• Min. Monthly Income

    RM5,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Up to 8x Timeless Bonus Points from online shopping transactions and eWallet Top-up
  • Up to 5x Timeless Bonus Points from Groceries and Overseas transactions
  • Up to 1x Timeless Bonus Points for Contactless transactions, Dining, Entertainment, Auto billing and Other retail transactions
Shopping
7/10
Groceries
7/10
Travel
6.5/10
Dining
6.88/10
Entertainment
7/10

Shopping

  • Up to 8x Timeless Bonus Points from online shopping transactions and eWallet Top-up

Groceries

  • Up to 5x Timeless Bonus Points from Groceries and Overseas transactions

Travel

  • Up to 5x Timeless Bonus Points from Groceries and Overseas transactions

Dining

  • Up to 1x Timeless Bonus Points for Contactless transactions, Dining, Entertainment, Auto billing and Other retail transactions

Entertainment

  • Up to 1x Timeless Bonus Points for Contactless transactions, Dining, Entertainment, Auto billing and Other retail transactions

Other Features

  • Other Features

    • 0% Flexi Payment Plan for 3 months for Flight ticket purchases, Hotel bookings and Overseas spend

  • Balance Transfer*

    • 6 months: 0.00% per annum; min. transfer RM1,000; 0% one-time upfront fee*
    • 12 months: 3.99% per annum; min. transfer RM1,000; 0% one-time upfront fee*

  • Installment Plan

    • 0% Installment Payment Plan at all participating merchants

Card Information

Annual Fee Free (First year fee is waived. Subsequent years’ fees will be waived with minimum spend of RM12,000 in 12 months)
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 of your card

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

Massive Points Collector

Alliance Bank Visa Infinite offers you up to 8x points for online shopping transactions and eWallet top-up, earn up to 5x Timeless Bonus Points from Groceries and Overseas transactions, earn up to 1x points for every RM1 retail spending locally and you may also get 0% Flexi Payment Plan for 3 months for Flight ticket purchases, Hotel bookings and Overseas spend.

Fees and Charges

First year fee is waived. Subsequent years fees will be waived with minimum spend of RM 12,000 in 12 months. Otherwise, it’s RM438 for principal cardholders. 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 9.88% per annum for tenure up to 48 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 RM60,000 per annum 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!