Credit Card Details

Minimum Income
RM 12000/month
Annual Fee
RM 0
up to 0%
Balance Transfer
From 0% p.a.
Interest Rate
15% p.a.
Easy Payment Plan
From 0% p.a.
Interest Free
20 days


Spend your Alliance Bank Visa Infinite overseas to get fivefold Timeless Bonus Points; Timeless Bonus Points for every Ringgit swiped in Malaysia. Collect enough TBP to redeem for free flights, lifestyle merchandises or vouchers.
5 points on every RM1 on all overseas retail spends
1 point on every RM1 on all local retail spends


Enjoy free flights or bump onto first class with air miles conversions. Plus, a travel insurance worth RM2 million when you charged full airline fares to Alliance Bank Visa Infinite.
Travel Insurance Up to RM2,000,000
Delayed Flight Up to RM2,000
Missed Flight Up to RM2,000
Lost Luggage Up to RM5,000
Delayed Luggage Up to RM2,000


Enjoy a personalized services at any Alliance Bank branches nationwide, or when you travel with 24/7 VISA Infinite concierge services. Take advantage of a dedicated travel hotline to arrange your all flight bookings, travel packages and hotel accommodation!

Balance Transfer

Start paying off your accumulated credit debt with a ZERO interest for up to 6 months with a minimum transfer of RM3,000 only.
6 months 0% p.a. and no one-time upfront handling fee from RM3,000
12 months 9.88% p.a. and no one-time upfront handling fee from RM1,000
18 months 9.88% p.a. and no one-time upfront handling fee from RM1,000
24 months 9.88% p.a. and no one-time upfront handling fee from RM1,000
Learn more about Alliance Bank Balance Transfer Plan

Fees & Charges

Annual Fee
  • RM800 primary cardFree for first year Waived when you spend RM30,000 each year
  • RM0 supplementary card
Sales And Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash Withdrawal Fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 80%


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who Can Apply
  • Anybody


Alliance Bank FastCash
Get the money you want when you need it with the Alliance Bank FastCash plan
Alliance Bank Balance Transfer Plan
Switch to the Alliance Bank Balance Transfer Plan to enjoy low interest rates starts from 9.88% p.a. when you transfer a minimum of RM1,000. You can even earn reward points on your transferred balance.


Alliance Bank Visa Infinite - The Gateway to Free Flights

Yes, your next business or leisure travel plan can be funded with air miles, instead of hard cash or credit payments. In partnership with Malaysia Airlines and AirAsia, you can redeem free flight tickets or flight upgrades when you exchange your Alliance Bank Visa Infinite's Timeless Bonus Points with AirAsia BIG Points or MAS Enrich Miles. Since you will also be rewarded with TBP annually based on your accumulated spend, Alliance Bank makes it easy for you to convert them at a fair conversion rate. For every 6,000 TBP, you can redeem 1,000 Enrich Miles, or 3,000 TBP for 1,000 AirAsia BIG Points.

Timeless Bonus Points

Timeless Bonus Points (TBP) is an incentive given in the form of reward points, whereby you can collect without limit and then convert it into items of value by redeeming it. For Alliance Bank Visa Infinite credit cardholders, your Timeless Bonus Points are five times higher than it's Platinum, Gold and Classic counterparts when you swipe on retail purchases overseas. Meanwhile, get 1x TBP for every ringgit spent locally, except for petrol and government transactions.

Dedicated Travel Assistance

When you are too caught up with works and life, planning for a trip can be stressful. In collaboration with Holiday Tours & Travel Sdn Bhd, you can just call them at 03 6286 6166 to have your travel arrangements planned and booked for you! There's more; have access to the 24/7 Visa Infinite Concierge Service, offering you the best in personalized customer service, 24 hours a day, 7 days a week through the Visa Infinite Customer Center.

Free RM2 Million Travel Insurance from Alliance Bank Visa Infinite

Enjoy peace of mind while travelling alone or with your loved ones when you charge the full fares of an overseas trip on your Alliance Bank credit card. You are automatically insured up to RM2 million in the event of death or permanent disability, and RM50,000 for medical expenses.

Privileged Banking Services

Every time you commit to Alliance Bank's financial products - from credit cards to deposit, home loan, investments and other services - you will be rewarded with Timeless Bonus Points. Plus, you will also experience top-notch treatment from Privilege Banking services.

Lifetime Annual Fee Waiver

You will never have to pay for a single credit card annual fee ever again with this Alliance Bank credit card. All you have to do is spend a minimum of RM30,000 within 12-months. That's RM2,500 a month - let's see, if you charge all your utility bills, phone bill, car and home loan repayment on your card (please make prompt payments) you'll spend RM30,000 in no time!

Alliance Bank Visa Infinite Finance Charge

What is the interest rate imposed on repayments?
Conditions of Repayments Tiered Interest Rate (Per Annum)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%
Previously, the finance charge is only imposed on the below that are not paid after the payment due date:
  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date
The finance charge is now based on the prevailing tiered interest rate (above) that will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges). These are carried forward from the previous statement until the outstanding balances are settled in full. All Fees and Charges include:
  • Retail Transactions
  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges
Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100. This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance. In fact,  you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances of your Alliance Bank Visa Infinite are carried forward from the previous month's statement cycle are paid in full.
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