What are the main benefits of the Alliance Bank Visa Infinite Credit Card?
The Alliance Bank Visa Infinite Credit Card rewards you with 10× Three-year 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.
How do I apply for the Alliance Bank Visa Infinite Credit Card?
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.
How do I earn Timeless Bonus Points (TBP)?
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.
How can I redeem my Timeless Bonus Points?
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.
What is the annual fee for the Alliance Bank Visa Infinite Card?
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).
What is the minimum income requirement to apply?
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.
What transactions are excluded from earning TBP?
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:
- E-wallet top-ups (e.g., Touch ’n Go, GrabPay, ShopeePay) — earn 1× TBP per RM1, subject to a RM3,000 monthly cap per statement cycle
- Government-related payments, utility bills, insurance premiums, and charity donations
- Cash advances and balance transfers (no TBP earned)
Refer to the latest Alliance Bank Rewards Terms and Conditions for full details and any cap adjustments.
How long does it take for TBP to be credited to my account?
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.
Can I redeem TBP for cashback or shopping vouchers instead of air miles?
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.
What happens to my TBP if I cancel my card?
When you cancel your Visa Infinite card, any unredeemed TBP will be forfeited. Redeem your points before submitting a cancellation request.
How does the Alliance Bank Visa Infinite compare to other travel credit cards in Malaysia?
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.
What should I do if my Visa Infinite card is lost or stolen?
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.
Can I set spending limits or alerts for my Visa Infinite card?
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.
How can I contact Alliance Bank for card-related assistance?
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)
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