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

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47100
post Oct 13 2020, 11:33 PM

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hi..the visa infinite card has monthly cap/ceiling for points accumalation?
47100
post Oct 18 2020, 02:16 PM

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QUOTE(Darkmage12 @ Oct 18 2020, 02:15 AM)
Anyone knows this answer? Would like to know.
*
no cap. i got ans from the sa.
anyway, i also realise points not available for petrol. do take note.


d) TBP will not be awarded for petrol (except for Platinum Card) and government agency transactions

This post has been edited by 47100: Oct 18 2020, 02:18 PM
47100
post Oct 18 2020, 02:49 PM

47170
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QUOTE(Darkmage12 @ Oct 18 2020, 02:45 PM)
What is the difference between their platinum card and VI? Can apply both together?
*
VI is definately better. grocer has 5x

https://www.alliancebank.com.my/promotions/...8-Cashback.aspx


47100
post Oct 18 2020, 08:20 PM

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QUOTE(syling88 @ Oct 18 2020, 04:25 PM)
If reload ewallet and pay at major grocer, then it would be 8x, then the 5x would be useless?
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Seems like it, if the grocer accept e wallet ..
47100
post Nov 3 2021, 11:18 PM

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QUOTE(!@#$%^ @ Nov 1 2021, 01:56 PM)
why do u want to cash in and out at the end of the month?
*
just to earn points. pay back using the cashed out to cc
47100
post Nov 13 2021, 10:09 AM

47170
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QUOTE(jimhorn @ May 5 2021, 02:21 PM)
Yeah shouldn't have any problem. I don't think there's a cap for points earned. Only limit is your credit limit
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i asked before this to CS, there is no annual cap on points earned like other bank cc. hence, the theoretical limit will be ur credit limit.

which kinda like unlimited if you pay and reload pay and reload …
anyway high chance it will be flagged as suspicious so be careful on repetitive transactions
47100
post Dec 21 2021, 10:53 AM

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QUOTE(tshuihow @ Dec 21 2021, 10:42 AM)
I receive the activation code for new visa signature card. I didn't apply it  and auto  get it. Is this normal?
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no, definitely you need to consent to a new card application.
47100
post Jan 16 2022, 04:16 PM

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QUOTE(guanteik @ Jan 16 2022, 02:27 PM)
If you're huge spender = go for Infinite because your TBP are unlimited. Plus the feeling of redeeming something be it Enrich or merchandize AT ONE SHOT is gives a greater feeling than just the pathetic cashback monthly.

Not sure about others, or this is just me.
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i Agree
infinite for the timeless bonus, just keep collecting ..
47100
post Feb 16 2022, 10:57 AM

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QUOTE(!@#$%^ @ Feb 16 2022, 10:35 AM)
need to meetup or stg?
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i applied infinite thru the website, someone from the bank called and emailed, i sign the papers scan back to them..
all done without any meetup. approved and got the card by citilink, you need to sign the courier.

This post has been edited by 47100: Feb 16 2022, 10:57 AM
47100
post Feb 18 2022, 01:00 AM

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QUOTE(owj @ Feb 17 2022, 05:49 PM)
For infinite, is there a capping on how much 8x points I can collect per statement? Cant find this info anywhere
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The cap would be your credit limit brows.gif
47100
post Feb 20 2022, 03:07 PM

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too many ppl abusing the x8 on ewallet reload 😂😂😂
47100
post Feb 20 2022, 05:15 PM

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QUOTE(guanteik @ Feb 20 2022, 03:53 PM)
Well, to an extend, the abuse is not the right word because eventually the consumer still have to pay the statement end of the month. EWallet companies have also implemented fraud where customers make frequent withdrawal resulted in permanent banning, therefore your statement can’t be true.

A lot of the businesses are already moving to eWallet. Even some e-commerce are accepting both eWallet payment and conventional credit card payments, the preference still on the eWallet. E.g. free shipping with Shopee eWallet as compared to using CC payment direct.

