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    Alliance Bank Rewards Credit Cards

    Alliance Bank offers Timeless Bonus Points (TBP) when you spend with these 6 credit cards mentioned below. The bank specifies that you earn 1 Timeless Bonus Point every time you spend RM1 on the specified categories. Each card has its own set of spend categories to award TBP.

    Types of Alliance Bank Credit Cards Offering Reward Points

    Alliance Bank Visa Infinite Card

    Spend Category Amount Spent Timeless Bonus Points Earned
    Local Retail Spend RM1 5x TBP
    Overseas Retail Spend RM1 2x TBP

    • Redeem free flights with the accumulated TBP.
    • Enjoy unlimited VIP lounge access with the complimentary Priority Pass Membership.
    • Get unlimited access to KLIA Plaza Premium Lounge for free.
    • Get a complimentary travel accident insurance cover of up to RM2 million.
    • Enjoy the Privilege Banking services.

    Consider that you have spent RM2,000 on overseas retail purchases and RM3,000 on local retail purchases in a month. The card’s rewards programme says that you can earn rewards equivalent to 5x of the amount spent overseas and 2x the amount spent in Malaysia.

    In this case, you will earn 10,000 TBP on overseas spend and 6,000 TBP on local spend. A total of 16,000 TBP will be credited to your card account for the money.

    Spend Category Amount Spent Rewards Scheme Rewards Earned
    Overseas Retail Spend RM2,000 5x TBP = 5 x 2,000 = 10,000 10,000 TBP
    Local Retail Spend RM3,000 2x TBP = 2 x 3,000 = 6,000 6,000 TBP

    Alliance Bank Platinum Card

    Spend Category Amount Spent Timeless Bonus Points Earned
    Overseas Retail Spend RM1 3x TBP
    Petrol, Grocery, and Utility Bill Payment RM1 2x TBP
    All Other Local Retail Spends RM1 1x TBP

    • Redeem free flights from Enrich and AirAsia.
    • Enjoy unlimited complimentary access to KLIA Plaza Premium Lounge.
    • Get the assistance of the dedicated customer service hotline.
    • Enjoy the freedom to withdraw up to 100% of the credit limit.

    Suppose that you spend RM2,000 on overseas retail transactions; RM3,000 on petrol, groceries, and utility bills; and RM1,000 on other domestic retail transactions. According to the card, you earn 3x TBP on overseas spend. So, you earn 6,000 TBP.

    When you get 2x TBP on petrol, groceries, and utility bills, your account will be credited with 6,000 TBP. In the last case, you can earn 1,000 TBP on the other local retail purchases as the card says you can get 1x TBP. Totally, you can get 13,000 TBP on the month’s spend.

    Spend Category Amount Spent Rewards Scheme Rewards Earned
    Overseas Retail Spend RM2,000 3x TBP = 3 x 2,000 = 6,000 6,000 TBP
    Petrol, Groceries, and Utility Bills RM3,000 2x TBP = 2 x 3,000 = 6,000 6,000 TBP
    Other Local Retail Spends RM1,000 1x TBP = 1 x 1,000 = 1,000 1,000 TBP

    Alliance Bank You:nique Card

    Spend Category Amount Spent Timeless Bonus Points Earned
    All Categories RM1 2x TBP

    You will be automatically enroled to the Alliance OneBank Rewards Program. According to the program, you can earn TBP on every RM1 you spend on Alliance Bank’s financial products.

    • Personalise your credit card by getting your own image printed on the card.
    • Get unlimited cash rebates of up to 3% on all retail purchases, including petrol and groceries’ spend.
    • Save on outstanding balance payments with a low-profit rate of 9% p.a.

    If you have spent RM3,500 with your You:nique Card, then you will get twice the money spent as TBP. That means you will get 7,000 TBP for the amount you have spent.

    Amount Spent Rewards Scheme Rewards Earned
    RM3,500 2x TBP = 2 x 3,500 = 7,000 7,000 TBP

    Alliance Bank Gold Card

    Spend Category Amount Spent Timeless Bonus Points Earned
    Overseas Retail Spend RM1 2x TBP
    Utility Bill Payment RM1 2x TBP
    All Other Local Retail Spends RM1 1x TBP

    • Earn TBP on specified spend categories.
    • Enjoy the Instalment Payment Plan at 0% profit rates with an extended repayment tenure.
    • Enjoy worldwide recognition and acceptance of the card.
    • Get exclusive privileges and deal at the participating merchant outlets.

    Consider that you spend RM2,000 on overseas retail purchases, RM1,000 on utility bill payments, and RM4,000 on the other local retail spends. The card specifies that you can earn 2x TBP on overseas spend, 2x TBP on utility bill payments, and 1x TBP on local retail spend.

    Therefore, you can earn 4,000 TBP on overseas spend, 2,000 TBP on utility bill payments, and 4,000 TBP on the other retail transactions made in Malaysia. The total TBP you earn for the month is 10,000.

