Alliance Bank Platinum Card

    With Alliance Bank Platinum Card, you get a wide range of privileges and benefits. You can earn Bonus Points and redeem them for various items. You can purchase expensive items on instalment.


    • You can earn 3x Timeless Bonus Points for every RM1 spent on overseas retail.
    • You can earn 2x Timeless Bonus Points for every RM1 spent on utilities, groceries, and petrol.
    • You can earn 1x Timeless Bonus Points for every RM1 spent on domestic retail.
    • You can redeem 6,000 Timeless Bonus Points for 1,000 Enrich Miles.
    • You get exclusive discounts at the participating merchant outlets.
    • You can avail Installment Payment Plan at the participating merchant outlets.
    • You get a dedicated customer service assistance.
    • When you report the lost card, you will not be liable for the purchases that were made after reporting the card.
    • The card is accepted around the world.
    • You get 20 days interest-free period provided you pay the balance in full.


    • 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.
    • You can earn Timeless Bonus Points that don’t expire on petrol, utilities, groceries, retail, etc.
    • The Timeless Bonus Points can be redeemed for Enrich Miles and AirAsia BiG Points.
    • With this card, you withdraw cash up to 100% of the credit limit.
    • The payments can be made through standing instructions, cash, cheque, internet banking, ATM, or at MEPS IBG.
    • You won’t be charged any exit fee if you settle the balance of Balance Transfer before its maturity.
    • Supplementary credit cards are offered for immediate family members who are above 18 years.

    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 – RM60,000 p.a.

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card RM464.28 (Annual fee is waived when RM50,000 or more is charged to the card in a year or with 12 swipes per year)
    Annual fees – Supplementary card No charge
    Minimum monthly repayment 5% of the outstanding balance or RM50, whichever is higher
    Interest-free period 20 days
    Finance charge on purchases 15% p.a. for the users who make prompt minimum payment on or before due date for 12 months. 17%  p.a. for the cardholders who make prompt minimum payment on or before the due date for 10 or more months in 12 consecutive months. 18% p.a for the cardholders not falling under above mentioned categories.
    Finance charge on cash advance 18% p.a.
    Late payment charges 1% of outstanding balance or RM10, whichever is higher up to a maximum of RM100
    Cash advance fee 5.3% on the amount withdrawn or RM15.90, whichever is higher
    Overseas transaction conversion fee Any transaction carried out overseas is converted into Malaysian Ringgit at an exchange rate determined by Visa/MasterCard International in addition to a 1% fee according to the foreign exchange conversion spread by Alliance Bank
    Sales draft retrieval copy RM21.20 per copy
    Card replacement fee RM50 per replacement
    Additional statement request fee RM5.30 per copy
    Early settlement penalty for balance transfer No charge
    Early settlement penalty for Cash-on-Call Instalment Plan No charge
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