Alliance Bank Gold Card

    Alliance Bank Gold MasterCard is packed with features and benefits making it the perfect choice for those thinking about getting their first ever credit card. Annual fee for the first year  is waived and subsequent annual fees are also waived upon reasonable usage of the card. Alliance Bank offers an all-inclusive reward program which means you will be getting reward points even on payment of utility bills. Shop overseas and earn rewards points that never expire. It is also possible to convert your reward points into airline miles making this an ideal card for all who travel abroad frequently.


    • Get a comprehensive easy payment plan that lets you carry out retail purchases with ease. Convert larger retail purchases into manageable monthly payments.
    • Interest rates as low as 13.5% p.a. on timely minimum monthly payments.
    • Get low interest rates upon moving credit from transferring balance on previous credit cards from other banks to the Alliance Bank credit card.


    • Get airline miles in exchange for TBP(Timeless Bonus Points) Alliance Bank’s reward program for cardholders. Obtain 1000 Air miles(Enrich miles) for 6000 TBP(Timeless Bonus Points).
    • Get attractive discounts and offers at participating merchants.
    • Accepted at millions of merchant establishments worldwide.
    • Obtain cash advance withdrawal to a maximum of 100% of your credit limit.
    • A reward program (TBP) whose points don’t expire.
    • Reward points are earned on all purchases except for petrol and transactions at government agencies.
    • Earn 2x TBP reward points on every RM1 overseas retail purchase.
    • Earn 2x TBP reward points for RM1 spent on utility bills.
    • 1x TBP on every RM1 spent on domestic retail.

    Eligibility Criteria Applicants are required to meet the following criteria to avail this card:

    • A minimum yearly income of RM24,000
    • Minimum age of 21 years for the primary cardholder
    • Minimum age of 18 years for supplementary cardholder

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card RM156.88 (Waived when you spend RM5,000 or swipe 12 times each year)
    Annual fees – Supplementary card RM31.80
    Interest-free period 20 days
    Finance charge on cash advance 5.3% of the amount advanced or a minimum of RM15.90, whichever is higher, per transaction. Cash Advance withdrawal up to 80% of the credit limit of your Card
    Late payment charges 1% of the outstanding balance or RM10 whichever is higher. The maximum fee that can be charged is RM100
    Cash advance fee 5% of the amount withdrawn subject to a minimum fee of RM15
    Overseas transaction conversion fee Transactions are converted using exchange rates set by Visa/MasterCard International.  An additional fee of 1% is imposed as an administrative fee on the converted transaction by the Visa/MasterCard international
    Sales draft retrieval copy RM5.30 per copy
    Card replacement fee RM50 for every replacement
    Additional Statement request fee RM5.30 per copy
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