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Credit Cards Alliance Bank Credit Card, Cash Back Platinum and VI

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ZeneticX
post Apr 7 2025, 12:53 PM

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QUOTE(ZeneticX @ Apr 6 2025, 05:55 PM)
Allianceonline is really not the best online banking out there huh...

logged in just now and noticed like 40k of my tbp is suddenly gone... I hope its just a temporary glitch
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ok now I am getting really concerned.... decided to give a call to CS to check on the missing points

the CS claim the reason was due to me converting a 4k+ purchase (4.7k to be exact) on my virtual cc to instalment plan so this is eligible only for 1x points instead of 8x.... but the thing is the points are already there before I even make the transaction doh.gif

even if this is the reason, the limit for 8x tbp is only for 3k = 24k points, it doesn't make sense for me to lose 40k+ points doh.gif doh.gif

and I have proof from my March statement that I earned 40k+ tbp during that month alone

they say will check and update me within 3 working days

anyone encountered this before?

have to be honest here I haven't had the most pleasant experience with Alliance so far since becoming their customer on Feb... first the balance transfer interest screw up and now this. the CS are good but I just wonder what's going on in the backend....

im actually surprised they are able to pull off the whole virtual credit card thing

This post has been edited by ZeneticX: Apr 7 2025, 01:06 PM
ZeneticX
post Apr 8 2025, 12:03 AM

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QUOTE(thecurious @ Apr 7 2025, 11:57 PM)
Did you pay a large amount using instalment?
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4.7k from Lazada. I converted to 12 months installment. Transaction was made on 26th March.

At this point I have total 61k tbp in my account, earned from my Feb and March statement. My statement is 12th of every month. Currently my tbp only left 22k

The purchase shouldn't affect my tbp at all

Unless there things here I don't fully understand yet
ZeneticX
post Apr 8 2025, 11:43 AM

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QUOTE(jdachum @ Apr 8 2025, 11:00 AM)
Since you only got it since Feb, which means 61k TBP is for the month Feb and March. Assuming you only have 1 card from Alliance, the max TBP you can get from 8x is 96k TBP (48k ewallet + 48k online) in that 2 months.

Do you mind telling us how much and how you paid on that 2 months?
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Feb statement total = RM1604

March statement total = RM6236

I only use this card for ewallet and online spending

user posted image

user posted image

This post has been edited by ZeneticX: Apr 8 2025, 11:43 AM
ZeneticX
post Apr 8 2025, 12:04 PM

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Gave another call to CS to follow up on my case

according to them the points are deducted for the installment beause any conversion to installment will deduct points UPFRONT from your existing points

once statement is released the correct points should be reflected back. This is such a weird mechanism to me and I hope it's true
ZeneticX
post Apr 8 2025, 12:59 PM

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QUOTE(thecurious @ Apr 8 2025, 12:22 PM)
The reason for asking is because instalment is x1 points only.
Perhaps if you convert to instalment then they no longer consider it as an online purchase for x8 points so the points was deducted.
Just a theory.
The points is awarded x1 per instalment so if you convert RM 6000 to 6 months instalment then you will get 1000 points in the first month.
Again just trying to figure it out.
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the initial confusion was why the points are deducted from my existing points for a purchase which was made before the statement release

my idea was the point should only be reflected after the statement release no matter 1x or 8x points

but after clarifying with CS per my reply above it seems they are deducting the points upfront first

QUOTE(jdachum @ Apr 8 2025, 12:41 PM)
Okay, this can make sense.

One thing I like about Alliance CS is they are very responsive.

Just that their TBP calculation not straightforward haha. Before the changes last year Nov, if you exceeded the 3k cap, they will still calculate as 8x, but will deduct the 7x on the excess in the next statement. Right now, it shows in the same statement month.
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they are just very different in doing things compared to my experience with Maybank and PBB.... like balance transfer they will open another acc, MBB and PBB will directly reflect it on the CC acc itself.

this makes me wonder.... what if I dont have enough existing TBP when I convert to installment?

