0% Flexi Payment Plan
Alliance Bank Visa Infinite - Unbeatable Perks
Planning for a trip overseas can surely dry your pocket because from flight tickets to accommodation, everything is costly. Put aside your dilemma and plan your next big trip overseas with Alliance Bank Visa Infinite.
For 3 months, you can now purchase flight tickets, make hotel bookings and perform overseas transactions in instalments with Alliance Bank Visa Infinite 0% Flexi Payment Plan for travel.
That's not all, you as the Principal cardholder can unwind before your flight with 2x complimentary access to participating Plaza Premium Lounges worldwide! For lounges in Malaysia, your accompanying guests (2 years and above) get a 25% discount on the walk-in rate while for lounges overseas, they get a 20% discount instead. Click here to view the T&C.
Additionally, as a Principal cardholder, you also get 1x complimentary access to selected Travel Club Lounge in Malaysia! Terms and conditions apply.
You can bet your trip will be smooth sailing and a memorable one with Alliance Bank Visa Infinite credit card!
Timeless Bonus Points
Timeless Bonus Points (TBP) are an incentive given in the form of reward points, whereby you can collect without limit and then convert them into items of value by redeeming them.
For Alliance Bank Visa Infinite credit cardholders, your Timeless Bonus Points are five times higher than the Platinum, Gold and Classic counterparts when you swipe on retail purchases overseas.
You'll earn 8x TBP when you make any online shopping transaction and eWallet reloads of your choice, as well as 5x TBP for dining, groceries and overseas spending.
Meanwhile, get 1x TBP for every Ringgit spent locally, except for petrol and government transactions.
Please note that the online shopping and eWallet reload categories have a capping amount of RM3,000 per statement cycle. Suppose you exceed this amount, you get 1x TBP instead for the said categories.
Dedicated Travel Assistance
When you are too caught up with work 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 personalised customer service, 24 hours a day, 7 days a week through the Visa Infinite Customer Center.
Privileged Banking Services
Every time you commit to Alliance Bank's financial products - from credit cards to deposits, home loans, investments and other services - you will be rewarded with Timeless Bonus Points.
Plus, you will also experience top-notch treatment from Privilege Banking services.
Splendid credit features just for you
Looking for more benefits? Before owning this credit card, you will also get to enjoy a couple of credit features, namely the Alliance Bank Balance Transfer and Alliance Bank Fast Cash which can surely help you manage your finances better.
Alliance Bank Balance Transfer
With this credit feature, you can accumulate all of your other credit outstanding balances into one (1) plan with a lower interest rate and a longer repayment period. Valid until 31 December 2024, you can get the chance to enjoy ZERO interest over a 6-month tenure with Alliance Bank Balance Transfer. Check out the terms and conditions here.
Alliance Bank Fast Cash
Get the cash that you want whenever you need it with the Alliance Bank Fast Cash plan. Enjoy as low as 9.88% interest rate per annum over 12, 24 or 36 months of repayment tenures. To sign up for this exciting offer, you can apply for fast cash of a minimum of RM1,000, up to a maximum of 80% of your available credit limit. Terms apply.
Annual Fee Waiver
For the first year, you will never have to pay a single credit card annual fee with this Alliance Bank credit card.
You can still continue to enjoy the waiver from the second year onwards and all you have to do is spend a minimum of RM12,000 per year.
That's RM1,000 a month - let's see, if you charge all your utility bills, phone bills, or car loan repayment on your card (please make prompt payments) you'll spend RM12,000 in no time!
Alliance Bank Visa Infinite Finance Charge
What is the interest rate imposed on repayments?
| Conditions of Repayments | Tiered Interest Rate (p.a.) |
| Prompt Repayment every month | 15% |
| Prompt Repayment 10 out of 12 months | 17% |
| Prompt Repayment of less than 10 out of 12 months AND New Card members | 18% |
Previously, the finance charge was only imposed on the below that were 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 balances 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 a miscellaneous fee (if any) EXCEPT Late Payment Charges
A 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 in Finance Charge will not have any impact if you do not have any unpaid outstanding balance.
You will continue to enjoy a 20-day interest-free period, provided that the outstanding balances of your Alliance Bank Visa Infinite are carried forward from the previous month's statement cycle and are paid in full.
