Alliance Bank Visa Virtual Credit Card
Alliance Bank Visa Virtual Credit Card
RM 2,000
Minimum monthly income
RM 0
Annual fee
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Special Offers
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Product details
Product details
Features
Good for
Rewards/Offers
Malaysia's first in-app virtual credit card
Enhanced security feature to mask your real credit card number via temporary Dynamic Card Number (DCN)
Zero annual fees for life
8X Timeless Bonus Points for every RM1 spend on e-Commerce and eWallet reloads (both capped at RM3,000 per statement cycle)
1X Timeless Bonus Points for every RM1 spend on all other transactions (including Instalment Payment Plan, Flexi Payment Plan, JomPay and FPX transactions)
Timeless Bonus Points don't expire!
0% Balance Transfer promotion for 6 months for New-to-Bank Cardmembers
Eligibility
| Minimum monthly income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free for life |
| 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 for life |
| Annual fee waiver |
No |
| 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 statement (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
- - Latest 1 month's payslip
Salaried Earners
Non-MNC/PLC/GLC
- - Copy of NRIC (both sides) or a copy of a valid passport AND
- - EPF statement (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
- - Latest 3 months' payslip AND
- - Latest 3 months' bank statements
Self Employed
- - Business Registration Certificate/Trading License/Form 9, Form 24, Form 49 AND
- - Latest 6 months' bank statements OR
- - Latest 1 year Borang B and tax receipt/e-Ledger
Product review by 
Product review by
Love shopping online but don't feel safe enough to do it often? The Alliance Bank Visa Virtual Credit Card lets you enjoy the convenience of online shopping by giving you enhanced security features.
Experience enhanced security features
Pay for your online purchases safely with the Alliance Bank Visa Virtual Credit Card's secured payment tool that masks your real credit card number. You'll get a dynamic card number that refreshes every 30 minutes to further protect your real credit card number from scammers.
Receive Timeless Bonus Points
The Alliance Bank Visa Virtual Credit Card offers more Timeless Bonus Points than the Gold Visa. The best part of it all, the Timeless Bonus Points collected will not expire, hence, you can redeem exclusive products, gifts and more from the participating merchants.
Here’s a rough breakdown of the Timeless Bonus Points you’ll be receiving:
| Category | Timeless Bonus Points Earned |
| E-commerce transactions and e-wallet top-ups | 8 Points (For each RM1 spent) |
| All other transactions (including Instalment Payment Plan, Flexi Payment Plan, JomPay and FPX transactions) | 1 Point (For each RM1 spent) |
Get zero annual fees forever
Primary and supplementary cardholders of the Alliance Bank Visa Virtual Credit Card can enjoy no annual fees forever. This is a fixed benefit that doesn't require any minimum spend.
FAQs
FAQs
With a low minimum requirement of only RM2,000, you can apply for the Alliance Bank Visa Virtual credit card. If you are 21 years old and above, you can apply for the primary card. Otherwise, you can apply for the supplementary card if you are 18 years old and above.
There is no annual fee for the Alliance Bank Visa Virtual Credit Card, it is free for life! However, note that you need to pay the RM25 annual Sales Service Tax (SST) on your Principal Alliance Virtual Credit Card. That said, you will only be charged one SST, regardless of how many virtual cards you create.
There are late payment fees and cash withdrawal fees. The late payment fee is around RM10 or 1%, while the cash withdrawal fee is RM15 or 5% of the total amount.
- - Receive 8x Timeless Bonus Points for e-commerce transactions and e-wallet reloads
- - Receive 1x Timeless Bonus Points for all other spending (including Instalment Payment Plan, Flexi Payment Plan, JomPay and FPX transactions)
- - No annual fees for life
- - Able to redeem awesome gifts and products from various merchants
- - Extra security with a dynamic card number to mask your real credit card number from potential fraud cases
For those who love to get rewarded and travel at the same time. Besides that, if you often shop online and use e-wallets, you’ll hugely benefit by getting the rewards in which you can redeem cool products. Plus, since you travel on a regular basis, you’ll get rewarded as well by being able to redeem Air Miles with the points earned.
