I don't find any thread specialized for Alliance Bank Credit Card so i decide to open up a humble talk for the cash back Plat and the Visa Infinite card here:


1. Visa Infinite


•5x Timeless Bonus Points on overseas retail spend
•Annual Loyalty Rewards on cumulative spend
•Lifetime Annual Fee Waiver with minimum spend of RM30,000 within a 12-month period
•Complimentary Priority Pass membership card access to lounges worldwide
•Air Miles redemption via Enrich Rewards Program and AirAsia BIG

2. Cash Back Platinum


•Up to 2.0% cash back* on anything, anywhere, anytime.
•Enjoy 0% interest immediately on all your spending for the first 3 months.
•Automatic annual fee waiver i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period.
•Timeless Bonus Points that do not expire. 2x Timeless Bonus Points on overseas spend.
•Air Miles via Enrich Rewards Program with Malaysia Airlines.
•Unlimited complimentary access to KLIA Plaza Premium Lounge.•Up to 2.0% cash back* on anything, anywhere, anytime.
•Enjoy 0% interest immediately on all your spending for the first 3 months.
•Automatic annual fee waiver i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period.
•Timeless Bonus Points that do not expire. 2x Timeless Bonus Points on overseas spend.
•Air Miles via Enrich Rewards Program with Malaysia Airlines.
•Unlimited complimentary access to KLIA Plaza Premium Lounge.

They might not the best offer card in the market but neither not a bad one. I usually get about cash back of RM68.xx on the Plat card for spending RM5000 on everything monthly.

Any card holders here?

* stands for the tiering:
0.60% for RM 0 – 500
0.70% for RM 501 – 1,350
0.90% for RM 1,351 – 2,550
2.00% for RM 2,551 – 5,000

The Alliance Visa Infinite is pretty good, it offers 5X Points for overseas and Unlimited Entries to airport lounge. And best of all, the annual income requirement of RM150K/year is amongst the lowest for a credit card offering Priority Pass Membership Card which grants the cardholder unlimited entries to airport lounge worldwide.

However, regulars here will remember that zenquix did mentioned that Alliance Visa overseas admin fee is higher than their MasterCard and I did confirm it some time back.

And I do have the Alliance Plat Visa which is pretty good because it earns me Points and Cash Back. For my case where I charge my monthly insurance premiums to it including some other expenses, I usually get more than 1.5% in return.

Edited

Want to see comparison of benefits between Alliance Visa Infinite versus Maybank and UOB? Click here to my freaking long article Visa Infinite - Alliance vs Maybank vs UOB.

To find out more on Alliance Visa Infinite overseas conversion fee - click here to my article The Best Credit Card for Overseas Transactions 2014.

This post has been edited by Gen-X: Jan 3 2014, 10:23 AM

Does alliance bank visa infinite gives normal points as well?

And what's their annual loyalty rewards?

Thinking of applying for one....


Am using cash back platinum for 3yrs now, it was my first cc, n stumbled upon gen-x blog. Thanks to gen-x who talked abt the cashback after a few replies from him, I realized I was not given the cash back for many months, called up alliance bank n open a case they finally credited abt rm300.

It's a great card to hav when monthly spending is above 5k.

This post has been edited by shirllin: Aug 20 2012, 12:52 PM

VI gives double rewards points for local spending but no real cash back. the rewards require substantial spending - i remember they told me it's around 100k. have to double check.

plus:

airline lounge acccess
timeless points
free for life when you spend 20k the first year which is super easy to achieve
free sub card

minus:

no cash-back

i have not done the maths yet but it seems that for spending of around 5k the plat beats the VI unless you really want the lounge access. i only have use for it like 4,5 times a year and the wife maybe 6 times so we're still thinking of "upgrading".

Glad to know you got your cash back credited.

The Alliance Platinum is a great card to have if you spend just below RM5K. Above RM5K, one only earns reward points with the Alliance Plat and no further cash back.

For local spending of RM5K, sure Alliance Plat better over the VI. The Alliance Visa Infinite is good if you want a card that grants you unlimited access to airport lounge.

And Bro, how come you mentioned Annual Fee Free For Life if spend RM20K on the first year? 2nd year onward no need to spend anything? Also, Alliance stated RM30K spending to qualify for annual fee waiver.

on the site, it mentioned
Lifetime Annual Fee Waiver with minimum spend of
RM30,000 within a 12-month period

or do you think it is, annual fee waiver with 30k 12month period spending??

The added word of "Lifetime" makes a huge difference.

