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

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.

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.

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

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.

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.

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

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.

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

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

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

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

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

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.

Call CS again and tell them what you mentioned above and they well get someone to call you. And this time take down the name and contact number of the person that called you.

I just published my an article comparing Alliance Visa Infinite versus Maybank Visa Infinite and UOB Visa Infinite where are 3 cards offer 5X reward points for overseas. And in the article you get to see all my Alliance Visa Infinite too. However, I must warn you that the article is freaking long.

Visa Infinite - Alliance vs Maybank vs UOB

This post has been edited by Gen-X: Oct 25 2013, 09:45 AM

The Alliance Bank VI comes with Priority Pass Membership card for Principal cardholder only.

Good question, call them at 0355169898 and ask.

If your partner wants FREE unlimited access to KLIA too, get him/her to apply the ABB Plat too.

Now, if one spends RM5K a month, the Alliance Plat is a very good card, even better than OCBC World MasterCard offering 1.2% cash back.

Click here to my article Effective Cash Back Rate from Credit Cards where I shown that one gets up to 1.723% with Alliance Plat. And from the example in this article, you should be able to work out if the Alliance Bank cash back PLUS reward points are any good to you.

And Click here to my article A Little Bit of This and A Little But of That AGAIN, where you can see that one needs to spend RM100K with the OCBC World MasterCard just to earn the about same equivalent pure cash back (about RM800) from the Alliance Bank Platinum with RM60K/year spending (reward point not included which means you need to spend even less). However, please be warned this article is freaking long so just scroll down until you see the OCBC credit cards image to start reading.

This post has been edited by Gen-X: Dec 17 2013, 11:08 AM

Maybe none of the Alliance Bank Credit Cards will suit your needs but their Debit Cards sure can.

Click here to read my article The Best Cash Back Credit Card Combination 2014 where I did mention that OCBC TMC is a good standby card.

Bro, I guess you referring to my article Privilege Premier Priority. If you look at the date this article was published, yes I got the Cerutti 1881 set for FREE. Today, you got to go check with Alliance Bank if they offering any gift(s) for new sign up.