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    Alliance Bank Platinum Credit Card

    Alliance Bank Platinum Credit Card rewards you for every swipe, whether it’s done overseas, at a petrol station, or even for utility payments. Use this credit card for all your retail transactions to earn multiple reward points.

    The major highlights of this card are:

    • Earn Timeless Bonus Points on local and overseas retail transactions.
    • Redeem Timeless Bonus Points that you’ve earned for air miles of selected frequent flyer programmes, gift vouchers, and lifestyle products.

    Best Suited for

    • Retail shoppers.
    • Frequent flyers.

    Key Features and Benefits

    Features/Benefits Description
    Rewards for overseas retail purchases For every RM1 spent, earn 3x Timeless Bonus Points
    Rewards for utilities, grocery, and petrol spends For every RM1 spent, earn 2x Timeless Bonus Points
    Rewards for domestic retail purchases For every RM1 spent, earn 1x Timeless Bonus Points
    Air miles conversion Redeem your Timeless Bonus Points for air miles of partnering frequent flyer programmes, such as Enrich and AirAsia BIG

    Other Benefits

    • Annual fees for the principal card can be waived each year by spending a minimum of RM5,000 p.a. or swiping your card at least 12 times in a year.
    • The supplementary credit card is free for life.
    • Get access to exclusive deals, offers, and discounts at partnering merchant outlets.
    • Alliance Bank PB and AP members get unlimited complimentary access to Plaza Premium Lounge in KLIA.
    • Convert retail spends made at participating outlets into monthly instalments at 0% interest.
    • Get assistance at every step through an exclusive customer service hotline.
    • Zero liability when you report a lost, misplaced, or stolen card immediately.

    How can You Earn Timeless Bonus Points?

    Earning Timeless Bonus Points with your Alliance Bank Platinum Credit Card is simple. Here’s a table showing all details that you need:

    Spending Category Number of Timeless Bonus Points
    Retail spends made overseas Earn 3x TBPs for every RM1 spent
    Retail spends on utilities, grocery, and petrol Earn 2x TBPs for every RM1 spent
    Retail spends made locally Earn 1x TBPs for every RM1 spent

    Here’s the rate of conversion for air miles:

    • Convert 6,000 Timeless Bonus Points to 1,000 Enrich Miles.
    • Convert 3,000 Timeless Bonus Points to 1,000 AirAsia BIG Points if you’re an Alliance Bank Platinum Visa Credit Card holder.

    Balance Transfer Plan

    With the Balance Transfer plan, you can use your Alliance Bank Platinum Credit Card to consolidate all your credit card debt onto a single card. Just transfer the outstanding balance on another bank’s card to your Alliance Bank credit card for a low interest rate and flexible tenure options.

    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

    Need extra funds for the rest of the month? Your Alliance Bank Platinum Credit Card comes with a Fast Cash feature that gives you access to cash in case of financial emergencies. The minimum amount you can withdraw is RM1,000 and the repayment tenure can go up to 36 months.

    Here’s a table with all 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 (Principal Cardholder) 21 years
    Minimum Age (Supplementary Cardholder) 18 years
    Minimum income requirement RM60,000 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

    Non-Malaysians can also apply for the Alliance Bank Platinum Credit Card by providing a copy of his/her work permit in Malaysia. The remaining validity period should be a minimum of one year from the application date.

    How Do You Apply?

    Channel of Application Procedure
    Offline Drop by the nearest branch of Alliance Bank and fill in the card’s application form. Submit this form along with all mandatory documents to the bank. Contact the bank’s customer service team if you need further assistance.
    Online Visit Alliance Bank’s official website and navigate to the correct credit card page. Click on “Apply Now” and fill out the online application form that pops up. Submit this form and upload all documents that are specified by the bank.

    Fees and Charges

    Type of Fees Charges
    Interest Rates 15% p.a. – 18% p.a.
    Annual Fees – Principal Card RM438
    Annual Fees – Supplementary Card Free for life.
    Minimum Monthly Repayment The higher amount between 5% of the total outstanding balance and RM50.
    Late Payment Charges The higher amount between 1% of the total outstanding balance and RM10. This charge is capped at RM100.

    Promotions

    Here’s the latest alliance bank credit card promotion that you’re eligible for as an Alliance Bank Platinum Credit Card holder:

    • Enjoy a one-time promotion of a 6-month Balance Transfer plan at 0% interest. All new and existing Alliance Bank Platinum Credit Card holders who’ve never made use of the Balance Transfer feature before are eligible for this offer.

    Use your Alliance Bank Platinum Credit Card for all kinds of retail spends to earn as many Timeless Bonus Points as possible. You can redeem these points for a wide range of lifestyle products and accessories, including electronic gadgets, kitchen appliances, home appliances and children’s toys.

    Frequently Asked Question’s

    Q. Is the minimum transfer amount for the Balance Transfer promotion the same as other Balance Transfer plans?

    A. No. While the minimum transfer amount for regular Balance Transfer plans is RM1,000, the minimum transfer amount for the Balance Transfer promotional plan is RM3,000.

    Q. What is the withdrawal limit for cash advances on your Alliance Bank credit card?

    A. You can withdraw up to 100% of your available credit limit with the Cash Advance feature of your Alliance Bank credit card.

    Q. Can I earn Timeless Bonus Points on Fast Cash transactions?

    A. Yes. You can earn 500 Timeless Bonus Points for every RM10,000 that’s transferred to your account with the Fast Cash feature on your Alliance Bank Platinum Credit Card.

    Q. How is the cash disbursed once my Fast Cash application has been approved?

    A. On approval of your Fast Cash application, there are two ways how the funds can be transferred:

    • Internal transfer to your Alliance Bank account.
    • Inter Bank Giro (GIRO) transfer to an account of your choice in a licensed Malaysian bank.

    Q. Do I have to pay any additional charges for overseas transactions done with my credit card?

    A. Yes. All foreign currency transactions will be converted to Ringgit Malaysia at a rate that’s determined by the card’s payment provider on the date the transaction is processed. In addition, Alliance Bank will charge a 1% foreign exchange conversion spread on the transaction amount.

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