With no expiry date, Alliance Visa Credit Card gives you the freedom to redeem up to 10x Timeless Bonus Points treat yourself to irresistible rewards anytime you desire.
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Other Features
Card Information
| Annual Fee | First year fee is waived. Subsequent years fees will be waived upon 12 swipes with no minimum spend per annum |
| Min. Monthly Income | RM 5000 |
| 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 of your card |
| 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 Infinite Credit Card rewards you with 10× Timeless Bonus Points (TBP) for overseas retail and online foreign-currency transactions and 1× TBP for domestic retail spend in Malaysian Ringgit. Cardholders also enjoy complimentary Plaza Premium Lounge access, Visa Infinite global privileges, and lifetime annual-fee waivers for eligible customers.
You can apply online via iMoney's online application form. Just tap 'Apply', fill out the application form, and our friendly Customer Care Agent will get in touch with you shortly to guide you through the entire application process.
Alternatively, you can visit the Alliance Bank website or any Alliance Bank branch. Applicants must be aged 21 and above with a minimum monthly income of RM5,000 (or RM60,000 per year). Supporting documents such as NRIC and proof of income are required.
You earn 10× TBP for every RM1 spent on overseas retail and 1× TBP for every RM1 spent on domestic retail transactions in Malaysian Ringgit. There is no cap on TBP earned, and your points never expire.
You can redeem TBP through the Alliance Bank Rewards Portal for cashback, shopping vouchers, travel rewards, Enrich Miles, or other merchandise. Enrich Miles conversions are typically processed within 14 working days after submission.
The principal card annual fee is RM438.
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).
The minimum income requirement is RM5,000 per month (or RM60,000 per year). Both salaried and self-employed individuals meeting this threshold are eligible to apply.
Most retail transactions earn TBP, but the following categories do not qualify for higher multipliers and either earn the standard 1× TBP per RM1 spent or are fully excluded:
Refer to the latest Alliance Bank Rewards Terms and Conditions for full details and any cap adjustments.
TBP are credited within 3 to 5 working days after a transaction is posted. For overseas transactions, points may take up to 10 working days due to currency-settlement processing.
Yes. You can redeem your TBP for cashback, vouchers, merchandise, or travel packages through the Alliance Bank Rewards Portal. Redemption values vary by reward category.
When you cancel your Visa Infinite card, any unredeemed TBP will be forfeited. Redeem your points before submitting a cancellation request.
The Visa Infinite Card offers one of the highest overseas reward rates (10× TBP), no point expiry, lifetime-fee waivers for eligible customers, combined with lounge access and enhanced privileges, making it a top choice for frequent travellers seeking flexible reward redemption and premium lifestyle perks.
Immediately contact the Alliance Bank Customer Service Hotline at 03-5516 9988 to block the card. A replacement will be issued to your registered address, and you will not be liable for unauthorized transactions reported promptly.
Yes. You can manage spending limits, overseas usage, and real-time alerts via the Alliance Bank mobile app to track transactions and enhance card security.
For assistance, contact Alliance Bank Customer Service at 03-5516 9988, visit your nearest branch, or send inquiries through the Alliance Online Banking platform or mobile app message centre.
(Last verified: Nov 2025)
