No annual fees at all
Alliance Bank Visa Basic
Alliance Bank Visa Basic
RM 2,000Min. Monthly Income
RM 0Annual Fee
15% p.aInterest Rate
A basic no-annual-fee credit card with a 0% instalment plan and discounts at participating merchants. Perfect for beginners!
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest EPF statement (13 months); or
- Latest 3 months salary slip
- Latest 3 months bank statement (with salary being credited)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for life
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Break free from the credit card debt spiral with the Alliance Bank Balance Transfer programme. Move your outstanding balances over and pay them down from as low as 0% interest, with tenures of up to 24 months and a minimum transfer of just RM1,000.