings or current account)
  3. Cheque Xpress/Cash deposit machines at selected branches
  4. Internet banking via allianceonline
  5. Automated teller machine (ATM)
  6. MEPS IBG at participating financial institutions

• How can I pay my Alliance Bank credit card bill?

  You can pay your Alliance Bank credit card bill through several convenient methods:

  1. Online banking via Alliance Online, FPX, or another bank that is part of the Paynet network
  2. Mobile wallets like Google Pay and Samsung Pay, and JomPAY
  3. Cash/cheque at Alliance Bank branches
  4. Cheque Xpress/Cash deposit machines
  5. MEPS IBG at participating financial institutions

  Payments are usually processed within 1–2 business days.

• How can I check my Alliance Bank credit card balance or statement?

  Log in to Alliance Online Banking or the Alliance Bank mobile app to view your latest balance, transactions, and e-statements.

  You may also request printed statements via customer service for a small administrative fee.

• How can I check the status of my credit card application?

  Call the Alliance Bank credit card hotline (03-5516 9988) to check your application status. Provide your IC number or reference ID for faster assistance.

• How do I request for an increase in my credit limit?

  To increase your credit limit, download and complete the permanent credit limit increase form and submit it along with your latest income documents to any Alliance Bank branch or email it to info@alliancefg.com.

  You can also use the allianceonline mobile app to apply.

  Approval is based on income proof, repayment record, and credit assessment.

• Can I convert my Alliance Bank credit card balance to instalment payments?

  Yes. Alliance Bank offers Credit Card Auto Balance Conversion that converts your outstanding Credit Card balances to a 36-month installment automatically every 12-month basis at a lower effective interest rate of 13% per annum. You will be automatically enrolled if you meet all the eligibility criteria below:

  • Malaysian nationality
  • Annual income less than or equal to RM60,000
  • Did not make a full payment for the credit card outstanding balance in the past 12 months
  • Average credit card(s) repayment is not more than 10% of your total outstanding balances over the past 12 months
  • Your credit card account’s current status is not delinquent

  Another option is to avail of the Alliance Bank 0% Flexi Payment Plan. With a minimum spend of RM1,000, you can convert your purchases into 36-month instalments.

  Contact Alliance Bank or check your online banking portal to activate an instalment plan.

• Can I use my Alliance Bank credit card overseas?

  Yes. Alliance Bank credit cards are accepted worldwide wherever Visa or Mastercard is recognized.

  Important notes:

  • The conversion rate and charges are determined by Visa or Mastercard.
  • The charges are inclusive of a 1% foreign exchange conversion spread by Alliance Bank on all Alliance Bank credit cards except for the Visa Basic card.
  • Enable “Overseas Transaction” via your app before travelling.

• What should I do if my Alliance Bank credit card is lost or stolen?

  Immediately call the Alliance Bank 24-hour hotline at 03-5516 9988 to block your card and prevent unauthorized transactions.

  You can also block your card instantly through the Alliance mobile app under “Card Management.”

• How do I contact Alliance Bank credit card customer service?

  You can reach Alliance Bank’s customer service via:

  • Hotline: 03-5516 9988 (Mon–Sun, 24 hours)
  • Email: info@alliancefg.com

  Website: www.alliancebank.com.my

• Can supplementary cardholders earn rewards or cashback?

  Yes. Supplementary cardholders earn the same cashback and Timeless Bonus Points as the principal cardholder. All rewards are consolidated under the principal account for easier tracking.

• What documents are required to apply for an Alliance Bank credit card?

  You will need:

  • Copy of your NRIC (front and back) or passport
  • Proof of income: Latest 1–3 months’ payslip or EPF statements
  • Business registration and 6 months’ bank statement for self-employed

  Additional documents may be requested during verification.

• Does Alliance Bank offer Islamic (Shariah-compliant) credit cards?

  Currently, Alliance Bank primarily offers conventional credit cards. Only Islamic debit cards are available.

• Can I apply for multiple Alliance Bank credit cards at once?

  Generally, customers may apply and own more than one Alliance Bank credit card, provided they meet the eligibility requirements for each application. Confirm with Alliance Bank’s credit team or representative before submitting multiple applications.

• (Last verified: Nov 2025)