The ground about this Alliance CC is on the eWallet reloads, and online payments. While the whole country has moved to the new form of payment, these banks aren’t. I’d prefer they increase the eligibility of this card application, or even increase the AF to filter out genuine and qualified spenders while maintaining their initial benefits offered instead of cutting the largest chuck of benefits used by most consumers.

Note: I’m an extreme heavy user of eWallets therefore my comment in this post is solely my opinion!
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yes I agree abuse is a strong word but I don’t think you will disagree there are certain group of people really whack this TBP to the max. some people can transfer within family or friend and withdraw it out. or paid it out.

In any angle , the bank will not benefit. It is abuse to bank if we just deposit and withdraw. bank have to “pay” the TBP to consumer. surely they will remove or reduce the benefit if they see no healthy ROI since the card launching..

we already saw this in other banks, so in future I won’t be surprise they go down to cap at rm1000. some bank totally remove the points when reloading into e-wallet. Probably alliance will do the same in future too. then we can decide to cut to stay. is market driven decision anyway.



47100
post Feb 20 2022, 05:20 PM

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QUOTE(LuckyBai @ Feb 20 2022, 03:13 PM)
But it sounded like credit used to topup ewallet the people no need to pay back to the bank or the bank cannot offer their users for other bank portlios like BT or Instalment ... That doesn't make sense..

Anyhow, the bank should just admit that they cannot get the data they wanted such as the spending patterns, categories ..

So is the bank finding themselves disconnecting with their users or the bank is now officially not establishing connections on the ground with their users of this change??
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u are probably right, the team designing this card probably on a hot stone because they can’t hit what they plan, therefore “optimising” this card feature ..
47100
post Feb 25 2022, 11:16 AM

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QUOTE(darien99 @ Feb 25 2022, 11:13 AM)
Guise, alliance use which courier service to send cc? Or just snail mail?
*
citilink for me, KL area. you will need to sign off
47100
post Mar 7 2022, 11:17 AM

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QUOTE(Gatsby IT @ Mar 7 2022, 11:12 AM)
True frequent withrawal can raise suspicion , I am now thinking bigpay 1k per month per card(each family member) 😂 since the money can practically stay inside and only transfer out every 10months or move to my IBKR invesment account directly .

Btw u have idea for supplementary card , they share the same first 3k 8x point threshold ? If I sub card to my mum we both share the first 3k or each first 3k hmmm .
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do note same card to reload into diff e-wallet account will raise red flag too.
however I have no clue on the threshold limit. the CS dont tell.

47100
post Mar 21 2022, 10:00 AM

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QUOTE(Hoshiyuu @ Mar 21 2022, 09:27 AM)
Not sure if this is useful information to anybody, but CS told me payment to TNB via MyTNB is considered governmental and would be not eligible for 8x TBP.
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Ya. good reminder. biggrin.gif
can use e-wallet to pay TNB.
eg, TnG or boost.
47100
post Apr 15 2022, 09:01 AM

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QUOTE(jimhorn @ Apr 13 2022, 11:59 AM)
Good to hear that man. Hopefully they will automatically credit back the missing points for those who didn't get it after the new changes
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just checking my latest statement dated 12/4 for VI

i made a reload:

user posted image


and i got rewards below:

user posted image


does this mean have wait next round statement?
Tried to call CS but officer tell me credit dept line full queue sweat.gif sweat.gif

This post has been edited by 47100: Apr 15 2022, 09:01 AM
47100
post May 12 2022, 03:50 PM

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anyone got unauthorised transaction for apple?

APPLE.COM/BILL ITUNES.COM IRL
MYR 19.90

i did not tie the CC to the apple ID but somehow it got charged. i immediately called Cs blocked the card.
47100
post Jun 11 2022, 02:05 PM

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QUOTE(guanteik @ Jun 11 2022, 08:14 AM)
Stupid question, does everyone have the same statement date as me which falls on the 12th every month? Or it’s like some other banks where statement date can be several in a month?
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same on the 12th..
47100
post Jul 14 2022, 04:46 PM

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QUOTE(guanteik @ Jul 14 2022, 01:10 PM)
For the first time, until today my statement is not ready for viewing. Statement date every 12th of the month.

Anyone the same?
*
same statement can’t be download yet

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