First 1k spend, 0.05% = RM0. 50
Between 1k and 2k, 0.5% = RM5. 00
Between 2k and 3k, 5% = RM 50.00
Above 3k = 0.25% cap RM2. 50

Spend 3k and receive 55.50RM CB lower CB compared to affin duo visa. However, AMBM VS has more categories.

Another CC to apply

i assume both also no cab, so if usage can up to tier4 , visa signature more worth it for both card VS ...
but if compare Affin duo, both also not worth

However if affin duo quota finish then use this to hit Tier4 will be Win-Win 

Any idea whether will receive cash back if top up big pay using the new visa signature?

Enjoy up to 5% Cashback When You Spend with Alliance Bank Visa Signature Credit Card. [ More Info | PDS ]

depends


if my calculations are correct (not an Alliance cardholder anyway  )



spending RM1k or below, no significant gain.

spending >RM1-2k, You:nique is better

spending between >RM3-4k, the new VS is better
optimum spending vs cb: RM3k with VS
my 2cent view only la

I couldnt find the tnc for Alliance Visa signature.
How does the 5% cashback work?

Rm3k * 5% = rm150?

For the Younique credit card, is payment for MBPJ assessment tax (via MBPJ - ePay) entitled for cashback?

Yeah I did read the PDS earlier and saw that "Cashback will not be awarded for Government Agency transactions".

Just wanted to confirm if this is newly imposed, as earlier this year in March 2021, I did get the cashback for it.

Would have called CS to confirm but am overseas at the moment.

Thanks anyways.

mind to share the max cash back for this visa signature? thk

Even you spend 3000 per month, the CB is only 55.5 which is around 1.85%. Pathetic.

just got a card mail to me VISA SIGNATURE MASS MARKET
what is the card feature? I currently using unique card and suddenly they mail this card to me ask me activate
so both card same same feature?

i try check their website got not much info

this is what i check lo..
just keep saying 5%
dont tell me i no limit no cap
use 10k then get RM500
which i think they need to list our very clearly
i check ringgit plus as well
it say use RM3k get RM50
not sure got apa apa exclusion or not

https://ringgitplus.com/en/blog/cash-back-c...tail-spend.html

My first statement just came in, spent around RM5.5k, Cashback around RM62, seems like no capping above 3k, even if the rate is outright negligible.

hey folks that holds the visa signature card

want to check if you guys get cash back from the online spending category on ewallet top ups?

checked on their product page didnt mention any cap but ringgit plus did said its uncapped with the monthly spending maintain at 2.5k to 3k to be eligible for the 5%

[attachmentid=11124669]

so I am wondering whats the highest cash back you guys manage to get per month

for reference:

https://www.alliancebank.com.my/cards/perso...ature-card.aspx

https://ringgitplus.com/en/credit-card/Alli...Alliance%20Bank

theoretical calculation

Visa signature is much better than younique for ewallet top up.
RM3k top up i get RM55 cashback for VS, RM42 for younique

Anyone here mine to share your experience with alliance bank? I applied for visa signature credit card lately via their app. I submitted IC and EPF statement as per request by app.

Submitted everything then this is what they reply me.

"Jst updated in system, for employment checking is failed yea
There are 2 ways for us to proceed for you,
- arrange u walk in to nearest branch with green-lane to complete the biometrics
- arrange a video conferencing via google meet to share screen with me ur epf statements & ic"

Upon checking with the staff why employment check fail, this is what she told me:

- comment from credit department is the company not listed and process not completed by me so I am not sure why they said so

Kind of ridiculous, I do own public bank visa signature and hsbc visa signature, HSBC visa signature, Standard chartered, Citibank, Affin bank, Ambank where the first two income requirement even higher than their visa signature card.

Yet this is my first time got nonsense reply "company not listed". The company information was provided and even available online. The second option she suggest also nonsense where those documents I already submitted and yet she ask to share screen.

Sound like she suspecting my epf statement and ic is fake. Or either she suspecting I am not a real person by asking me to do biometric. My credit score everything they can extract from BNM and yet she ask for something so nonsense.  If she ask for payslip then it seem more make sense but she not even ask for that.

Based on my personal experience, seem like the staff are not professional in collecting and processing info. The app is like a joke after I submit through app then they ask me go for manual submission or video conference. I guess better apply via website like ringgitplus or comparehero instead of direct via their apk

Really first time I receive a feedback from bank that "Company not listed". Kind of speechless

Thanks for sharing. I find it nonsense for this bank to ask customer to deposit FD just to get a credit card. Some more cannot withdraw as long as the card is active.

I personally think better to opt for other bank if they make such a nonsense request. Again this alliance never stop surprise me with all kind of ridiculous request by multiple different people from the forum.

Anyway thanks again for the sharing

I bet to differ. So far my experience with other bank like hsbc, public bank, standard chartered, Citibank, Aeon credit (already cancelled), ambank, affin never once they ask for pledging fd collateral.

Some of them even have higher income requirement than alliance bank card. N I can said benefit wise majority of them is better than alliance based on my personal experience.

If just applying for a simple credit card also ask for fd as collateral and cannot withdraw some more then what is the purpose of having that particular credit card.

Accessibility, customer service and even application hassle is much worst than the peer at least compare to the above bank that I have experience with.

Just my 2 cent I think it overall cannot compete and make it worst they make the application process complicated. If no improvement done, perhaps the market share with get even smaller