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Alliance Bank Credit Card Minimum Income and Annual Fee Comparisons

Find the minimum income requirements and annual fees for Alliance Bank credit cards below.

Minimum Income Requirements

Alliance Bank Credit CardMinimum Monthly Income (RM)Minimum Annual Income (RM)
Infinite5,00060,000
Signature4,00048,000
Platinum2,00024,000

Annual Fees

CardPrincipal (RM)Supplementary (RM)
InfiniteVisa: 438

Mastercard: -		Visa: Waived

Mastercard: -
SignatureVisa: 148

Mastercard: 148		Visa: Waived

Mastercard: Waived
PlatinumVisa: 120

Mastercard: 438		Visa: Waived

Mastercard: Waived

Alliance Bank Visa Infinite Card

Features & Benefits
For Every RM1 Spent, you get to earn:
• 10X TBP Overseas Transactions
• 1X TBP Domestic Transactions

Three-Year Bonus Point (TBP) where you can redeem attractive gifts i.e. vouchers, items, airlines miles and many more!

Eligibility
• minimum annual income - RM 60,000
• minimum age for principal cardmember - 21 years old
• minimum age for supplementary cardmember - 18 years old
• supplementary cardmember must be immediate family members

Fees & Charges
• annual fee - RM 438 (principal), waived for supplementary
• annual fee waiver - 1st year waived
• cash advance fee - 1.25% or minimum RM 3, whichever higher
• late payment charge - 1% or RM 10, whichever higher up to RM 100
• finance charge on retail purchases - 15% p.a. to 18% p.a. (tiered)
• finance charge on cash advance - 18% p.a. calculated on daily basis
• overseas transactions conversion fee - conversion rate and charges to Ringgit Malaysia as determined by Visa and shall include 1% forex conversion spread

Finance Charges
• Tier 1
  • 15% p.a.: Prompt minimum payment for the past 12 consecutive months

• Tier 2
  • 17% p.a.: Prompt minimum payment for 10 months or more in the past 12 consecutive months

• Tier 3
  • 18% p.a.: Cardmembers who do not fall within any of the above categories

Documents Required
• Salaried, MNC, PLC
  • Copy of MyKad (both sides) or a copy of a valid passport, and one of the following:
   • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun)
   • Latest 1 month payslip

• Salaried, non-MNC, non-PLC
  • Copy of MyKad (both sides) or a copy of a valid passport, and one of the following:
   • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun)
   • Latest Borang BE together with official tax receipt or bank-in slip

• Self employed (min 2 years in business)
  • Copy of MyKad (both sides) or a copy of a valid passport
  • Business Registration Certificate/Trading License/Form 9, Form 24, Form 49, and one of the following:
   • Latest 6 months' bank statements
   • Latest 1 Year Borang B and Tax receipt/e-Ledger

*Non-Malaysians will need to submit a copy of working permit with a minimum remaining validity of 1 year from the date of application.
*The bank may request for any additional documents at its discretion.

Reference
Alliance Bank Visa Infinite Card Product Disclosure Sheet

Alliance Bank Signature Credit Card

Features & Benefits
• Cashback up to 5% on all retail spend i.e. online shopping, e-Wallet petrol, grocery, dining, utilities
  •  Spend amount between RM1 – RM1,000 | 0.05% cashback | Up to RM0.50 of cashback amount
  •  Spend amount between RM1,001 – RM2,000 | 0.50% cashback | Up to RM5.00 of cashback amount
  •  Spend amount between RM2,001 – RM3,000 | 5.00% cashback | Up to RM50 of cashback amount
  •  Spend amount ≥ RM3,001 | 0.25% cashback | Unlimited cashback amount

• 2 Complimentary e-hailing rides to airport worth RM80 per ride (applicable to local & overseas ride) i.e. via Grab, Uber, EasyBook, SOCAR with minimum spend RM120,000 p.a.
• 0% Balance Transfer for 6/12 months
• 0% for Fast Cash 6 months

Eligibility
• minimum annual income - RM 48,000
• minimum age for principal cardmember - 21 years old
• minimum age for supplementary cardmember - 18 years old

Fees & Charges
• annual fee - RM 148 (principal), waived for supplementary
• annual fee waiver - 1st year waived, subsequent years waived upon a minimum spend of RM 12,000 per year
• late payment charge - 1% or RM 10, whichever higher up to RM 100
• Interest rate - 15%
• 0% Balance Transfer for 6/12 months
• 0% for Fast Cash 6 months

