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

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TheLegend27
post Oct 1 2020, 03:35 PM

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hmm, the platinum and infinite, both 8x also. redemption rate also same? interesting!
TheLegend27
post Oct 2 2020, 09:25 AM

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QUOTE(wjleong15 @ Oct 2 2020, 12:27 AM)
The only difference is the 3 months 0% perk
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3 month 0% is automatic? or need apply?
TheLegend27
post Oct 6 2020, 05:00 PM

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QUOTE(KiNd3rbU3no @ Oct 6 2020, 02:37 PM)
https://www.alliancebank.com.my/Alliance/me...ampaign-TnC.pdf

Anyone trying to get the RM188 cash back ? Seems like e-wallet top up is not eligible ? or consider all spending ?

user posted image
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got ur card already? very fast huh!!?? brows.gif
TheLegend27
post Oct 6 2020, 05:07 PM

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QUOTE(leo_kiatez @ Oct 6 2020, 05:03 PM)
Why you so fast get your card? How so fast?
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u also 潜水 here? very smart huh!?!?
TheLegend27
post Oct 11 2020, 07:49 PM

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QUOTE(-kytz- @ Oct 11 2020, 05:03 PM)
Affin Duo seems similar to Alliance's new Visa Plat/Infinite for online transactions and e-wallet payments but the 8x points from Alliance seems to give much more value (in terms of air miles) than the RM80/month cashback hmm.gif

Please discuss smile.gif
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QUOTE(!@#$%^ @ Oct 11 2020, 06:18 PM)
some ppl prefer cash than points. I know I do.
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example u spend RM41,250 scenario in 1 year,
in affinduo u get RM960 / year
in alliance u get 55000 miles, 50k for ur return airticket to japan / australia. then 5k miles for ur airticket tax reimbursement. take note the airticket cost abt RM2,000


so let's say u use affinduo, and u get to earn RM960 a year, then u go buy airasia ticket RM960 include tax to japan. then i must say u could have take better flight!!! laugh.gif

This post has been edited by TheLegend27: Oct 11 2020, 07:50 PM
TheLegend27
post Oct 12 2020, 11:15 AM

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QUOTE(charlesj @ Oct 12 2020, 10:28 AM)
Misleading comparison.
As affinduo is capped at RM80/month = RM2667 spending a month.
1 year = RM2667 x12 = RM32,000

Spending RM32k on Alliance will get you 42,700 Enrich miles.
Which gives <RM800 with sunway.

I do agree Enrich miles can give us more "value" if we opt to redeem flights.
Unfortunately we can hardly fly during covid plus the uncertainty of MAS, many will opt for Cash in this scenario.
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but affin duo really cap ma. problem is if u ended up travel with airasia using RM960, then really rugi lo. take note that TBP no expiry date. worse case devaluation happen u got grace period to change to EM. then EM have another 3 years since conversion.

also travel to japan just cost u 40,000 miles only. so again argument still valid. haha. refer chart below.

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This post has been edited by TheLegend27: Oct 12 2020, 11:17 AM
TheLegend27
post Oct 13 2020, 10:40 AM

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QUOTE(charlesj @ Oct 13 2020, 10:12 AM)
Spot on! This is the true value for playing air miles.
As I mentioned always (ok, not in this thread), if you are redeeming economy, you rather go collect CB.
The only concern for now is the sustainability for Enrich.
Pray hard for them to overcome it.
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economy also worth more than that le. if u are those saving type and only take airasia for cheap airfare, then it is good to redeem EM economy. it equivalent to the cash u spent on airasia for MAS economy seat.
TheLegend27
post Oct 18 2020, 05:05 PM

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QUOTE(47100 @ Oct 18 2020, 02:16 PM)
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
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the purpose of ths card is ewallet. VI to TnG to Shell = win
TheLegend27
post Oct 22 2020, 01:47 PM

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QUOTE(syling88 @ Oct 22 2020, 01:34 PM)
Mas under liquidation, 8x points might be useless soon.
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QUOTE(Joey_Chin12 @ Oct 22 2020, 01:34 PM)
Omg... i just got my card....
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富贵险中求。
this is the only time can "leverage" ur miles with maximum return during this pandemic.

when time is peace, RM1 might not even land u a mile.
TheLegend27
post Oct 22 2020, 05:08 PM

