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    Alliance Bank Visa Infinite Credit Card

    Travelling can be a rewarding experience no matter what place you’re looking to discover. With the Alliance Bank Visa Infinite Credit Card, you can look forward to a more gratifying experience whenever you head out of town.

    For every retail purchase you make using this card, you can earn multiple reward points that can be redeemed later for free flights or even gift vouchers.

    The major highlights of this card are:

    • Earn Timeless Bonus Points for local and overseas retail spends.
    • Redeem these Timeless Bonus Points for air miles of selected frequent flyer programmes, lifestyle products, and gift vouchers.

    Best Suited for

    • Those who travel frequently in Malaysia or around the world.

    Key Features and Benefits

    Features/Benefits Description
    Rewards for overseas retail purchases Earn 5x Timeless Bonus Points for every RM1 spent
    Rewards for local retail purchases Earn 2x Timeless Bonus Points for every RM1 spent
    Air Miles conversion Convert your Timeless Bonus Points for air miles of partnering frequent flyer programmes, such as Enrich and AirAsia BIG.

    Other Benefits

    • The principal card’s annual fees can be waived with a minimum spend of RM30,000 p.a.
    • Get a supplementary credit card for free.
    • Enjoy unlimited complimentary access to Plaza Premium Lounge in KLIA.
    • Get an exclusive hotline for all travel-related services on all weekdays.
    • Enjoy unlimited access to more than 850 VIP lounges around the world with complimentary Priority Pass Membership.
    • Get complimentary travel insurance with overseas medical expenses cover of up to RM50,000.
    • Get Visa Infinite Concierge Service at any hour throughout the year.

    How can You Earn Timeless Bonus Points?

    Here’s a table showing how you can earn Timeless Bonus Points in each spending category with your Alliance Bank Visa Infinite Credit Card:

    Spending Category Number of Timeless Bonus Points
    Overseas Retail Spends Earn 5x Timeless Bonus Points for every RM1 spent
    Local Retail Spends Earn 2x Timeless Bonus Points for every RM1 spent

    Here’s the rate of conversion for air miles:

    • For 6,000 Timeless Bonus Points, you get 1,000 Enrich Miles.
    • For 3,000 Timeless Bonus Points, you get 1,000 AirAsia BIG Points.

    What Does the Complimentary Travel Insurance on This Card Cover?

    The complimentary travel insurance plan that comes with your Alliance Bank Visa Infinite Credit Card covers you for travel inconveniences like loss of luggage for up to RM5,000. You’re also covered in case of flight delays and missed flight connections for up to RM2,000.

    For overseas medical expenses, your coverage can go up to RM50,000. In the event of accidental death or total permanent disablement, you’re covered up to RM2 million.

    Balance Transfer Plan

    Transfer the outstanding balance you have on another bank’s credit card to your Alliance Bank Visa Infinite Credit Card with the Balance Transfer Plan. With this feature, you can consolidate all your debts on multiple credit cards to a single card.

    Most importantly, you can pay off this balance to the bank at a low interest rate over flexible repayment periods. Here’s a table showing the details of this plan:

    Minimum Transaction Amount Tenure Options 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

    The Fast Cash facility on your Alliance Bank Credit Card helps you get cash whenever you need it. You can withdraw a minimum of RM1,000 and choose from flexible tenures that go up to 36 months.

    Here’s a table showing details of 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 RM150,000 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

    How Do You Apply?

    Channel of Application Procedure
    Offline Head over to the nearest Alliance Bank branch and fill out the correct application form. Submit it to the bank along with all necessary documents. You can also call the bank’s customer service team for any assistance.
    Online Visit Alliance Bank’s official website and navigate to the specific card page. Click on “Apply Now” and fill out the application form that’s available. Submit this form and upload all necessary documents.

    Fees and Charges

    Type of Fees Charges
    Interest Rates 15% p.a. – 18% p.a.
    Annual Fees – Principal Card RM800.
    Annual Fees – Supplementary Card Free for life.
    Minimum Monthly Repayment 5% of the total outstanding balance or RM50, whichever is higher.
    Late Payment Charges 1% of the total outstanding balance or RM10, whichever is higher. This charge is capped at RM100.

    Promotions

    Here are the latest promotions that you can benefit from with the Alliance Bank Visa Infinite Credit Card:

    • Get a one-time promotional offer of 0% interest for a 6-month Balance Transfer plan. This offer is available for all new and existing Alliance Bank Visa Infinite Credit Card holders who’ve never made use of this feature before.
    • Enjoy 30% off Agency Service fees when you pay with your Alliance Bank Visa Infinite Credit Card at Transavia. This offer is valid until 31 December 2018.

    You’re sure to have a convenient and hassle-free experience on your travels with the Alliance Bank Visa Infinite Credit Card in your wallet. From free flights and seat upgrades to complimentary travel insurance cover and an exclusive travel hotline, there’s plenty to take advantage of at every stage of your trip.

    Frequently Asked Questions

    Q. Is there a binding condition to enjoy complimentary access to VIP lounges with the Priority Pass Membership?

    A. Yes. Complimentary VIP lounge access is only valid for the current and following calendar year if you spend a minimum cumulative retail amount of RM300,000 in that year. Your lounge visits are limited to 12 times in case of a minimum cumulative retail spend of RM150,000.

    If neither of these spending conditions are satisfied, you’re limited to 6 complimentary lounge visits for the first calendar year alone.

    Q. What is the withdrawal limit for the Fast Cash feature of your Alliance Bank credit card?

    A. As the principal cardholder of a new or existing Alliance Bank credit card, you can withdraw up to 80% of your available credit limit in multiples of hundreds.

    Q. Is there an expiry date for the Timeless Bonus Points I earn?

    A. No. The Timeless Bonus Points that you earn with your Alliance Bank Visa Infinite Credit Card never expire. You can redeem it for air miles and gift vouchers. You can also redeem these points for lifestyle products across a host of categories, including electrical appliances, gadgets, and kitchen appliances.

    Q. Is there a qualifying condition for me to get the complimentary travel insurance cover?

    A. Yes. For travel insurance cover to kick in, you should charge the full fare of your flight tickets to your Alliance Bank Visa Infinite Credit Card.

    Q. I’m a foreign national working in Malaysia. Can I apply for the Alliance Bank Visa Infinite Credit Card?

    A. Yes. As a foreign national, you need to provide a copy of your work permit in Malaysia with the remaining validity period being a minimum of one year from the application date.

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