Alliance Bank Visa Infinite - Unbeatable Perks

Planning for a trip overseas can surely drain 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 the first year! For the subsequent years, you can get unlimited access when you spend RM120,000 annually.

Additionally, as a Principal cardholder, you also get 1x complimentary access to selected Travel Club Lounges in Malaysia for the first year! Terms and conditions apply. Spend at least RM120,000 annually to enjoy unlimited access.

You can bet your trip will be smooth sailing and a memorable one with the 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 10x TBP when you shop overseas. Meanwhile, get 1x TBP for every Ringgit spent locally.

Dedicated Travel Assistance

When you are too caught up in work and life, planning for a trip can be stressful. Don't fret as you will 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 Centre.

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 a 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.