This post has been edited by whyee: Aug 22 2012, 07:55 PM

Most banks state the same thing, i.e. Lifetime waiver but with conditions. And the joke is, the condition can change if the bank(s) so desire.

This Visa VI is good for frequent flyer.

While the Plat card is good for normal spending beside retails(OCBC Ti and Amex2 give better rebate on retail spending). I use this for my monthly insurance premium and some auto debit payment.

sorry about the 20k it's apparently 30k spending requirement for the first 12 months to get a perpetual waiver of the fees. i got the details from alliance bank when they called me so i might have remembered wrongly.

the annual bonus is a spending discount of some sort and no cash-back. its a measly 500 RM for spending of 100k p.a.

what might be worth considering is having both the plat and the VI (once the annual fee is waived). for overseas spending 5x bonus points is absolutely worth it and you get lounge access for just 60 / 30 RM p.a. they might even offset the goverment tax with points so the access could be free.

one *could* even roll over spending above 5k to the VI since the airline miles conversion is pretty attactive (3000 RM spending gives you 1000 enrich miles). i am not good and remembering to swap cards when required though.

i shall check with my banker if they want to give both cards or will only entertain an upgrade.

Bro, I also use my Plat for insurance and at outlets where AMEX is not welcome.

By the way, I see you still using the Dell Vostro Signature (can't remember what we call this thingy) I designed for Vostro Thread few years ago. Your Vostro still functioning?

From what I understand, first year annual fee is free. Second year and subsequent years depends on past 12 months amount spent. But if what you said about spending just one RM20K or RM30K to get perpetual annual fee waiver, that's a first and it's great.

If you have Alliance Privilege Banking Account, the card is FREE, that's what I was told.

This post has been edited by Gen-X: Aug 23 2012, 12:00 PM

Yes you are right, i am using this card for purchase whereby beside retail/dining or amex is not accepted... as OCBC TI serve better on dining/retail spending... but firmly will control not to above RM5000 swipe/month

I also owned a business plat card whereby earned only a very tiny 0.2% cash rebate for any swipe below rm10k/month...

Good thing about alliance cc are, they reward points never expire.

out of topic: Yeah, i have changed a new vostro beforebut it was stolen last week... now using back the old vostro 1500! am thinking to swipe AMEX to buy a new vostro again...

Any news abt having both cards or they only give upgrade to visa infinite? I wanna keep the plat and also get the VI.....3000 to 1000 enrich is definitely a plus.....

No reason why you cannot have 2 or more cards from the same bank. At one time I have 5 credit cards from Maybank, now I have 3. As for my UOB, I had 4 credit cards from them, 1 Plat which I have been holding for a decade and 3 issued from Privilege Banking.

from what CS told me you get a perpetual waiver if you spend 30k or more within the first 12 months. and yes, VI is free anyway for privelege banking customers. i guess i will give it a shot and see if it's worth my while to add another into the wallet. i am not a fan of too many cards.

anyone tried applying for the infinite card yet? just tried last friday, fingers crossed.. :-)

This post has been edited by hafiz_control: Aug 27 2012, 09:36 PM

so quite, any new promo/update lately from alliance card?

they are not big on promos. it's mainly cash-back and lounge for VI.

but i just did a larger ikea purchase. turns out alliance offers IPP for ikea purchases of 6/12 mths for spening above 1k and apparently up to 36 (!) mths above 2k. that's a decent discount esp. if you consider the cash back and points you get on top. thumbs up for that

hemm so if my spending is below 5k , shld it be better if i use this card for insurance/place nt accepting amex compare to scb business card?

If you're looking for cash rebates around 5k, Alliance Bank platinum gives out RM68.75 and points (5k points = RM25) which gives you roughly RM93.75 in value.

SCB gives you 0.5%, which is RM25.

There's an old card from Hong Leong bank, called Essential, which gives you 1% on all spending except for petrol. This is RM50 cash back for RM5,000 spending.

Conclusion, Alliance Bank platinum tops this category.

For up to RM5K spending, Alliance Plat is good because the minimum cash back starts at 0.5% and goes up to 2% as compared to SCB Biz Plat of 0.5% cash back and both cards earns the card holder points too.

One can still apply for the HLB Essential card.

Just for clarification, the StanChart Business Gold & Platinum Business credit cards earns the card holder 0.5% cash back and if include points, it will be in the range of 0.8%-0.85%. Click here to read my review of the Standard Chartered Bank Business Credit Card. Please note current offer for SCB Biz Plat is 15% cash back for Petrol (T&C apply), Smart Tag and FREE Cash too.

