Alliance Bank Visa Virtual Credit Card
RM 2,000
Minimum monthly income
RM 0
Annual fee
No annual fees15%
Interest rate p.a
0%
Balance transfer rate (fixed)
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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 HD08 or RM800 credits via Rewards360 when you apply, activate and spend with Alliance Bank Virtual Credit Card via CompareHero today.
Product details
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 income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
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 |
| 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
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
- 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
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Product review by 
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:
| Category | Timeless Bonus Points Earned |
| E-commerce and e-wallet top ups | 8 Points (For each RM1 spent) |
| Dining spend | 3 Points (For each RM1 spent) |
| Local transactions such as auto-billing, retail, entertainment | 1 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
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.