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QUOTE(hakkai0810 @ Oct 22 2020, 04:55 PM)
ya, seems like alliance use this rule to approve / reject the application. If your existing CL more than 20x of your salary will get rejected. thats what the agent told me previously. But other bank like OCBC, CITI , UOB are approving cc to me  confused.gif
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ic. how many card limit allow? overall? how many times of our salary?
TheLegend27
post Oct 22 2020, 10:14 PM

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QUOTE(syling88 @ Oct 22 2020, 06:35 PM)
The person who called me explained that likely 10x.
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ic. i think i got more than 10x le. all card combine limit sweat.gif
TheLegend27
post Oct 28 2020, 09:21 AM

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QUOTE(gordonchin @ Oct 27 2020, 10:34 PM)
Just received my infinite with 1 supp card yesterday.
Credit limit was only 13k?  sweat.gif Or is it 13k each so total 26k credit limit
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13k. combine limit.
TheLegend27
post Oct 28 2020, 10:45 AM

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QUOTE(gordonchin @ Oct 28 2020, 10:24 AM)
That’s really low. Maybe because I have another PB Card with 20k credit limit?
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previously they mention, should be around 20x of ur income. for all ur credit card limit.
TheLegend27
post Oct 28 2020, 11:03 AM

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QUOTE(gordonchin @ Oct 28 2020, 10:55 AM)
If so then my credit limit should be way more. But it’s alright will write in to request for an increase.

On a side note, the card does look pretty good
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need go much card for? accumulate points for? brows.gif
TheLegend27
post Oct 28 2020, 11:38 AM

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QUOTE(gordonchin @ Oct 28 2020, 11:30 AM)
No lah intend to keep only 1 card in fact. To get miles back on my spending.
Applied this because M2P rejected me
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i can imagine u have 2 supp, plus u 3. just boost alone, RM5k x 3 = RM15,000. u will have 120,000pts equivalent to 20,000 miles. 1 years is 240,000 miles!!!!! family trip already!!!
TheLegend27
post Nov 13 2020, 05:21 PM

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QUOTE(Darren @ Nov 13 2020, 04:45 PM)
https://www.alliancebank.com.my/promotions/...atshot-01112020

anyone applying alliance card under this campaign?
the cashback only apply for visa infinate and visa platinum?

or the principal must be visa infinate and supplementary card visa platinum?
somehow i get confuse with this campaign and the staff who call me oso blur blur.....
totally speechless....

btw, the cashback for principal and supplementary card is require rm800 per card or accumulated rm800 by both card combine?
the cashback requirement oso confusing....
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if principal VI. then supplementary also VI. if spend RM800, got cashback RM188 lo, if u got supp, another RM88 bonus.
TheLegend27
post Nov 14 2020, 09:26 AM

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QUOTE(Darren @ Nov 13 2020, 06:45 PM)
Are u sure about this?
Just now I try call alliance bank contact centre.

The staff told me the I can apply for principal o principal+supp
If I apply principal only, I can get rm188 after spending rm800
If I apply principal + supp, I can get rm188 + rm88 for rm800 spending for each of the card. Mean u need to spend rm1600.

That why I feel so confusing.
What the point I apply supp card to get rm88 cashback for rm800 spending when I can ask my wife to apply principal card for rm188 cashback for same usage.
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ic. possible. but nowadays spending 800 like nothing. topup bigpay 1k can already each card. then withdraw out.
TheLegend27
post Nov 14 2020, 10:45 AM

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QUOTE(Darren @ Nov 14 2020, 10:11 AM)
Yeah. Spending is non an issue
But the cashback different make it doesn’t worth it
Rm88 cashback after minus sst only around rm60
Lolx.
Might as well apply two principal card
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with supp, u can do more thing ma. boost principle and supp, 2 times x 5k a month.
TheLegend27
post Nov 16 2020, 09:40 AM

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QUOTE(cucikaki @ Nov 15 2020, 11:58 PM)
Manage to get sst cashback. Call cs & someone call u back.

Spend 3 times within 7 days to be entitled for the cashback. Same as last year.
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what card is that?
TheLegend27
post Nov 16 2020, 09:41 AM

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QUOTE(Darren @ Nov 14 2020, 06:51 PM)
the only good thing to apply principal + supp is the reward point can combine together.....
but at the moment i aiming more for cashback than reward point.....
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u top up touch n go entitle 8x point plus 1.25% cashback.

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