Alliance Bank Classic Card

    With Alliance Bank Classic Card, When you spend on retail purchases, you earn 1 Timeless Bonus Points for every RM1 spent. The annual fee is waived if you meet certain conditions. You can redeem the Timeless Bonus Points for Enrich Miles. You can withdraw cash up to 100% of the credit limit.


    • This card is accepted around the world.
    • You can earn 1x Timeless Bonus Points for every RM1 spent on domestic and overseas retail.
    • You can avail Installment Payment Plan at the participating merchant outlets.
    • When you report the lost card, you will not be liable for the purchases that were made after reporting the card.
    • You can redeem 6,000 Timeless Bonus Points for 1,000 Enrich Miles.
    • You get exclusive discounts at the participating merchant outlets.
    • You get a dedicated customer service assistance.
    • You get 20 days interest-free period provided you pay the balance in full.


    • The payments can be made through standing instructions, cash, cheque, internet banking, ATM, or at MEPS IBG.
    • Supplementary credit cards are offered for immediate family members who are above 18 years.
    • New cardholders will get 3 years annual fee waiver provided you spend a minimum of RM5,000 or swipe the card 12 times in a year.
    • The Timeless Bonus Points can be redeemed for Enrich Miles.
    • With this card, you withdraw cash up to 100% of the credit limit.
    • You won’t be charged any exit fee if you settle the balance of Balance Transfer before its maturity.
    • You can earn Timeless Bonus Points that don’t expire on petrol, utilities, groceries, retail, etc.

    Eligibility Criteria

    You will have to meet the following criteria to avail this card:

    • You must be at least 21 years old.
    • Supplementary cardholder must be at least 18 years old.
    • Minimum income – RM24,000 p.a.

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card RM72.08 (Waived when card is swiped 12 times in a year or has a minimum of RM5,000 charged to it in a year)
    Annual fees – Supplementary card RM21.20 (Waived when card is swiped 12 times in a year or has a minimum of RM5,000 charged to it in a year)
    Finance charge on retail transactions 15% p.a. for Tier 1 cardholders 17% p.a. for Tier 2 cardholders 18% p.a. for Tier 3 cardholders
    Interest rate on cash advances 18% p.a.
    Late payment charges 1% of the outstanding balance. The late payment fee is subject to a minimum of RM10 and a maximum of RM100.
    Cash advance fee 5.30% of the amount advanced or a minimum of RM15.90, whichever is higher.
    Overseas transaction conversion fee Transactions are converted using exchange rates set by Visa/MasterCard International on date of posting of transaction and an additional fee of 1% is imposed as an administrative fee on the converted transaction by the Visa/MasterCard international
    Sales draft retrieval copy RM21.20 per copy
    Card replacement fee RM50 for every replacement
    Additional Statement request fee RM5.30 per copy
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