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    Alliance Bank Classic Card

    Alliance Bank Classic Credit Card rewards you for all kinds of retail purchases. You can earn reward points for every swipe made using this card whether it’s an overseas or a local transaction.

    The major highlights of this card are:

    • Earn Timeless Bonus Points on overseas and local retail transactions.
    • Redeem your points for air miles, free flights, gift vouchers, and lifestyle accessories.

    Best Suited for

    • Those who shop often at retail stores.
    • Those who travel frequently by flight.

    Key Features and Benefits

    Features/Benefits Description
    Rewards for overseas retail purchases Earn 1x Timeless Bonus Points for every RM1 that you spend
    Rewards for local retail purchases Earn 1x Timeless Bonus Points for every RM1 that you spend
    Air Miles conversion Redeem Timeless Bonus Points that you’ve earned for air miles of partnering frequent flyer programmes, such as Enrich and AirAsia BIG.

    Other Benefits

    • The principal card gets an annual fee waiver in case of a minimum spend of RM5,000 p.a. or if you swipe the card at least 12 times during the year.
    • Split eligible retail spends made at participating merchants into 0% interest monthly instalments with the Instalment Payment Plan.
    • Enjoy special offers and benefits at partnering merchant outlets.
    • Get complete assistance at every step through an exclusive customer service hotline.
    • Report lost, stolen, or misplaced cards right away for zero liability on fraudulent transactions.
    • Withdraw up to 100% of your available credit limit with the Cash Advance feature.
    • Choose from multiple convenient and hassle-free credit card bill payment options.

    How Can You Earn Timeless Bonus Points?

    The Alliance Bank Classic Credit Card lets you earn reward points for every retail spend. Here’s a table showing how you can earn Timeless Bonus Points in each retail spending category:

    Spending Category Number of Timeless Bonus Points
    Overseas Retail Transactions Earn 1x Timeless Bonus Points for every RM1 spent
    Local Retail Transactions Earn 1x Timeless Bonus Points for every RM1 spent

    Here’s the rate of conversion for air miles:

    • Redeem 6,000 Timeless Bonus Points for 1,000 Enrich Miles.
    • Redeem 3,000 Timeless Bonus Points for 1,000 AirAsia BIG Points if you’re a Visa credit cardholder.

    Balance Transfer Plan

    The Alliance Bank Balance Transfer Plan is a highly useful debt consolidation tool. You can transfer outstanding balances that you have on other banks’ cards to your Alliance Bank credit card through this facility.

    In addition, you can enjoy low interest rates and flexible tenure options for repayments. Here’s a table showing details of this plan:

    Minimum Transfer Amount Repayment Tenures Interest Rate
    RM1,000 12 months 6.99% p.a.
    RM1,000 18 months 6.99% p.a.
    RM1,000 24 months 7.99% p.a.

    Fast Cash Plan

    Cash crises are inevitable, especially when you’re in the early stages of your career. The Alliance Bank Classic Credit Card comes with a Fast Cash option that allows you to access extra funds in case of emergencies.

    You can withdraw an amount as low as RM1,000 or as much as 80% of your available credit limit. You can even take your pick from multiple repayment periods that stretch up to 36 months.

    Here’s a table with important information related to this plan:

    Minimum Transaction Amount Tenure Options Interest Rate
    RM1,000 12 months 6.99% p.a.
    RM1,000 24 months 7.99% p.a.
    RM1,000 36 months 7.99% p.a.

    Eligibility Criteria

    Minimum Age Required for the Principal Cardholder 21 years
    Minimum Age Required for the Supplementary Cardholder 18 years
    Minimum Income RM24,000 p.a.

    Documents Required

    Type of Applicant Mandatory Documents That You Need
    Salaried professionals (MNCs/PLCs)
    • Copy of NRIC (both sides) or a valid passport
    • Last 1 month’s salary slip, or
    • Latest EA form, or
    • Latest EPF Statement, or
    • Latest Borang BE with official tax receipt/bank-in slip
    Salaried professionals (Non MNCs/PLCs)
    • Copy of NRIC (both sides) or a valid passport
    • Last 3 months’ salary slip
    • Last 3 months’ bank statement showing salary being credited
    • Latest EPF Statement, or
    • Latest Borang BE with official tax receipt/bank-in slip
    Self-employed individuals
    • Copy of NRIC (both sides) or a valid passport
    • Last 6 months’ bank statement
    • Business Registration Form and Form D or Form 9, 24, 49
    • Latest EPF Statement, or
    • Tax return form with official tax receipt

    How Do You Apply for This Credit Card?

    Channel of Application Procedure
    Offline
    • Head over to the nearest Alliance Bank branch and fill out the right application form.
    • Submit all mandatory documents along with this form as requested by the bank.
    • For further assistance or any other queries on offline application, get in touch with the bank’s customer service department.
    Online
    • Visit Alliance Bank’s official website.
    • Navigate to the correct credit card page that you wish to apply.
    • Click on “Apply Now” and fill out the online application form that comes up.
    • Submit this form and upload all documents as specified by the bank.

    Fees and Charges

    Type of Fees Charges
    Interest Rates 15% p.a. – 18% p.a.
    Annual Fees – Principal Card RM68
    Annual Fees – Supplementary Card RM20
    Minimum Monthly Repayment The higher amount between RM50 and 5% of the total outstanding balance.
    Late Payment Charges The higher amount between RM10 and 1% of the total outstanding balance. This charge is limited to an amount of RM100.

    Promotions

    Your Alliance Bank Classic Credit Card offers some exclusive promotions, such as:

    • Enjoy a 3-month instalment plan that’s free of interest or upfront handling fees for local and overseas retail transactions with the Flexi Payment Plan. Offer is valid until 30 September 2018.
    • Get 50% off Timeless Bonus Points’ redemptions on the Alliance One Bank Rewards Centre. Redeem your points for gift vouchers, lifestyle products and accessories.

    Choose the Alliance Bank Classic Credit Card when you need more value for all your local and overseas retail purchases. From flying perks to gift vouchers, every retail transaction you make will count for something more than just a swipe.

    Frequently Asked Question’s

    Q. I’m a Non-Malaysian looking to get a credit card. Can I apply for the Alliance Bank Classic Credit Card?

    A. Yes. You can apply for the Alliance Bank Classic Credit Card if you’re a foreign national working in Malaysia. All you have to do is provide a copy of your work permit along with any other document that the bank requests at a later time. This work permit should have a remaining validity period of at least one year from the application date.

    Q. What is the minimum transaction amount to qualify for FPP? How do I go about converting my retail purchase?

    A. The minimum retail transaction amount to qualify for Alliance Bank’s FPP is RM500 done in a single receipt. To convert an eligible retail transaction to a 3-month FPP, call the bank’s customer service team at 03-5516 9988 and make a request.

    Q. Is there a limit on the number of FPP conversions that can be done with my Alliance Bank credit card?

    A. No. There’s no specified limit on the number of FPP conversions you can make during the campaign period. You can make any number of conversions as long as the transaction meets all eligibility requirements of the FPP promotion.

    Q. Will I earn the same number of Timeless Bonus Points that my card offers in case of FPP transactions?

    A. No. You’ll earn 1x Timeless Bonus Points on retail purchases that are converted to FPP irrespective of what your card offers you.

    Q. Is the FPP promotion available for all Alliance Bank credit cards?

    A. No. The FPP promotion is only available for all new and existing Visa credit cardholders from Alliance Bank. The FPP feature is available for principal and supplementary Visa credit cardholders.

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