[EDIT] received a call from the CS to explain things further. So if lets say you dont have enough TBP and you convert to installment.... your TBP will show negative blink.gif simple as that but still a weird way to do it for me

This post has been edited by ZeneticX: Apr 8 2025, 02:34 PM
ZeneticX
post Apr 16 2025, 09:35 AM

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QUOTE(hihihehe @ Apr 15 2025, 05:50 PM)
Got my VI card last week but i saw today there is a new addition visa virtual card in my account too. Is it normal?
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the virtual card and visa infinite shares the same limit, but they both have their own cap for earning TBP

so theoratically you can earn max 96k tbp each month (2x RM6K) for the 8x TBP cap

another good thing about the virtual card, you can convert any online spending above RM500 to 12 months 0% installment from the app

This post has been edited by ZeneticX: Apr 16 2025, 09:37 AM
ZeneticX
post Apr 17 2025, 05:06 PM

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QUOTE(TongCN @ Apr 16 2025, 04:40 PM)
Alliance very good on rebate SST +RM1 for you somemore
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If paid in previous statement already can call and ask for rebate? Was not aware of this
ZeneticX
post Apr 18 2025, 06:20 PM

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QUOTE(NooooB @ Apr 17 2025, 09:22 PM)
Hi guys, I have a few questions and hope you can help:
1. Is SPayLater payment considered an eWallet transaction or an online payment?
2. What is the MCC code for SPayLater?
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SPaylater = online payment
ZeneticX
post Apr 18 2025, 09:52 PM

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QUOTE(svchia78 @ Apr 18 2025, 08:21 PM)
To ensure payment to SPayLater gets maximum 8 TBP, reload to ShopeePay first (no "convenience fee" anyways) then use ShopeePay to pay SPayLater.
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I think that's not necessary. Paying with your card directly for SPayLater is already considered online transaction, 8x tbp already and it's seperate from your ewallet RM3k cap

Correct me if I'm wrong though. Just based on my experience from previous credit cards, usually paying BNPL is considered online transaction unless got exclusion clause
ZeneticX
post Apr 18 2025, 10:41 PM

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QUOTE(svchia78 @ Apr 18 2025, 10:37 PM)
8TBP only if designated "Online Shopping" like Lazada, Shopee, Zalora, Amazon, Agoda etc. etc.

The other 8 TBP will be ewallet reload - ShopeePay being one and without "convenience fee".

So, sure way is reload to ShopeePay and then pay to SPayLater.

Problem with these points is banks don't itemise which spending gets what point.
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Have you tested this?

Because so far all my online transactions including bill payments are getting 8x TBP
ZeneticX
post Apr 18 2025, 11:02 PM

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QUOTE(svchia78 @ Apr 18 2025, 10:54 PM)
I am using the reload-to-ShopeePay-then-pay-to-SPayLater very often and the points add-up about there.

Even for bills, I will also use the same method instead of directly to the biller/ merchants.

I can't even finish the RM3,000.00 limit for 8TBP for ewallet reload as I don't reload to other ewallets than ShopeePay.

I will use credit card, cash or bank's duitnow QR function - in that order of preference.
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That means it's unconfirmed information

Maybe someone can confirm if paying using credit card directly to SPayLater is consider online transaction

I use Shopee Pay, Grab, TNG ewallet so I'll max out the RM3k ewallet limit almost every month
ZeneticX
post Apr 19 2025, 12:46 PM

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QUOTE(hihihehe @ Apr 19 2025, 11:51 AM)
The TBP worth the 1% surcharge for reloading tng?
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No choice because toll i using RFID, and some merchants they only have TNG QR

Reload RM100 is only RM1 charge. Not an issue imo

This post has been edited by ZeneticX: Apr 19 2025, 12:47 PM
ZeneticX
post Jun 3 2025, 01:11 PM

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QUOTE(DawnOnYou @ Jun 3 2025, 12:41 PM)
Are the TBP for all cards merged under the same pool for reward claim?

Btw, just curious how people manage to use up to 9k per month for online? Any tip?
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Yes. For my case my Alliance VI and Virtual CC share the same TBP pool

as for - how people manage to use up to 9k per month for online? - it depends on your monthly expenditure? How much do you spend per month?

for my case I try to use ewallet for payments as much as possible, if not then paylater services like spaynow
ZeneticX
post Jul 4 2025, 08:21 PM

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Maybe old timers of VI here have discovered this trick.... but just to wanted share again

Since VI 8x tbp is capped @ 3k for ewallet and 3k for online spending, in case you already fully utilised the 3k limit for ewallet, what you can do is continue pay with shopee pay at merchants as usual, but instead of deducting from your wallet balance you can choose spaylater instead. After that just settle your spaylater with VI, which will count toward the other 3k limit for online spending
ZeneticX
post Jul 8 2025, 01:05 PM

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Same story for my case. I've got cards from Maybank, PBB, Ambank and Affin before. Alliance is the most troublesome one. Tons of verification to do despite sending all the required docs during application. In the end also have to do thumbprint.... luckily my agent was willing to travel to my house for this. The whole application process took like a month to be finally approved.

And this was despite me being a customer with Alliance before... had a personal loan with them that I had already fully settled

This post has been edited by ZeneticX: Jul 8 2025, 01:06 PM
ZeneticX
post Jul 8 2025, 07:07 PM

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QUOTE(ideaplus @ Jul 8 2025, 07:03 PM)
Hi All Sifu, how can you all spend RM3,000 in the online category? Any trick?
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Online or ewallet?

