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Alliance Bank
Alliance Bank Visa Virtual Credit Card

Alliance Bank Visa Virtual Credit Card

RM 2,000

Minimum monthly income

RM 0

Annual fee
No annual fees

15%

Interest rate p.a

0%

Balance transfer rate (fixed)

Special Offers

Win a Dyson Hairdryer, Apple Watch SE or RM800 credits via Rewards360 when you apply, activate and spend with Alliance Bank credit cards via CompareHero today.

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Product details

Benefits

0% Balance Transfer for 6 months for New-to-Bank Cardmembers

    Features
    Good for Rewards/Offers
    Malaysia's first in-app virtual credit card
    Enhanced security feature masks your real credit card number with a temporary digital on
    Zero annual fees forever
    8X Timeless Bonus Points for Online & eWallet spend
    Timeless Bonus Points don't expire
    1X Timeless Bonus Points for other spend
    Eligibility
    Minimum monthly incomeRM 2,000
    Minimum age:
    Cardholder21
    Supplementary Cardholder18
    Fees & Charges
    Annual fee RM 0
    No annual fees
    Annual fee waiver Yes
    No annual fees
    Late payment fee RM 10/1%
    1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
    Interest rate 15%
    Settling minimum payment due for 12 consecutive month
    Balance transfer rate (fixed) 0%
    0% Balance Transfer for 6 months
    Document required to apply

    You will need to provide several documents such as (varies between different banks):

    Salaried Earners
    MNC/PLC/GLC

    • Copy of NRIC (both sides) or a copy of a valid passport AND
    • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
    • Latest 1 month payslip
    Salaried Earners
    Non MNC/PLC/GLC
    • Copy of NRIC (both sides) or a copy of a valid passport AND
    • EPF (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
    • Latest 3 months payslip & latest 3 months bank statements
    Self Employed
    • Business Registration Certificate/Trading License/Form 9, Form 24, Form 49 AND
    • Latest 6 months bank statements OR
    • Latest 1 year Borang B and tax receipt/e-Ledger

    Product review by CompareHero.my

    Love shopping online but don't feel safe enough to do it often? The Alliance Bank Visa Virtual Credit Card lets you enjoy the convenience of online shopping by giving you enhanced security features.

    Experience enhanced security features

    Pay for your online purchases safely with The Alliance Bank Visa Virtual Credit Card's secured payment tool that masks your real credit card number. You'll get a dynamic card number that refreshes every 30 minutes to further protect your real credit card number from scammers.

    Receive Timeless Bonus Points

    The Alliance Bank Visa Virtual Credit Card offers more Timeless Bonus Points than Gold Visa. Here’s a rough breakdown of the Timeless Bonus Points you’ll be receiving:

    CategoryTimeless Bonus Points Earned
    E-commerce and e-wallet top ups8 Points (For each RM1 spent)
    Dining spend3 Points (For each RM1 spent)
    Local transactions such as auto-billing, retail, entertainment1 Point (For each RM1 spent)

    The best part of it all, the Timeless Bonus Points collected will not expire, hence, you could redeem exclusive products, gifts and more from the participating merchants.


    Get zero annual fees forever

    Primary and supplementary cardholders of the Alliance Bank Visa Virtual Credit Card can enjoy no annual fees forever, This is a fixed benefit that doesn't require any minimum spend.

    FAQs

    Apply online with us in just two simple steps! You can also reach out to us at +6012-385 0211 if you have any inquiries and in need of extra assistance while you're filling up the application form. 

    With a low minimum requirement of only RM2,000, you can apply for the Alliance Bank Platinum Visa card. If you are 21 years old and above, you can apply for the primary card. Otherwise, you can apply for the supplementary card if you are 18 years old and above. 

    If you apply for the supplementary card, you will not be charged with any annual fee. As for the primary card, you need to pay a fee of RM120 every year. The first year, you are off the hook. But the years after that, you need to pay the RM120 unless you have met the requirements of getting your annual fee being waived, which is just making 12 swipes all throughout the year. 

    Besides the annual fees, there are late payment fees and cash withdrawal fees. The late payment fee is around RM10 or 1% and the cash withdrawal fee is RM15 or 5% of the total amount. You will also be charged with sales and service tax that applies to both supplementary and primary cardholders, which is RM25. 

    • Receive 8x Timeless Bonus Points for e-commerce and e-wallet reloads 
    • Receive 3x Timeless Bonus Points for international purchases and transactions 
    • Receive 1x Timeless Bonus Points for local purchases and transactions 
    • Able to get annual fees waived if 12 swipes are made within 1 year 
    • Able to redeem awesome gifts and products from various merchants 
    • Able to redeem 1,000 Enrich Miles with just 6,000 Timeless Bonus Points 


    For those who love to get rewarded and travel at the same time. Besides that, if you often shop online and use e-wallets, you’ll hugely benefit by getting the rewards in which you can redeem cool products. Plus, since you travel on a regular basis, you’ll get rewarded as well by being able to redeem Air Miles with the points earned. 

    Alliance Bank Visa Virtual Credit Card
    Alliance Bank Visa Virtual Credit Card
    Apply Now