Alliance Bank Premier Debit Card 2% flat cash back up to RM9K tops Alliance Plat Credit Card.

How much is below RM5K? If less than RM2K/month, the OCBC Titanium may be even better if you combine it with your petrol, dining, telco and utility bill.

Click here to read my article Earn Pocket Money With Credit Cards where I have indicated the returns one can earn with various spending pattern.

I spent 5 minutes to read all the posts here. Very contributing thanks.

hemm it depends usually ard 1k-2k...

i had already maximize my ocbc for tnb n astro bills . where mbb2 i had mostly used up for weekend spending n unifi...
so since nw scb biz going to remove the 0.5% cash back mayb i will consider alliance..

going with Alliance do seem to be the better option wuth SCB suka suka changing the rules midway.

i have just redeemed something with the points, delivered to my doorstep within 2 weeks!

I'm a frequent flyer between melbourne and KL. May i know how much enrich points required to exchange for a return flight ticket?(approximate will do)
Am holding platinum cc

Click here to read my article Malaysia Airlines Enrich Miles 50% Sale - Great for My Maybank Visa Infinite Treats Points where I have posted images of the Enrich Points required for all Malaysia Airline destinations with or without sale.

And as for Melbourne, it will still cost you RM1140 (approximately depending on exchange rate if you fly from Melbourne) for taxes.

recent change of policy for younique rebates card. No more timeless bonus point

This post has been edited by hebe87: Mar 31 2013, 05:41 PM


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Is the Rebates from younique rebates card tier-based ?
Or does it mean if we spend RM3k, we get RM90 (3% cashback) ?

tier based.
For total 3k spent, get rm50

Is this better than the existing tier?

The You:nique credit card has launched a "simple" FB game here.

Weekly winners get a iPad (retina display), iPod or iPad Mini. The game is a "Pair Up the Cards" (Memory game) with a twist. After 3 pairs of guesses, the cards are randomized. Its impossible to win

Anyway, I'm ranked 22 as of yesterday.

This post has been edited by alfee29: May 2 2013, 03:38 PM


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Hi , I would like to know whether its confirmed that the VI will be given as complimentary card if I open a priviledge banking account with 200k?

And also can I request for a platinum card to be included with the VI?

thanks

Not Sure Now...becoz The Central Bank Recently has prohibited the offering of pre-approved personal financing products, such as unsolicited pre-approved credit cards... I think now You also Need to Provide the Income Proof to the bank as Reference, Although They Given Out the Complimentary Credit Card...
Anyway, You can Check with Alliance...

Read more: Tighter loan conditions - General - New Straits Times http://www.nst.com.my/nation/general/tight...0#ixzz2YpsdwCEo

This post has been edited by fly126: Jul 12 2013, 09:56 PM

Thanks for your reply fly126.

Even if I provide income proof, I dont think I can get the VI as my income is below 150k p.a, Platinum most probably

would like to get the unlimited airport access

Their Platinum Card's Benefits also quite Good as Below:
•0% Finance Charge for first 3 months
•Up to 2.0% cash back* on retail spend
•2x Timeless Bonus Points on overseas spend
•Annual fee waiver for every year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within
a 12-month period
•Exclusive privileges and discounts at participating merchants
•Instalment Payment Plan at 0% p.a. interest rate at participating merchants
•Unlimited Complimentary Access to KLIA Plaza Premium Lounge
•Customer Service Hotline Assistance
•No lost card liability upon reporting
•Worldwide recognition and acceptance
& Most Important: You can Get It with min. Annual Income of RM 60,000 Only ..

More on Platinum Card: http://www.alliancebank.com.my/Personal-Ba...tinum-Card.aspx


This post has been edited by fly126: Jul 13 2013, 02:23 AM

only for KLIA PPL not quite good ,

better get a card that gives access to all the PPL, at least those in malaysia, if include overseas better.

A CS called and told me there is a rebate upon signing - RM180.

Update further once i got it.

yeah pls keep us update

the card got 3% rebate...how it work?

was referring to platinum...2% for spending above rm2550

ooo....

useless....amex anytime can 2.5%

not when it is not.accepted...and seems like they are increasing the TP rate soon.

yeah their TP increased soon

2% after 2.5k, not heavy user very hard to reach le

agree...the main pro is low spending for annual fee waiver...2% rebate upon 2550 per month...unlimited entry to lounge at klia...

my main usage will still be amex for weekend and 5x tp...this card will be for heavy purchase and oversea transactions.

