The is pretty fast for the credited amount. Mine nearly one month (got the fraud transaction 2 days later right after my previous statement came out, now latest statement pun generated ald), 5 fraud transactions, 3 of them posted, all in USD. On and off received sms from Alliance saying still need 14 working days to investigate bla bla bla. And this 14 days thingy sms, i received 4 times🤷‍♂️

Few days for me. Less than a week time. Alliance use Citilink for their cc courier service.

Nope, i have Alliance saving account, I have Alliance cc, I also have Alliance housing loan.

The point is, transactions on Alliance cc takes longer than usual time like other bank cc does to appear in your online account.

Sometimes when my transaction made on Monday, Thursday or Friday only can see those transactions appear. 🤷‍♂️

You get the higher points. Btw, it is 5x ya, not 8x.

Received this notification also. i am holding their VI currently. But I just ignored it. Just go to check my eccris but there is no any cc new application.

Walau, i didnt activate the virtual card leh! Kinda “force” us to own it ah😂?

Anyway, i am a frequent ewallet user, should fully utilize this another RM 3k x 8 timeless point ah?

And, just now checked my eccris, only to know that i “owned” this virtual card since April🤷‍♂️. As there is another “0” appeal in my eccris record for the month of April for this Virtual card😏.

Good question😅. 1st of all, mine appeared in eccris on April, but i didnt notice it. But one thing i found out is, i cant really use the virtual card yet, as i didnt “Activate” it, although occasionally Alliancebank sms will come in and asked me to activate my virtual card which i didnt till date.

I shall received my E-statement within this 1~2 days, lets see my statement include this new virtual card or not.

2nd thing, yes if you activated the virtual card, you gotta pay the SST RM25, just no annual fee.

One thing stop me from activating the virtual card is, i don really found i need the card🤣. I got the VI, and got few more cc from others banks, in fact, i am trying to reduce number of cards in hand, just that suddenly this virtual card come out.

However, one thing that catch my eye, one of the feature of this virtual card is “Scan and Pay at any merchant via Duitnow’. So well, direct transaction from cc to merchant without going through Ewallet? That is interesting. It that any other virtual card user can confirm this ah😅?

Oh wow! That is great to hear from you that you tried the card feature that direct scan duitnow and pay merchant!👍

And yup, pls do update here after you got your latest card statement generated alright?

This duitnow scan-and-pay, basically all done under internet connection, maybe it would be categorized as “online” trasaction?😅

If it does, then we can hv lots of 8x transactions apart from the limited RM 3k limit from ewallet topup.

TBP will be updated in your monthly statement. My statement date fall on 24th, so i got the latest accumulative TBP every 24th of the month.

Finally i activated my VCC. Ok, last few days, scanned 2 merchants with the QR feature, fail and this message pop out:



However, today tried at another merchant, voila can.

So ya seems like it depends on the merchant side whether they can accept VCC payment or not.

Anyway, i really like the unique feature whereby we can create virtually unlimited new cc card number for transaction. This is great as we no need to expose our “real” card number.

This is a feature of this VCC? I do not read it at Alliance page🤣.

Or some sort like “limited time offer”? 😌

Anyway, good to know it is an option. Although dont need this feature right now, it surely provide good help in the future when purchase big stuff, but need to spread the payment over 12 months la.

Ya can pay your statement without converting the transaction into monthly installment. Just pay as usual as you always do. The installment is just an option.

Anyway, just a small update, not only the transactions that i reloaded into ewallet eligible for 12 months 0% installment. Even my Lazada trasaction also eligible for 0% installment.

I donnoe maybe it has a threshold to trigger the option. As all my eligible transactions are > RM 500.

Since this vcc is so new in the market, and maybe there is yet people opt for the 0% installment, and eventually settled it earlier than the scheduled timeframe. Sorry mate cant help as i am not into this 0% instalment also.

A phone call to Alliance cs might help. 😉

I just activated my VCC early of this month. So far reloaded to TnG and Bigpay no issue. Shopee and Lazada also no issue.

All the above said transactions, using the one time created card number.

Flawlessly experience i would say. I kinda like this VCC😉.

Edited: topup TnG using the VI as well. No problem.

This post has been edited by leootan: Jun 16 2023, 03:42 PM

Yes it is.

VI virtual card? Just curious how are you going to use that VI to enter airport lounge ah? I thought Alliance only introduce virtual card for their platinum card.

Just wonder, if you intend to maximize the benefit of ewallet top up, aka 3k x 2, then what is the diff you get the virtual card as your intention is only for the ewallet?

Summore, virtual card number generator is so good neh! I will only key in cc number in Shopee or lazada with the one time use VCC number.

Nope. Still separate 3k ewallet.

Take this example as reference. Basically you are holding 2 cards. So, you are paying SST x 2. Then, you shall get separate benefit from 2 cards. Same case apply to cashback cc, example like you are holding mbb VS and m2c, will you ever wonder you only get cashback from the VS?

This post has been edited by leootan: Jul 18 2023, 06:51 PM

Sharing limit due to they are both conventional cc like many others cc out there doing. Mbb, pbb, affin for examples, currently i am holding these banks cc so i took them as reference. All sharing same limit pool as i only applied their conventional cards.

Increasing cc limit is another story.