MBB 2 card plat, conversion is 14K to 1K enrich (under treat points for normal visa/master/amex). The difference compared to all Allliance credit card is only 1K.

MBB 2 card plat, the only benefit that sticks out is the weekend x5 Amex and cash back capped at rm 50.

Also no points for JomPay, FPX, eWallet.

No Plaza Premium Access also.

Assuming you take Alliance VI, it's still a win from point collection, acceptance and PPL available,

Ya, I applied in Jan followed up in early March. Then only got to know my application rejected cause I have missed payments for a loan. Ironically, UOB accepted my application and gave me higher limit than my previous card.

After i told the CS no one contacted me etc..., the branch that I applied in and the credit card center in Penang called up, they offered me solutions (like pledge FD, the FD rate higher than normal, which was like quite surprising), i appreciate the effort but after considering it, is super costly cause got 0.5% stamp duty and if you need higher limit, need to re-apply.

So yeah, my suggestion, 1 month after application, you don't hear anything, you can drop their CS a line. They quite efficient.

hellloooo... want to check if anyone encountered this.

I have no prior banking relationship with Alliance. No defaults on loans or credit cards; all paid on time.

I meet all the criteria for applying for AVI but got rejected, which is a bit puzzling to me. Has anyone encountered this situation before? If yes, will having a bank account with Alliance Bank make it easier for the credit card application to be approved?

To clarify, your salary and bonus also credited into Alliance Bank and they still reject your application?

Damn that's really strict.

hmm, sounds like a plan. Thanks for the tip! How long after you applued for the virtual card then you went on to apply for the physical card?