Sorry if this had been asked before. If using VI with Samsung Pay at a dining place, is it considered online, dining or contactless transaction?

First time using Alliance here... applied for balance transfer from my Maybank AMEX to my new Alliance VI. How come it creates a seperate account just for the bt? I thought it should go directly to my cc account?

PBB will give waiver when you call in and ask nicely. If you frequent user of the card usually will waive without condition

Sometimes they will ask for min spend as well

Anybody used Alliance VI + Alipay in China before? Is it considered ewallet / ecommerce (8x) or oversea spending (5x) ?

What about topping up to Wise?

This post has been edited by ZeneticX: Feb 23 2025, 11:39 PM

I forgot

In that case can only consider VI + Alipay or top up to TnG (10% fee) and just use TnG

I'm more inclined towards Alipay option but just not sure is considered 8x or 5x

If 5x then i might stomach the 1% fee for TnG to get 8x

This post has been edited by ZeneticX: Feb 24 2025, 06:38 PM

Someone was being told the same thing by agent if you check back previous replies

Only way to find out is someone with supp card to test

Putting this out again...

Anyone can confirm if paying for dining / groceries using Samsung Pay or Google Pay is considered 5x or 1x points?

Thanks! Finally can keep the card in wallet without worrying about points

I'm new to Alliance, just got my VI last month but so far I've been less than impressed with the CS... it's an issue with my balance transfer. The call support is mostly ok, its just the incident management team that I'm less satisfied with....

So I've applied for a RM1k balance transfer for 6 months with 0% interest. When I got my application approved I saw that there's an interest of RM60+ being charged


(Dont worry about the acc number this is already cancelled)

So I gave a call to CS thinking this should be straightforward fix, just reverse the interest... how hard can it be? But in the end it took like 3 weeks to finally resolved the issue and they created a new balance transfer account for me

But even this account also have its own issues Firstly they didn't include the first month payment that I've already made (the RM166.67 shown above). No big deal gave a call and after 2 days they included the amount. And now after receiving my statement.... the statement is showing the full remainder amount which seems like I'm paying for a 1 month balance transfer instead of 6.





Gave a call to CS again just now and the agent told me this is normal for the promotional 6 month 0% interest BT.... just pay the minimum amount or more than that will do. I honestly find it hard to believe the agent after what I been through and I'm new to Alliance.... this doesn't seem like normal for BT

Is what the agent told me correct?

How do I check? Need call CS again?

Because I only applied for normal 6% BT that is eligible for 0% interest. Didn't spot anywhere mentioned 'reducing balance'

just called again today and another agent confirmed i just need to pay at least the minimum amount until the last statement

Did a sales agent contact you? They should reach out to you via whatsapp or email asking to fill in the application form and provide additional docs

This post has been edited by ZeneticX: Mar 24 2025, 07:50 PM

You mentioned last Saturday as in 22nd March or 15th? If 15th then probably a bit long already.... can email ringgitplus to follow up

Wanted to check regarding the Virtual Card convert to Flexipay option. Is this available for any transaction over a certain amount.... or is it limited to certain merchants only?

Wanted to do an online purchase on Samsung store but not sure if its eligible to convert to flexipay

yes but shouldnt take too long. you will see another account for the BT appearing on your Alliance online.

Make sure to check that no extra interest is being charged if you're taking the 6 months 0% promo.... they messed up mine

most people make use of Alliance TBP to claim for airmiles

if you want cashback there's better choices out there afaik

also every statement max is RM6K (3k ewallet + 3k online spending), so max 48k TBP per month.

I applied directly via my credit card agent by submitting the forms

Not sure why Alliance don't have online sign up like Maybank or PBB

The 6 months 0% is a special promo i think that's why its not listed together with the usual BT plans

Allianceonline is really not the best online banking out there huh...

logged in just now and noticed like 40k of my tbp is suddenly gone... I hope its just a temporary glitch