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    Alliance Bank Visa Basic Card

    Alliance Visa Basic card offers low annual fees on both the principal and supplementary cards. It also provides an annual fee waiver if you fulfil specific conditions imposed by the bank.

    Main Highlights:

    • Low annual fee
    • Annual fee waiver by meeting certain conditions.

    Best Suited For:

    • Those who want to pay low annual fees.

    Key Features and Benefits

    Key Features/Benefits Description
    Annual Fee

    Principal card: RM20

    Supplementary card: RM10

    Waived for a minimum spend amount of RM5,000 or minimum 12 swipes each year.

    Balance Transfer 6.99% p.a. to 7.99% p.a.
    Fast Cash 6.99% p.a. to 7.99% p.a.

    Additional Benefits:

    How to Get an Annual Fee Waiver

    • Spend a minimum of RM5,000 on local or overseas expenses each year, or
    • Swipe your card at least once a month, or minimum 12 times each year.

    Balance Transfer Plan

    • Transfer your outstanding amount on other banks’ credit cards to this card.
    • Choose from 3 balance transfer plans according to your preference.
    Plan Tenure Interest Rate Minimum Transfer Amount
    12 months 6.99% p.a. RM1,000
    24 months 6.99% p.a. RM1,000
    36 months 7.99% p.a. RM1,000

    Fast Cash Programme

    • Withdraw cash up to 80% of your available credit limit as per your financial needs.
    • Choose from 3 different repayment tenure.
    • Withdraw a minimum of RM1,000 or more.
    Plan Tenure Interest Rate Minimum Amount
    12 months 6.99% p.a. RM1,000
    24 months 6.99% p.a. RM1,000
    36 months 7.99% p.a. RM1,000

    Eligibility Criteria

    Age

    Principal card: 21 years and above

    Supplementary card: 18 years and above

    Annual Income RM24,000

    Documents Required

    Types of Applicants Required Document
    Salaried Applicants For MNC/PLC:
    • Copy of NRIC (front and back)
    • Latest payslip (1 month), or
    • Latest Form EA, or
    • Latest EPF statement, or
    • Latest Borang BE (with tax payment receipt)
    For non-MNC/PLC:
    • Copy of NRIC (front and back) or valid passport
    • Latest payslip (3 months)
    • Latest Borang Be (with tax receipt or bank slip), or
    • Latest bank statement (3 months), or
    • Latest EPF statement
    Self-employed Applicants
    • Copy of NRIC (front and back) or valid passport
    • Form D and business registration form, or
    • Form 9, 24, and 49
    • Any one of the following documents:
      • Latest bank statement (6 months)
      • Latest EPF statement (less than 3 months old with at least 6 monthly contributions)
      • Tax Return Form (with tax receipt)

    How to Apply

    Channel of Application Procedure
    Online Application
    • Fill up the online application form available on the Alliance website.
    • Submit the form.
    • An Alliance Bank representative will contact you to assist you with this process.
    Branch Application
    • Visit your nearest branch.
    • Complete and submit the application form along with mandatory documents.

    Fees and Charges

    Fees Charges
    Annual Fee

    Principal card: RM20

    Supplementary card: RM10

    Waived on both cards for a minimum spend of RM5,000 or 12 swipes in 12 months

    Finance Charges 15% p.a. to 18% p.a.
    Late Payment 1% of the total outstanding amount or RM10, whichever is higher Maximum is RM100
    Cash Advance Fee 5% of the advanced amount or RM15, whichever is higher
    Cash Advance Charge 18% p.a.
    Overseas Transaction Fee 1% and any transaction fee charged by Visa International
    Card Replacement RM15 (each card)
    Duplicate Statement RM5 (each statement)
    Retrieval of Sales Draft RM5 (each copy)

    Promotions

    • Enjoy 8% discount on hotel room bookings on Hotels.com. This offer is applicable for available rooms, and valid with the promo code VISA8. This promotion is ongoing until 31 December 2018.
    • Get access to 0% 6-month balance transfer plan with this card. This offer is applicable for new bank customers only, and is subject to a minimum transfer amount of RM3,000. This promotion is ongoing until 31 December 2018.
    • Pay your bills through JOMPAY via allianceonline to win a Limited Edition Mini John Cooper Works 3 Door. This offer is valid for utility bill payments through JOMPAY. This promotion is ongoing until 30 September 2018.

    The Alliance Visa Basic Card is a no-frills card that you can use for your monthly expenses. Your transactions can earn you an annual fee waiver. Read all terms and conditions before you apply for this card.

    Frequently Asked Question’s

    Q. Can I use this card for overseas expenses?

    A. Yes. You can use this card for overseas expenses.

    Q. Whom should I contact for any queries on this card?

    A. You can contact the customer service department at 03 5516 9988 for any queries on this card.

    Q. How can I locate the nearest branch?

    A. Click on “Locate Us” on the Alliance Bank website. Enter your state and area to locate the nearest branch.

    Q. Can I settle the balance transfer facility fully before the maturity date?

    A. Yes. You can settle the balance transfer facility before the maturity date. You will not be charged any exit penalty fee for early settlement.

    Q. What should I do if I lose my card?

    A. You need to contact Alliance Bank immediately to report the loss of your card. You can contact on the customer service hotline number to notify the bank.

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