It is tier-based. Any spending after 3k will drop to 0.3%.

RM59 is correct. If RM18 might as well cut it.

I only know the card info, but cant spend like you..lol..

This card is not for people who spend more than 3k, it's not worth it ... you should stop at 3k ... if you really really spend so much ... then better use 1)SCB 1.5k 2)this allieance 3k 3) I think one OCBC card got unlimited spending no cap at 1% but i not sure you need go check ... but i'm using HLB Essentials ... i think 0.6% for first 5k and after that 1% or something ...

you all are pro...    

honestly alliance bank will not became good cb card.you see the tier of cb% .
they are more in chinese tradional business man.
only for card usage rm3k montlhly are fit this card.

Make sure u spend min RM2k per month to get the cashback

lol. but still cb for rm50 if u pandai play.
is just ur card usage ikan bilis.
may b u are not fit this cb card.

some of user .

pay house ultiliy , family insurance,petrol dah 3k

*Real Cash Earnings will only be credited upon meeting the minimum threshold of RM20 and capped at a maximum of RM50 calculated on a monthly basis.

max rm50 cb only for hlb fortune card.

Let me show you another scenario with more cards.
2667 (Affin)+600 (PBB QM)+634 (PBB VS)+2500 (SCB JOP)  = RM208 cash back per month = RM2496 cash back per year
RM6000 (Alliance) spending a month = 96000 milleage per year = return ticket to London cost RM7000 or one way business ticket to London cost RM13500.

Now cannot fly.. maybe you can gather the point for 2 years and get the return BUSINESS ticket for free. 2 years gain RM27000 vs RM5000 cash back.. that's still your prefer choice..

it should included the online utilities paid. need to test it out. if u pay utilities using grabpay that reload using this card.. u will entitle the 8X point.

Sdyney is around 25000 (economy) and 60000 (business) for one way, need to go MAS website to check the exact point.
spend around RM20000 to get 25000 point...

How you get so much tnb to pay for?

if principal VI. then supplementary also VI. if spend RM800, got cashback RM188 lo, if u got supp, another RM88 bonus.

ic. possible. but nowadays spending 800 like nothing. topup bigpay 1k can already each card. then withdraw out.

with supp, u can do more thing ma. boost principle and supp, 2 times x 5k a month.

u top up touch n go entitle 8x point plus 1.25% cashback.

There's not much information on the Alliance bank website.

When i checked on ringgitplus website, it seems like there's no point or cashback for e-wallet top up.

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

And the tier cash back is confusing as well. If I spend RM3000 on the card, do I get back

1. RM3000 x 5% = RM150 cash back

or

2. RM1000 x 0.05% + RM1000 x 0.5% + RM1000 x 5% =RM 50.55 cash back?

I think it would be #2 cause #1 would be really good cash back for anyone that is spending between RM2000 to RM3000 on Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends, but needs to keep track of the spending in these categories to avoid going above RM3000 where cashback is reduced to 0.25%

The Monthly capped in each tier is marked as "Uncapped" which also confusing.



I'm eyeing on the Visa Infinite Card which gives 8 points for each RM on e-wallet topup capped at RM3000. Pretty good deal. Looking for physical sign-up booth but there's not much booth for Alliance Bank 

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

Statement date. Usually two days after that.

cashback consider as payment too