Documents Required
• Salaried, MNC, PLC, GLC
  • Copy of MyKad (both sides) or a copy of a valid passport, and one of the following:
   • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) & Latest 1 month payslip
   • Last 3 months payslip & 1 month bank statement
   • Latest Borang BE & Tax receipt

• Salaried, non-MNC, non-PLC, non-GLC
  • Copy of MyKad (both sides) or a copy of a valid passport, and one of the following:
   • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) & latest 3 months bank statements
   • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun), latest payslip & latest 3 months bank statements

• Self-employed (min 2 years in business)
  • Copy of MyKad (both sides) or a copy of a valid passport
  • Business Registration Certificate/Trading License/Form 9, Form 24, Form 49, and one of the following:
   • Latest 6 months' bank statements
   • Latest 1 Year Borang B with 3 months bank statements

*Non-Malaysians will need to submit a copy of working permit with a minimum remaining validity of 1 year from the date of application.
*The bank may request for any additional documents at its discretion.

Reference
Alliance Bank Credit Card Product Disclosure Sheet

Alliance Bank Platinum Visa

Features & Benefits
For Every RM1 Spent, earn:
• 5X TBP Overseas Transactions, Dining, Groceries, Petrol and Essentials (Drugstore, Pharmacy, Convenience Stores)
• 1X TBP Other Domestic Retail Transactions

Three-Year Bonus Point (TBP) where you can redeem attractive gifts i.e. vouchers, items, airlines miles and many more!

Eligibility
• minimum annual income - RM 24,000 p.a.
• minimum age - 21 years old (principal), 18 years old (supplementary)
• supplementary cards are for immediate family members only

Fees & Charges
• annual fee - RM120 (principal), waived (supplementary)
• annual fee waiver - 1st year waived, subsequent years waived upon minimum 12X swipe in a year
• cash advance fee - 1.25% or minimum RM 3, whichever higher
• late payment charge - 1% or RM 10, whichever higher up to RM 100
• finance charge on retail purchases - 15% p.a. to 18% p.a. (tiered)
• finance charge on cash advance - 18% p.a. calculated on daily basis
• overseas transactions conversion fee - conversion rate and charges to Ringgit Malaysia as determined by Visa and shall include 1% forex conversion spread

Finance Charges
• Tier 1
  • 15% p.a.: Prompt minimum payment for the past 12 consecutive months
  • 17% p.a.: Prompt minimum payment for 10 months or more in the past 12 consecutive months
  • 18% p.a.: Cardmembers who do not fall within any of the above categories

Documents Required

• Salaried, MNC, PLC
  • Copy of MyKad (both sides) or a copy of a valid passport, and one of the following:
   • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun)
   • Latest 1 month payslip

• Salaried, non-MNC, non-PLC
  • Copy of MyKad (both sides) or a copy of a valid passport, and one of the following:
   • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun)
   • Latest Borang BE together with official tax receipt or bank-in slip

• Self-employed (min 2 years in business)
  • Copy of MyKad (both sides) or a copy of a valid passport
  • Business Registration Certificate/Trading License/Form 9, Form 24, Form 49, and one of the following:
   • Latest 6 months' bank statements
   • Latest 1 Year Borang B and Tax receipt/e-Ledger

*Non-Malaysians will need to submit a copy of working permit with a minimum remaining validity of 1 year from the date of application.
*The bank may request for any additional documents at its discretion.

Reference
Alliance Bank Platinum Visa Product Disclosure Sheet

Alliance Bank Profile

Alliance Bank is a Malaysian bank that offers end-to-end financing solutions for its customers such as credit cards and personal loans.

They also provide other services to its users through its several subsidiaries such as investments and Islamic banking.

Formed in 2001, Alliance Bank has emerged to be the Best SME Bank at the Asian Bank Excellence in Retail Financial Services International Awards in 2015.

The bank is committed in providing unified financial services from investments, consumer banking, business banking solutions and Islamic banking in order to deliver the best customer banking experience.

In 2001, the Alliance Banking Group, also known as the Alliance Financial Group, was formed after a successful merger of seven financial institutions.

Merged entities were introduced to the public as the Alliance Banking Group which constitutes:
• Alliance Bank Malaysia Berhad or the Alliance Bank
• Alliance Unit Trust Management Berhad
• Alliance Merchant Bank Berhad
• Alliance Finance Berhad

This dynamic and integrated financial services group offers an end-to-end financing solution through various segments such as:
• Business Banking
• Consumer Banking
• Investment Banking
• Islamic Banking

They continue to grow and expand by providing a wide range of financial products and services which include credit cards, personal loans, home loans, hire purchase and more!