While i wont be applying because the points dont seem attractive compared to affin duo, the fact that visa infinite can be applied at only 60k pa and the design of the card really looks awesome makes it real tempting. Of course rm188 is still the main attraction

You can talk to SA, provide payslip instead?

Or you screenshot bank statement hide other info, only show salary row. Lol

I didnt apply but usually supp card limit shares with principal, even if you assign a specific limit during application. Suspect you didnt do that.

Alliance being very conservative 13k limit. Salary to apply 5k, so less than 3 times. Haha

This is abit old but you should know the tnc of credit card usage.

While maybe alliancr IPP works differently, the problem is that banks always say to pay off the statement balance. If you dont, they can charge interest that are super high.

Hi all. Certain banks like cimb and hong leong charges this DCC. I forgot the full name. Dynamic Currency conversion?

Basically if the platform is overseas, like agoda, but paying in local currency, RM in our case, cimb and HL will charge +1% on the final amount. Does alliance charge this?

I did a quick search on their website, seems like no.

I applied via bank directly also. You can live chat the bank. They gave me offset rm25 with condition to spend rm50 3 times within 30 days. I am sure you probably can get the same offer. I only requested for it 3 weeks after using the card.

I have done this for prudential, it is consider online if you pay manually. i supposed it should apply to other companies.

occasionally i do pay manually if i remember... it is usually deducted auto since auto debit already setup.

This post has been edited by adele123: May 13 2024, 11:22 AM

anyone has past experience of such new T&C? since it's by statement cycle, since my statement date is 12th every month, i suppose that means i cannot spend more than 3k in my current statement already? the effective date is 3rd June, it's already too late for me to "capitalise" on this...

This post has been edited by adele123: May 13 2024, 11:26 AM

I think the better question would be for dining / grocery counts as x5 or not.

Cause contactless is x1 under alliance VI

You can just pay utilities directly online to get the x8 because it counts as online.

I use that to pay TNB directly. I assume others like unifi, time, maxis is the same. The execptions are usually the government agencies...

Wait. I miscommunicated in my previous post. My question is when paying with google pay and actual card contactless, is it the same?

Ie in a restaurant / grocery place

This post has been edited by adele123: Nov 30 2024, 04:26 PM

Check the older post. Someone has reported that VI and virtual card will have separate quota for the 3k wallet reload.

So, looks like per cc basis. I have not tried it myself.

This post has been edited by adele123: Dec 1 2024, 08:17 AM

general rule of thumb, fpx via credit card has no benefits whatsoever across all banks. if you can even fpx with credit card.

for credit card usage in shopee, just pay like normal online purchase, dont need to go this roundabout way of using fpx.

If activate VCC, is it same statement cycle as AVI. Assuming AVI still active

What card? When is your transaction date? How many points you got?

Btw, anyone cancelled their VI and maintain their VCC?

There is no impact on the VCC or past points earned right? The previously earned points are still applicable?

This post has been edited by adele123: Nov 10 2025, 06:59 PM