• Min. Monthly Income

    RM12,500.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Up to 5x Timeless Bonus Points from retail spending
  • Free unlimited access to KLIA Plaza Premium Lounge
  • Travel Accident Insurance with coverage of up to RM2,000,000
Dining
6.88/10
Shopping
6.88/10
Entertainment
6.88/10
Groceries
6.88/10
Travel
7/10

Dining

  • 5 Timeless Bonus Points for every RM1 spent overseas
  • 2 Timeless Bonus Points for every RM1 spent locally

Shopping

  • 5 Timeless Bonus Points for every RM1 spent overseas
  • 2 Timeless Bonus Points for every RM1 spent locally

Entertainment

  • 5 Timeless Bonus Points for every RM1 spent overseas
  • 2 Timeless Bonus Points for every RM1 spent locally

Groceries

  • 5 Timeless Bonus Points for every RM1 spent overseas
  • 2 Timeless Bonus Points for every RM1 spent locally

Travel

  • Convert 3,000 Timeless Bonus Points into 1,000 AirAsia BIG Points
  • Convert 6,000 Timeless Bonus Points into 1,000 MAS Enrich Miles
  • 5 Timeless Bonus Points for every RM1 spent overseas

Other Features

  • Complimentary unlimited access to Plaza Premium Lounge in KLIA and 20% discount at Plaza Premium Lounges all over the world

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM2,000,000 and Travel Inconvenience Coverage if full airfare is charged to this credit card
    • Overseas medical expense coverage of up to RM50,000 if full airfare is charged to this credit card
    • Travel Inconvenience Insurance with coverage of up to RM5,000 for loss of luggage, flight delays, missed flight connections or luggage delays

  • 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% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (Waived with min. spend of RM30,000 per annum or else, RM800 per annum)
Min. Monthly Income RM12,500.00
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

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 80% of Credit Limit of your card

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 iMoney Malaysia

Massive Points Collector

Alliance Bank Visa Infinite offers you 5x points for every RM1 spent overseas on dining and shopping. You may also earn 2x points for every RM1 retail spending locally. You may also convert 3,000 points into 1,000 AirAsia BIG points and convert 6,000 points into 1,000 MAS Enrich Miles which falls under the travel benefits. For the frequent overseas spenders, you will be able to enjoy unlimited access to Plaza Premium Lounge in KLIA and over 1,000 VIP lounges worldwide with a complimentary Priority Pass Membership. You will also be provided with Travel Accident Insurance and Travel Inconvenience Coverage up to RM2,000,000 if you charge your airfare fully with this card.

Fees and Charges

Annual fee is waived for min. spending of RM30,000 per annum or else, you'll be charged RM800. There's finance charge of 15% per annum if you settle your payment promptly on 12 out of 12 months. If you settle your payments promptly for at least 10 out of 12 months then you will be able to enjoy a finance charge of 17% per annum but if you did not meet any of the requirements, there's 18% per annum to be charged. If you are planning to conduct a balance transfer, you will be charged with the finance charge from 6% per annum for tenure up to 24 months with 0% one-time upfront fee.

Are You Eligible For The Alliance Bank Visa Infinite?

To be eligible to apply for the Alliance Bank Visa Infinite (principal card), you will need to be at least 21 years old with a minimum income of RM12,500 and for the supplementary card you will need to be at least 18 years old.

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 Business Platinum Card and AmBank Visa Infinite, which may match your requirements.

If you prefer to broaden your credit card search, review more Alliance Bank credit cards and start comparing today!