Alliance Bank · Visa · No rewards

Alliance Bank Visa Basic

Good for

This card earns no rewards.

Spending	Earns	Details
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and more	Nothing	Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Overseas spending fee: 0% No Alliance Bank spread. Visa's own rate and charges apply.

What it costs if you don't pay in full, or use it for cash.

Annual fee: Free for life No spending needed to keep it free.
Extra (supplementary) cards: No annual fee
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 14% a year A single rate, whatever your payment record. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any installments.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: 1.25% fee, at least RM3 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card: RM15

Income: RM24,000 a year or more
Age: 21 or older
Documents: MyKad copy (both sides) or a valid passport
Staff of a multinational, listed or government-linked company: EPF statement for the latest 13 months, or your latest payslip
Other employees: EPF statement for the latest 13 months, or your latest 3 months' payslips and 3 months' bank statements
Self-employed: business registration (Form 9, 24 or 49, or a trading license), plus your latest 6 months' bank statements or your latest Form B with tax receipt