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Alliance Bank · Visa Platinum · Miles

Alliance Bank Visa Virtual

Earns
0.54 miles per RM Touch 'n Go reloads
Lounge
None
Min income
RM24,000 a year
Annual fee
Free for life 1% overseas fee, lower than most
See it on Alliance Bank's site

Good for

  • Online spend and e-wallet top-ups earn 8x points, about 0.53 Enrich miles per RM1, on the first RM3,000 of each a month.
  • No annual fee.
  • The card number changes every 30 minutes, which protects online payments.

Watch out

  • Past RM3,000 a month, online and e-wallet spend earns only 1x points.
  • Virtual only: no plastic card, so in shops you pay by phone or DuitNow QR.
  • No airport lounge access.

What it earns

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

SpendingEarnsDetails
Online shopping, Online (foreign currency), Airlines (direct) and more online8 points per RM On the first RM3,000 a month. 0.53 miles per RM.
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and more8 points per RM On the first RM3,000 a month. 0.53 miles per RM.
Dining and Food delivery3 points per RM 0.2 miles per RM.
Spending in a foreign currency3 points per RM 0.2 miles per RM.
Everything else1 point per RM 0.07 miles per RM.
Government / LHDN / JPJNothing

Points and transfers

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

Travel

Airport lounges
None
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
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
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.

Who can apply

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
You upload them in the allianceonline app when you apply.

Other perks

Pay by phone
Apple Pay, Google Pay, Samsung Pay Add it from Virtual Credit Card in the allianceonline app.
Card network
Visa Platinum

Where this comes from