DuitBase
My cards
Alliance Bank · Visa Infinite · Miles

Alliance Bank Visa Infinite

Earns
0.67 miles per RM Overseas
Lounge
2 visits a year Plaza Premium
Min income
RM60,000 a year
Annual fee
RM438 First year free
See it on Alliance Bank's site

Good for

  • Spend abroad. 10x points per RM1 in a foreign currency, about 0.67 Enrich miles per RM1.
  • 2 free Plaza Premium lounge visits a year, unlimited from the second year if you spend RM120,000 a year.
  • Visa Concierge for dining, travel and entertainment requests, all day, all year.

Watch out

  • Local spend earns only 1x points, about 0.07 Enrich miles per RM1.
  • RM438 annual fee from the second year.
  • Needs an income of RM60,000 a year.

What it earns

Three-year Bonus Points, per RM spent, and the miles they make in Enrich.

SpendingEarnsDetails
Spending in a foreign currency10 points per RM 0.67 miles per RM.
Spending in ringgit1 point per RM 0.07 miles per RM.
Government / LHDN / JPJ and PetrolNothing

Points and transfers

Enrich
15,000 points for 1,000 miles Moved in blocks of 75,000 points.

Travel

Airport lounges
2 free visits a year Plaza Premium. Worldwide. Unlimited from the second year if you spend RM120,000 in a calendar year. Plus 1 Travel Club Lounge visit at KLIA. Main cardholder only. Guests get 20% to 25% off.
Overseas spending fee
1% 1% Alliance Bank spread, on top of Visa's own rate and charges

Fees and charges

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

Annual fee
RM438 Free the first year.
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
15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. 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
RM18

Who can apply

Income
RM60,000 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

Other perks

Concierge
Visa Concierge Dining, travel and entertainment help, all day, all year. Call 1800 805 574.
Pay by phone
Apple Pay, Google Pay, Samsung Pay
Card network
Visa Infinite

Where this comes from