Primary Reward TypeReward Points
Highest Multiplier10x
Min Annual IncomeRM60,000
Annual FeeRM438
Support
Review
The Alliance Visa Infinite is a premium travel card offering 10x TBP on overseas purchases and unlimited Plaza Premium Lounge access (with RM120,000 annual spend). Best suited for frequent travelers.
Pros
- 10x TBP on overseas spend (no cap mentioned)
- Unlimited lounge access with RM120k annual spend
- Points do not expire (3-year bonus points)
Cons
- High annual fee of RM438
- No supplementary card available
- High income requirement of RM60,000
Rewards Points
Base Points
Category
Multiplier
Cap
Overseas Spend
10x
Uncapped
Travel
3x
Uncapped
Other Retail
1x
Uncapped
* Maximum points earned is subject to bank terms and conditions.
Points Conversion
FFP Program
Miles
Points Required
Best CPM
AirAsiaAirasia Rewards
5,000
30,000
RM 0.60
Malaysia AirlinesEnrich Loyalty Programme
5,000
75,000
RM 1.50
* Best CPM based on highest earn rate. Lower is better.
Card benefits
✈️
Plaza Premium Lounge Access
2x access first year, unlimited with RM120,000 annual spend
Condition: Minimum annual retail spend of RM120,000 for unlimited access
✈️
Travel Club Lounge Access
1x access first year, unlimited with RM120,000 annual spend
Condition: Minimum annual retail spend of RM120,000 for unlimited access
Details
Product Details
Card Name
Alliance Visa Infinite Credit Card
Issue Bank
Alliance Bank
Network
Visa
Annual Fee
RM 438
Eligibility
Minimum Annual Income
RM 60,000
Minimum Age
(Principal) 21 Years Old
Max Age
No limit
Rates & Fees
Annual Fee
RM 438
Fee Waiver
Annual fee waived for the first year
Interest Rate
Tier 1 – 15% p.a. – Cardmembers who promptly settle their minimum payment due for 12 consecutive months.
Tier 2 – 17% p.a. – Cardmembers who promptly settle their minimum payment amount due for 10 months or more in a 12 consecutive months.
Tier 3 – 18% p.a. – Cardmembers who do not fall within the above categories.
Interest Free Period
20 Days
Late Payment Charge
A minimum of RM10 or 1% of the total principal outstanding balance, whichever is higher, up to a maximum of RM100.
Cash Advance Fee
1.25% of the Cash Advance amount or a minimum of RM3, whichever is higher, per transaction.
You can withdraw up to 80% of your card credit limit as a cash advance, however, subject to:
(i) the daily withdrawal limit at any ATM of Alliance Bank or any other bank or institution with which Alliance Bank has an arrangement for the use of the ATM of the said bank or institution for cash withdrawal; and
(ii) the cash withdrawal at any one time not causing the aggregate outstanding balance of the cardholder’s obligation to Alliance Bank to exceed the cardholder’s prescribed credit limit.
Overseas Transaction Conversion Fee
Transactions made in foreign currency shall be converted to Ringgit Malaysia at the conversion rate and charges as determined by Mastercard or Visa and shall be inclusive of 1% foreign exchange conversion spread (except for Visa Basic) by Alliance Bank.