No messages to display, you can click continue or back.
Alliance Bank
Alliance Bank Visa Virtual Credit Card

Alliance Bank Visa Virtual Credit Card

RM 2,000

Minimum monthly income

RM 0

Annual fee

15%

Interest rate p.a

0%

Balance transfer rate (fixed)

Product details

Benefits


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 dynamic card number
Zero annual fees for life
8X Timeless Bonus Points for every RM1 spend on e-Commerce and eWallet top-up transactions (both capped at RM3,000 per statement cycle)
1X Timeless Bonus Points for every RM1 spend on Contactless, Entertainment, Auto-Billing and other retail transactions
Timeless Bonus Points don't expire
0% Balance Transfer promotion for 6 months for New-to-Bank Cardmembers
Eligibility
Minimum monthly income RM 2,000
Minimum age:
Cardholder 21
Supplementary Cardholder 18
Fees & Charges
Annual fee RM 0
Free for life
Annual fee waiver No
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 with minimum transfer of RM1,000 (for new-to-bank customers only)
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 statement (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
  • Latest 1 month's payslip

Salaried Earners
Non-MNC/PLC/GLC

  • Copy of NRIC (both sides) or a copy of a valid passport AND
  • EPF statement (showing minimum latest 13 months' record printed from handheld or i-Akaun) OR
  • Latest 3 months' payslip AND
  • 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 the Gold Visa. The best part of it all, the Timeless Bonus Points collected will not expire, hence, you can redeem exclusive products, gifts and more from the participating merchants.


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)
Contactless transactions, auto-billing, entertainment and other retail transactions 1 Point (For each RM1 spent)


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

With a low minimum requirement of only RM2,000, you can apply for the Alliance Bank Visa Virtual credit 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. 

There is no annual fee for Alliance Bank Visa Virtual Credit Card.

There are late payment fees and cash withdrawal fees. The late payment fee is around RM10 or 1%, while the cash withdrawal fee is RM15 or 5% of the total amount.

  • Receive 8x Timeless Bonus Points for e-commerce and e-wallet reloads
  • Receive 1x Timeless Bonus Points for contactless transactions, auto-billing, entertainment and other retail spending
  • No annual fees for life
  • Able to redeem awesome gifts and products from various merchants
  • Extra security with dynamic card number to masks your real credit card number from potential fraud cases

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