This post has been edited by bearbear: Jul 30 2013, 05:26 PM

I am not able to open the T&C.

The calculation of the 2% rebate, is it unlimited? the 2% is inclusive of the first RM2550?

add: found the answer. it is tier based

This post has been edited by Human Nature: Jul 30 2013, 05:37 PM

from my understanding not inclusive...2% starts from rm2551-5000. no rebate after passing the rm5k mark.

yeah, would be awesome is the 2% is inclusive

tier basis? hmm boring....

maybe for those pay insurance etc can earn la

i using wise card for petrol n dining 10%

zzz

yup you have WISE & OCBC Tita that give better rebate...i am looking at this only because i am moving soon. Don't think there is any category for tiles / Ikea / etc for WISE.

Alliance CC rebate always tier-based... Marketing scam

any suggestion for cashback other than the usual WISE/OCBC Tita/M2 AMEX?

AEON WATAMI (3%, max RM150 per quarter basis)

This post has been edited by ronnie: Jul 31 2013, 12:15 AM

This card is good for any insu premium and retail purchase besides utilities/petrol/grocery. The evergreen bonus point is timeless. As for the cashback, it's on tier basic, eg, i got a cashback $65.05 for spending of $4754.58, and the bonus point still accumulating.

nice to hear...something is better than nothing.

CS told me it has been pre-approved now evaluating my documents. Will update on the cash back promo once i get the card.

@raul - any chance your insurance is under AIA/ING?My policy originally under ING (Now AIA) has the 12 months installment thingy on my parent's HLB card. Thinking to take out and pay via Alliance Platinum for cashback.

This post has been edited by bearbear: Aug 2 2013, 02:58 PM

i pay my monthly prudential ILP premium via this card ever since... for my yearly GE premium,i use OCBC GE card.
Tipsy: Spend wisely and better control under RM5K/motnh for this card.... and any petrol transaction doesn't come with the bonus point.

Thanks for the reply - how do you make payment for insurance with this card?online banking or as standing instruction to your insurance company?

of course by SI.
Your AIA insu best pay via Public AIA gold card as for 2% rebate.

That's only 1.37% Cash back
That's quite a higher insurance you pay every month...or is that yearly ?
If it's yearly premium, you should consider AEON WATAMI which offers 3% Cash Back

This post has been edited by ronnie: Aug 2 2013, 10:26 PM

My Monthly ILP at rm1xxx only, however i have some frequet retail purchase every month using this card.
The yearly GE i am using OCBC GE card for 3%.

Yes my next move plan to apply the WATAMI card for the 3% max cap rm150/quarter.

they are slow...sent in document for almost a week now only call asking about details

No

any VI users here? need some oversea charge data points to compare to new mbb rates

Finally rcv my CB plat, the approval rly take time

Was informed 100% CB on my 1st swipe, of course capped at RM180.

congrats!
is wondering is alliance visa/master the only card offer evergreen bonus points in the market since maybankcard treatpoints valid for 3 years only lately.

just read alliance website on the rebate, darn only RM200k available since July.

Oversea charges:
ABMB VI: about 3.61% (dated 26/7/13)
MBB2 Amex: about 3.13% (dated 26/8/13)

MBB2 Amex is more worth it since there are 5% cash rebates during weekend + 5x TP

that's a crappy exchange rate for the VI

Based on my previous Alliance Visa Plat, Alliance Visa overseas rate are kind of high. My wife has Alliance MC Plat and I noticed that her conversion rate lower than my Visa.

The good thing about Alliance VI is - it rewards 2X for local spending and only need to spend RM30K for auto annual fee waiver.

Edited**

I just called Alliance and the CS told me that Alliance Privilege Banking VI perpetual annual fee waiver, no minimum spending Trying to upgrade to it..... CS will email me the form, hopefully they don't ask me for proof of income later.

This post has been edited by Gen-X: Sep 10 2013, 10:18 AM

yeah i had the visa as well. already cancelled it. too bad the VI shares the same bad exchange rates.

citibank points are also evergreen.

