Alliance Bank Visa Infinite Credit Card
Alliance Bank Visa Infinite Credit Card
RM 5,000
Minimum monthly income
RM 0
Annual fee
Free for the first year, and waived with minimum annual spend of RM12,000 in the subsequent years. Otherwise, RM438 for Principal Card and complimentary for Supplementary Card
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Special Offers
Win RM3,000 Travel Vouchers when you apply, activate, and spend with Alliance Bank Credit Card via CompareHero today.
Product details
Product details
Benefits
Features
Good for
Rewards/Offers
8X Timeless Bonus Points for every RM1 spend on e-Commerce transactions and eWallet reloads (both capped at RM3,000 per statement cycle)
5X Timeless Bonus Points for every RM1 spend on grocery, dining and overseas transactions
1X Timeless Bonus Points for every RM1 spend on contactless transactions, entertainment, auto-billing and other retail spending (including Instalment Payment Plan, Flexi Payment Plan, JomPay and FPX transactions)
0% Flexi Payment Plan for 3 months for Flight Tickets, Hotel and Overseas spend
2X free access to participating Plaza Premium Lounges worldwide (applicable to Principal cardholders only)
1X free access to Travel Club Lounge in Malaysia (applicable to Principal cardholders only)
Annual fee waiver for the first year (subsequent years will be waived with minimum spend of RM12,000 per year)
0% Balance Transfer promotion for 6 months for New-to-Bank Cardmembers
Eligibility
| Minimum monthly income | RM 5,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first year, and waived with minimum annual spend of RM12,000 in the subsequent years. Otherwise, RM438 for Principal Card and complimentary for Supplementary Card |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 0% | 0% Balance Transfer for 6 months with minimum transfer of RM1,000 (for new-to-bank customers only) |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first year, and waived with minimum annual spend of RM12,000 in the subsequent years. Otherwise, RM438 for Principal Card and complimentary for Supplementary Card |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
0% 0% Balance Transfer for 6 months with minimum transfer of RM1,000 (for new-to-bank customers only) |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Earners
MNC/PLC/GLC
- - Copy of NRIC (both sides) or a copy of a valid passport AND
- - EPF & latest 1-month payslip OR
- - Last 3 months payslip & 1 month bank statement OR
- - Latest Borang BE & Tax receipt
Salaried Earners
Non-MNC/PLC/GLC
- - Copy of NRIC (both sides) or a copy of a valid passport AND
- - EPF & latest 3 months bank statements OR
- - EPF, latest payslip & latest 3 months bank statements
Self Employed
- - Business Registration Certificate/Trading License/Form 9, Form 24, Form 49 AND
- - Latest 6 months company bank statements OR
- - Borang B with 3 months of bank statements
Click to read the Alliance Bank Visa Infinite Credit Card Terms and Conditions.
Click to read the Alliance Bank Visa Infinite Credit Card Product Disclosure Sheet.
Product review by 
Product review by
If travelling is the type of luxury you enjoy, imagine the great perks you’ll get when you own the Alliance Bank Visa Infinite credit card! Aside from the fantastic travel benefits, earn some rewards for every purchase you make on a monthly basis.
Unleash your inner luxury lifestyle by earning Timeless Bonus Points and complimentary access to Plaza Premium Lounges Worldwide
For all your transactions made when you shop online and top-up your e-Wallet, earn 8x Timeless Bonus Points which apply to each RM1 that was spent using your Alliance Bank Visa Infinite card.
Aside from that, if you regularly shop for groceries, you can earn back 5X Timeless Bonus Points. Remember when we mentioned you get to enjoy travel perks? One of them is receiving 5x Timeless Bonus Points when you spend money overseas using your Alliance Bank Visa Infinite card.
In return, after all these Timeless Bonus Points are accumulated, you can redeem flights for free, along with various other vouchers and so on. In addition to that, you can unwind before your flight with 2X complimentary access to participating Plaza Premium Lounges worldwide! Learn more about the airport lounge benefit, here.
We’ll get into more details about other travelling perks, but other than that, you can also earn 1x Timeless Bonus Points for other categories such as auto-billing, entertainment, dining, and contactless transactions. No matter what retail stores you purchase using your Alliance Bank Visa Infinite card, you receive the 1x Timeless Bonus Points.
Flexible payment plan for your wanderlust
Here comes one of the best parts about owning the Alliance Bank Visa Infinite card - the 0% flexible payment plan for all your travelling needs! Within 3 months, you get to book your flight tickets, hotels, and any international transactions without having to worry about paying the whole amount in one go. Instead, you can enjoy an interest rate-free payment in instalments, enabling you to go on your holiday worry-free.
Get your annual fees waived
It can be a pain sometimes having to pay a fee simply by owning a credit card. Thankfully, the Alliance Bank Visa Infinite enables you to be exempted from paying the annual fees provided you spend at least RM12,000 a year.
Though the first year is waived, you will be charged annual fees for the subsequent years unless you meet the minimum requirement. Spending RM12,000 a year shouldn’t be an issue for you, especially if you were to charge all your monthly bills and daily essentials to your Alliance Bank Visa Infinite credit card.
FAQs
FAQs
To apply for the Alliance Bank Visa Infinite card, you have to be earning at least RM5,000 every month or RM60,000 a year. If this isn’t an issue for you, you can apply for the credit card right away with ease. When you are earning RM5,000 every month, you must also take into account the minimum age requirement which is 21 years old and above and 18 years old and above for a supplementary card.
Annual fee is waived for the first year. After that, you will be charged automatically with RM438 if you’re a principal cardholder. However, if you happen to be able to spend a minimum amount of RM12,000 for that year, you will not be required to pay the annual fee.
The Alliance Bank Visa Infinite card comes with finances charges. Are you the type to pay your repayments on time? If you are, then you only will be charged with an interest rate of 15% every year. Otherwise, if you successfully pay 10 months throughout the year, then the interest rate will be 17%. Outside of these two ranges, then it will be 18%.
- - 8X Timeless Bonus Points for every RM1 spent on e-commerce transactions and eWallet reloads (both capped at RM3,000 per statement cycle)
- - 5X Timeless Bonus Points for Grocery, Overseas and Dining spend
- - 1X Timeless Bonus Points for Contactless, Entertainment, Auto-billing and Retail spend
- - 0% Flexi Payment Plan for 3 months for Flight Tickets, Hotel and Overseas spend
- - 2X free access to participating Plaza Premium Lounges worldwide
- - 1X free access to Travel Club Lounge in Malaysia
- - The annual fee is waived for a low minimum requirement every month which is only RM1,000 or RM12,000 in a year
If you are a wanderlust and love to travel every year, the Alliance Bank Visa Infinite card will hugely benefit your lifestyle. You will also be eligible to enjoy multiple travelling benefits, which is like killing two birds on one stone where you’ll fulfill your wanderlust while getting rewarded at the same time. For all the times you spend with your Alliance Bank Visa Infinite card, you will be rewarded with Timeless Bonus Points which you can redeem complimentary AirAsia flight tickets or other merchandise. Ultimately, this credit card is well suited for those that travel.
