Bro, if you want the pen, go buy the ink lah! Even if they give you ink, sooner or later you need to get refills.

This post has been edited by Gen-X: Jan 17 2014, 01:48 AM

Bro, it is tiered base up to 3% cash back, it does not mean you will get RM90 for RM3K spending. What you will get i return is approximately RM50 for RM3K spending. Which is still better than OCBC RM30. Click below link to see the tiers:

http://www.alliancebank.com.my/Personal-Ba...rs#younique-tab

If you are looking for cash back cards for up to RM3K spending/month, click here to my article The Best Cash Back Credit Card Combo and see in particular the last table, Alliance You:nique pretty good for up to RM3K/month.

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hmmm...... can pay your premium online, if yes then get the Public Bank Visa Signature will earn 6% cash back.

Edited - If you pay your RM3K one go, i.e. yearly, you'll only get max RM60 cash back per month with the Public Bank Visa Signature..

This post has been edited by Gen-X: May 16 2014, 11:19 AM

You are freaking right, looks like Alliance has inflated their redemption program 100%

Bro, Alliance Bank inflated the point required to redeem for vouchers sometime back in May - click here to my Facebook posting.

For previous comparison of points back in October 2013, click here to my article Visa Infinite - UOB versus Maybank versus Alliance Bank

Nowadays I hardy use my Alliance Visa Infinite because it will be stupid of me to use it. My Maybank VI rewards me about 100% more compared to my Alliance VI! Luckily my Alliance VI is Free For Life.

I just got my statement today for my Alliance Visa Infinite applied via Priority Banking, RM50 GST billed but no annual fee I hardly use the card, I think over the past 1 year, less than RM1K.

And I have pointed out in my Credit Card Ultimate Showdown 2015 where Alliance VIs are in my Best Top 10 Credit Cards in Malaysia, that ever since Alliance inflated their Timeless Bonus Points Redemption Program, it is not worth while to use it for local transactions. Go check out, the FREE FORE LIFE AmBank VI may even earn you more in returns even thought it gives you 1X REward Points for local spending.

The Alliance Visa Infinite I (the Ultimate Airport Credit Card) is really good for FREE entries to airport lounges worldwide and maybe for overseas spending to earn Enrich Miles.

This post has been edited by Gen-X: Nov 14 2014, 02:08 PM

What! you keeping 500K+ points for what?

If you convert to EM got 3 years.

No idea how long it takes for Alliance to credit the EM, but for Maybank 3 working days usually and UOB can take 1 month and nothing and have to call them again and they credit it the next day (happened twice for me)!

I just called Alliance and we only need the 10K points to redeem RM50 GST. I still have points left over from my Alliance Plat used long ago before there was the Maybankard 2 Cards.

After RM3K spending, you earn 0.3%. So yes, once you go above RM3K, you don't enjoy 3%.

Example you spend RM3,500, the cash back yo get:

First RM1K x 0.50% = RM5
Second RM1K x 1.5% = RM15
Spend RM3K a month you get additional RM1K x 3% = RM30
For balance RM500, you get RM500 x 0.03% = RM1.50

TOTAL cash back for RM3500 spent = RM61.50 (1.835%) And the more you spend above this about, the effective cash back reduces further. In toerh words, the cad is good for up to RM3K spending (unless if you get discount).

Once you are able to comoprehend the above about Tiered Based Cash Back - click here to my article The Best Cash Back Credit Card Combination where I will show you how to optimize cash back returns with increments of RM500.

This post has been edited by Gen-X: Jan 3 2015, 11:02 AM