Assuming everyone spends Rm180... that's around 1,110+ applications......

anyways my first swipe is just RM10.....

bro gen-x . i small fry .. cannot qualify for privilege banking

Bro, you really humble, if you really want the Alliance Bank VI, we (the regulars) know you got no problems getting it

alliance CC so bored, can't they offer some special campaign?

haha, almost all the major credit cards now offering some kind of cash back promo (with T&C and cash back not guaranteed) but not Alliance Bank. But you know what Bro, unlike other credit cards, most of Alliance Banks credit cards entitles you to guaranteed Cash Back everyday which is credited monthly (for the VI annually with minimum spending) PLUS unlimited points. So you can say Alliance Bank got guaranteed cash back Promo throughout the year

I must say I was surprised with Alliance efficient CS Dept - I emailed my CC application form in the morning and before 5pm I received a call from their processing department to verify if I made the application. She told me they will perform credit check the next day and then get back to me if required. My application was in process the same day I sent it in Now keeping fingers cross that they don't request for my proof of income... if yes, habis. FYI, I did not submit any documents except the forms.... they don't really need my info anyway since they can access their system to check my accounts and personal info.

This post has been edited by Gen-X: Sep 11 2013, 08:50 PM

Hi All,
My 1st ever post on LYN..
Had bad exp with 1st & only CC (EON) until it expired in 2009. When started working abroad (2mths on/ 1mth off) in 2011, I was only using Debit cards i.e. MBB, CIMB & BIG. Read & learned from such forums, Gen-X blogs (mostly) I gave in.
Got my Alliance VI in Feb2013, pushed by desire of Priority Card sigh. Thought 1 is enough but seems I do need atleast either Amex/MC to compliment the VI.
1. Any suggestion?
2. Would Alliance use/ share my current CL if I apply for their Plat MC?

Thanks

Welcome to LYN Bro.

Glad to know some of my articles played a part in brainwashing you into getting another credit card And you made the right choice getting the Alliance Bank VI since it offers unlimited entries to airport lounge vs MBB VI's 5 times.

Now, if you have been reading my blog you will know that I always recommend Maybankard 2 Cards AMEX and OCBC Titanium MasterCard for local spending. The MBB 2 Cards is FREE For Life and as such no need to waste time calling in for annual fee waiver. And if you see the most popular thread on a specific credit card, you will note it is the Maybankard 2 Cards Thread (started by yours truly). Only thing about AMEX card is that is subjected to fraud because their security measures are like none. So if you can receive sms alert when you overseas, then the MBB 2 AMEX is good. Moreover it comes in pairs, so get the MC and you will have Visa, AMEX and MasterCard whenever you are By the way, check out my facebook account and go read about my supp AMEX was used for online fraud cases. And also check out this thread on Fraud Calls Reported by LYN members.

This post has been edited by Gen-X: Sep 11 2013, 11:20 PM

Thanks bro Gen-X,
Yes, I read abt these MBB 2 Cards & OCBC Ti MC. Even 'sharing' it with friends. Will try to apply MBB 2 once back home. Just need the application to be fast approved (or rejected) as my days off limited to 4wks only. Unless I had a stop-over in KL and head to 1U MBB, I guessed. Thanks again for the links - Plenty of free time to read here

MBB 1U will be closed for reno from 17/9 onwards, reopen 26/10

Bro MBB 1U or Maybankard Centre? There is a difference.

Card center, sorry i thought they are the same

Is there a Maybank Bank Branch in 1 Utama ?

haha, I don't know. Just wanted to seek clarification on it.

Anyway, Vyper COYS, to get the MBB 2 Cards immediately (with relevant documents) you can go to The Gardens Maybankard Centre (near Robinsons) or KLCC Maybankard Centre which I got no idea where it is located.

Ok now there're options, cool. Should be back by end of Oct I'll locate the most convenient Mall then. Thanks all

considering the thread, all the above is really OOT

how true is the alliance bank driving joy campaign where u can get rm250 worth petrol by spending rm80.
http://www.alliancebank.com.my/DrivingJoy

It's a chance to win lah not guaranteed

No, there is only MBB card center in 1u.

But there has a Maybank branch in IBM plaza. C floor (beside of 1u)

of coz i know la..anyone got the daily prize here onot?

the odds of wining
the odds of the winner is reading this thread
the odds they reply

is dem slim...
just saying

haha true..im also just asking..no harm asking anyway its free

want to ask, how is alliance bank gold visa? is it any good? what are the special benefits?

i see that it was written something about enrich or air asia big points, how does it work?

and now they have the promotion 1st retail spending has 100% rebate? anyone managed to claim that rebate?

check their website

www.alliancebank.com.my

think gold has less rebate. i could be wrong.

for enrich and air asia big points, you convert using the pts u earn (6000TBP = 1000 Enrich)

rebate is automatic (will see in statement) but single transaction only and has a cap depending on card type, so not necessarily 100%.