Just make use of shopee pay + spaylater whenever possible

Also depending on your monthly spending habits. If your max budget per month only 2k obviously it's hard to spend 3k

This post has been edited by ZeneticX: Jul 8 2025, 07:08 PM
ZeneticX
post Jul 8 2025, 07:35 PM

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QUOTE(ideaplus @ Jul 8 2025, 07:19 PM)
Online
Is Spaylater considered Online?
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Yes settling the spaylater bill using your cc is considered online

So far all my online transactions including bill payments are considered online and granted 8x TBP. But I am not too sure about TNB payment. Maybe you can try and confirm

This post has been edited by ZeneticX: Jul 8 2025, 07:36 PM
ZeneticX
post Jul 12 2025, 12:04 AM

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I'm very sad and very annoyed at the same time..... just got my VI early this year. Thought can enjoy it for a year at least, who knows major nerfed doh.gif

What would be the best card for airmiles now?

This post has been edited by ZeneticX: Jul 12 2025, 12:05 AM
ZeneticX
post Jul 12 2025, 11:42 AM

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QUOTE(sjz @ Jul 12 2025, 08:31 AM)
best workaround for now:
from 1st Aug
activate VCC in apps and use only VCC continue enjoy 8x points.

until sometimes later they cut the VCC benefits too
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Yeah I have VCC as well luckily. Gonna start utilising that now.

As for VI I'm gonna cancel as soon as I settle my statement next month. Luckily I already utilise the lounge access this year lol

Actually looking at HLB VI as a replacement now. However limited to Enrich (same as Alliance VI), and only dining category (RM1 = 1 pts). Otherwise UOB VI, better lounge access and can redeem KrisFlyer or Asia Miles, but annual fee quite high unless you spend 50k annually

This post has been edited by ZeneticX: Jul 12 2025, 11:44 AM
ZeneticX
post Jul 12 2025, 11:45 AM

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QUOTE(dimgai @ Jul 12 2025, 10:52 AM)
01-10-2020

Alliance Bank revamped its Visa Infinite and Visa Platinum.
Visa Infinite:
x8 TBP on eCommerce (unlimited)
x8 TBP on eWallet transaction  (unlimited)
x5 TBP on Oversea/Groceries
x1 others

Visa Platinum:
x8 TBP on eCommerce (unlimited)
x8 TBP on eWallet transaction (unlimited)
x3 TBP on Oversea
x1 others

Conversion Rate:
6,000 TBP convert to 1,000 Enrich

14-03-2022

Alliance Bank revised eWallet transaction.
Visa Infinite:
x8 TBP on eCommerce (unlimited)
x8 TBP on eWallet transaction  (capped at RM3,000, x1 for RM3,001+)
x5 TBP on Oversea/Groceries/Dining
x1 others

Visa Platinum:
x8 TBP on eCommerce (unlimited)
x8 TBP on eWallet transaction (capped at RM3,000, x1 for RM3,001+)
x3 TBP on Oversea/Groceries/Dining
x1 others

01-10-2022

Alliance Bank revised the TBP conversion rate.
from 6,000 TBP : 1,000 Enrich points to 10,000 TBP to 1,000 Enrich points

15-03-2024

Alliance Bank revised the TBP conversion rate.
from 10,000 TBP : 1,000 Enrich points to 15,000 TBP to 1,000 Enrich points

03-06-2024

Alliance Bank revised the eCommerce cap.
Visa Infinite:
x8 TBP on eCommerce (capped at RM3,000, x1 for RM3,001+)
x8 TBP on eWallet transaction  (capped at RM3,000, x1 for RM3,001+)
x5 TBP on Oversea/Groceries/Dining
x1 others

Visa Platinum:
x8 TBP on eCommerce (capped at RM3,000, x1 for RM3,001+)
x8 TBP on eWallet transaction (capped at RM3,000, x1 for RM3,001+)
x3 TBP on Oversea/Groceries/Dining
x1 others

01-08-2025

Alliance Bank revised the TBP gained
Visa Infinite:
x10 TBP on Oversea
x1 others

Visa Platinum:
x5 TBP on Oversea/Groceries/Dining/Drug store/Petrol
x1 others

Annual fee waiver is removed for Visa Infinite.
================
Started to use Alliance credit cards on August 2023 and I suppose this is the end.

thank you Alliance bank credit card for making my business class dream come true.
*
Wow didn't know it require just 6k tbp for 1k enrich pts last time. Lucky early adopters....

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