To clarify, your salary and bonus also credited into Alliance Bank and they still reject your application?

Damn that's really strict.

I am their Premier Banking customer also took me 1.5 month to finally got approved after got requested many documents

Yes

alliancebank banker told me to submit BE, my salary is lower than 5k per month but my BE is above 60k(because of bonus), 1 time aprroved

I thought a consistent income would be an advantage in applying for CC, and moreover, this consistent salary is credited into their bank account.
Obviously, it is not, or just an individual case, perhaps

start with virtual card may be? i was rejected once but virtual card approved. then i went on for other physcial cards.

hmm, sounds like a plan. Thanks for the tip! How long after you applued for the virtual card then you went on to apply for the physical card?

Virtual card also rejected
But I managed to get the cards (AVS & AVI) from one reliable agent, just need to add the virtual card to maximise the TBP as can

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.

it was quick for me. probanly a month or so.
but add cards need fill up form at branch. both additional physical cards were swiftly approved too.

what's the benefits of Alliance's premier customers ?

Yes I agree on this. They even made me travel all the way to the branch for verification.

somewhat true, especially on the application part, but the limit i've gotten is one of the highest so far, compared to PBB, MBB, CIMB, Affin, UOB, even HSBC. The only card that gives higher limit than Alliance, is SC.

This post has been edited by eternity4av: Jul 8 2025, 11:03 AM

Luckily they didn’t ask me to do that, just sent the card to me.

Good for you. The limit given to me is lesser than one month of my salary. I was told here even to ask for CL increase is also troublesome, so I just live with the little limit.

Then it's good for you, because for me, they requested me to be present to be in their branch and worst still need me to type on their computer for verification.

I got mine in 2022, maybe it wasn’t required that time.

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

Hi All Sifu, how can you all spend RM3,000 in the online category? Any trick?

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

Online
Is Spaylater considered Online?