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

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coolguy99
post Oct 10 2024, 03:49 PM

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QUOTE(mmls @ Oct 10 2024, 09:13 AM)
Anyone automatically get virtual credit card on your account, I didn't apply it but it just appear at my statement from no where.
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I got it too. I just ignore it as long as I’m not being charged for it.
coolguy99
post Nov 10 2024, 08:23 AM

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Does kiplepay give you 8x tbp on the visa infinite?
coolguy99
post Nov 19 2024, 05:09 PM

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QUOTE(lsl640 @ Nov 18 2024, 03:27 PM)
not sure if i spend on groceries using samsung pay, do i get 5x or just 1x pts as contactless shopping
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Should be 5x as it will follow the MCC code. Pls check your statement and report back if it is indeed the case.
coolguy99
post Nov 19 2024, 05:09 PM

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QUOTE(lsl640 @ Nov 18 2024, 03:27 PM)
not sure if i spend on groceries using samsung pay, do i get 5x or just 1x pts as contactless shopping
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Should be 5x as it will follow the MCC code. Pls check your statement and report back if it is indeed the case.
coolguy99
post Nov 29 2024, 08:21 AM

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QUOTE(KinniHan @ Nov 28 2024, 08:33 PM)
Is shopee wallet consider e-wallet topup? Or have to make purchase instead of topup to earn 8x point?
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Topping up shopee wallet will get you 8x TBP already.
coolguy99
post Dec 5 2024, 10:51 AM

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QUOTE(kimi0148 @ Dec 5 2024, 09:37 AM)
what's the fastest way to apply their cc? App or web?
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I did it via their app last time.
coolguy99
post Jan 8 2025, 08:21 AM

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QUOTE(nekkidgramma @ Jan 6 2025, 06:23 PM)
Can anyone verify if Signature Visa also support ewallet? Planning this one as daily driver
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Yes Alliance credit card gives reward for ewallet transactions.
coolguy99
post Jan 22 2025, 04:46 PM

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QUOTE(fuzzy @ Jan 22 2025, 04:07 PM)
Can I topup VI to e-wallet then pay into PTPTN, and withdraw from there?
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I think that is what people has been doing with Shopeepay.
coolguy99
post Feb 21 2025, 01:05 PM

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QUOTE(kevyeoh @ Feb 21 2025, 09:52 AM)
guys.... so weird one....the service tax waiver...how come some ppl kena spend RM50 3x within 30 days but some ppl terus can get waiver by calling in without the need to spend RM50 x 3.....
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Maybe different SA different handling? I was told to spend RM50 x 3 it’s not a big deal anyway.
coolguy99
post Feb 24 2025, 02:44 PM

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QUOTE(Lego Warfare @ Feb 24 2025, 12:34 PM)
Anyone knows if the VI 8x e-commerce/ewallet & 5x groceries/dining TBP cap at RM3k is allocated per card member? Or total whole account?
If i have 3 other supps do they each get their own RM3k TBP monthly cap?
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You can get another card i.e. the virtual card to get separate cap.
coolguy99
post Mar 11 2025, 08:54 AM

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QUOTE(LostAndFound @ Mar 11 2025, 08:19 AM)
Hi, new to Alliance (just got the virtual card due to the RM700 promo).

Seems like the card doesn't actually have a fixed number? I only see can generate one-time use or generate regular debit payment button.

Also, the TBP earned - what's the redemption method? From searching this thread it seems most efficient is exchange for voucher (roughly 480 points to RM1)?
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Actually this feature is good especially when you do a lot of online shopping across different website. With online fraud pretty rampant nowadays, I use this whenever I have to make purchase on websites I don’t normally make purchases on a frequent basis.
coolguy99
post Apr 10 2025, 01:16 PM

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QUOTE(mamamia @ Apr 10 2025, 12:52 PM)
anyone receive sms from Alliance bank that ur visa card may be compromised? but, when check with them, no unauthorise transactions, is it their system data leakage?
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Scam? No I did not receive such SMS.
coolguy99
post Apr 15 2025, 11:08 PM

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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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Yes it’s normal. I got mine too despite never asking for it.
coolguy99
post Apr 16 2025, 05:34 PM

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QUOTE(hihihehe @ Apr 15 2025, 11:18 PM)
Do you cancel it? Any service tax incurred?
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I called to waive the service tax. Activated the card due to some promotion back then. And found out that the card is actually quite nice to use especially when you shop online a lot.
coolguy99
post Jul 8 2025, 08:55 AM

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QUOTE(fruitie @ Jul 7 2025, 05:00 PM)
Alliance Bank is the most difficult bank that I have dealt with for a credit card application. You can search my posts in this thread if you're interested in learning about my struggles. That was back in 2022. Although I eventually got it, the process was the worst of the worst and had the lowest limit among all my other cards from other banks.
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Yes I agree on this. They even made me travel all the way to the branch for verification.
coolguy99
post Jul 12 2025, 07:58 AM

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QUOTE(ZeneticX @ Jul 12 2025, 12:04 AM)
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?
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Nevermind just saw the revision for Ambank Enrich too.

This post has been edited by coolguy99: Jul 12 2025, 08:02 AM
coolguy99
post Jul 14 2025, 09:06 AM

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QUOTE(sjz @ Jul 14 2025, 09:04 AM)
seems that no auto waiver of AF anymore,
after being charged AF, call CS ask to waive.

DO NOT perform any transaction after being charged AF, call CS ask to waive.
If they refuse to waive, request to cancel card & waive AF.

same story,
sometimes their retention team will call back offer AF waiver.
importantly, don't perform any transaction after AF charged
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Wonder if we still have TBP, can we still redeem the TBP and not pay the AF?

Maybe its better to redeem all TBP since the card is nerfed to the ground anyway and I do not see myself using the card anymore.
coolguy99
post Jul 28 2025, 09:35 AM

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Is it advisable to keep my TBP until the next 20% bonus enrich conversion campaign?

I missed the boat this time around and thinking if there is a need to rush to convert. Assuming that the annual fee can still be waived, think we can still keep this card?
coolguy99
post Aug 2 2025, 05:10 PM

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QUOTE(ZeneticX @ Aug 1 2025, 02:38 PM)
Done removed my VI from all my ewallets

Generated 3 seperate VCC for Shopee, Grab and TnG. Actually quite a nice feature, starting to see the appeal
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Yes I like to use it especially for online shopping. Feels a lot more secure.
coolguy99
post Aug 23 2025, 08:49 AM

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QUOTE(LYNshop @ Aug 23 2025, 12:08 AM)
Just found out vcc appeared in the app. Does it actually come with vi?
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Yes it comes with the VI but you have the option to not activate it though.

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