    Spend Category Amount Spent Rewards Scheme Rewards Earned
    Overseas Retail Spend RM2,000 2x TBP = 2 x 2,000 = 4,000 4,000 TBP
    Utility Bills RM1,000 2x TBP = 2 x 1,000 = 2,000 2,000 TBP
    Other Local Retail Spends RM4,000 1x TBP = 1 x 4,000 = 4,000 4,000 TBP

    Alliance Bank Classic Card

    Spend Category Amount Spent Timeless Bonus Points Earned
    Overseas Retail Spend RM1 1x TBP
    Local Retail Spend RM1 1x TBP

    • Redeem air miles from partner airlines with the accumulated TBP.
    • Get worldwide recognition and acceptance for your card.
    • Enjoy great deals and offers at merchant partner outlets.
    • Get the assistance you need with the customer service hotline facility.

    The Classic Card offers 1x TBP on overseas and local retail spend. So, if you have spent RM3,500 on local retail transactions and RM2,500 on overseas transactions, you will receive 3,500 TBP and 2,500 TBP respectively. They sum up to 6,000 TBP.

    Spend Category Amount Spent Rewards Scheme Rewards Earned
    Local Retail Spend RM3,500 1x TBP = 1 x 3,500 = 3,500 3,500 TBP
    Overseas Retail Spend RM2,500 1x TBP = 1 x 2,500 = 2,500 2,500 TBP

    Fees and Charges

    Fees and Charges/Cards Alliance Bank Visa Infinite Card Alliance Bank Platinum Card Alliance Bank You:nique Card Alliance Bank Gold Card Alliance Bank Classic Card
    Annual Fee (Primary Card) RM800. RM438. RM148. RM148. RM68.
    Annual Fee (Supplementary Card) Waived. Waived. RM30. RM30. RM20.
    Finance Charges All cards: 15% p.a. to 18% p.a. You:nique Card: 9% p.a. to 18% p.a.
    Minimum Monthly Payment RM50 or 5% of the statement balance, whichever is higher.
    Late Payment Penalty RM10 or 1% of the statement balance, whichever is higher; capped at RM100.
    Cash Advance Fee 5% of the advance amount or RM15, whichever is higher.
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis.

    Note:

    1. The annual fee on Alliance Bank Visa Infinite Credit Card is waived if you make a minimum spend of RM30,000 in a year.
    2. For all other cards, the annual fee is waived on a minimum spend of RM5,000 or on 12 swipes over a period of 12 months.

    Eligibility Criteria

    Factors Eligibility
    Minimum Age Criterion (Principal Cardholder) 21 years.
    Minimum Age Criterion (Supplementary Cardholder) 18 years.
    Minimum Annual Income Criterion Alliance Bank Visa Infinite Card: RM150,000.
    Alliance Bank Platinum Card: RM60,000.
    Alliance Bank You:nique Card: RM24,000.
    Alliance Bank Gold Card: RM24,000.
    Alliance Bank Classic Card: RM24,000.

    Documents Required

    key Factors Documents
    Salaried Employees of Multi-National Companies (MNC) or Public-Listed Companies (PLC) A copy of NRIC or a valid passport together with one of the documents given below:
    • Latest months’ salary slip.
    • Latest EA Form.
    • Latest EPF statement.
    • Latest Borang BE with the tax receipt.
    Salaried Employees of Other Companies
    • A copy of NRIC or a valid passport.
    • Latest 3 months’ salary slip.
    • Latest 3 months’ bank statement.
    • Latest EPF statement.
    • Latest Borang BE with the tax receipt.
    Self-employed Individuals
    • A copy of NRIC or a valid salary slip.
    • Business registration certificate.
    One of the documents given below:
    • Latest EPF statement dated within 3 months containing 6 months’ contributions.
    • Latest 6 months’ bank statements.
    • Tax Return Form with the tax receipt.
    Non-Malaysians
    • A copy of work permit with a minimum of 1-year validity from the date of application.

    Applying for Alliance Bank Credit Cards

    Mode Process
    Online Mode
    • Visit the bank’s website.
    • Open the credit card’s page.
    • Click on the Apply Now button.
    • Enter the required details.
    • Click on the Submit button.
    • A bank representative will call you to let you know on the further process.
    Offline Mode
    • Visit the nearest branch office.
    • Express your interest to apply for the card.
    • Fill up the application form.
    • Attach all the required documents.
    • Submit the application to the bank.

    Conclusion

    Experience a shower of reward points when you spend with any of the credit cards mentioned above. Each card specifies its own set of spend categories on which you can accumulate reward points. You can redeem the item of your choice from the available items in the Rewards Centre. The process of redemption is as simple as calling the customer care service, visiting the nearest branch or mailing the duly filled Redemption Form to the bank.

    FAQs on Alliance Bank Rewards Credit Cards

    Q. What is the air miles conversion scheme for Alliance Bank credit cards?

    A. You can redeem 1,000 Enrich Miles with 6,000 TBP. You can also redeem 1,000 BIG Points with 3,000 TBP.

    Q. Are there any exclusions on the retail spend to get TBP?

    A. Yes. The money spent on government-related and petrol transactions are not considered to award TBP. Petrol transactions are considered to provide TBP only for Alliance Bank Platinum Card.

    Q. Do I get TBP for the expenses done using a supplementary card?

    A. Yes. The expenses done using a supplementary card is considered to award TBP. However, the TBP will be credited to the corresponding principal card account.

    Q. Can I redeem cash with the accumulated TBP?

    A. No. You cannot redeem cash with the TBP you have accumulated.

    Q. Which categories of utility bills are considered to award TBP?

    A. The bank specifies that the TBP will be awarded when you pay electric, gas, sanitary, and water bills.

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