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Alliance Bank Visa Signature Credit Card

Author
by MujizUpdated 1/19/2026
Alliance Bank Visa Signature Credit Card
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Primary Reward TypeCashback
Highest Rate5%
Effective Rate1.85%
Cashback CapRM55.5
Min Annual IncomeRM48,000
Annual FeeRM148
Support
Apple Pay
Google Pay
Samsung Pay
Alliance BankVisa

Review

A High-Yield Cashback Powerhouse for Everyday Essentials

The Alliance Bank Visa Signature Credit Card is a standout choice for those who prioritize direct savings over complex reward points. It offers a generous 5% cashback on a wide range of retail spends, covering almost every major lifestyle category: online shopping, groceries, dining, petrol, and even utilities. This makes it one of the few cards on the market that rewards you for paying monthly bills, making it an ideal "all-in-one" card for household management.

Accessibility is a key advantage of this card, with a minimum annual income requirement of only RM48,000 (approximately RM4,000 per month). It is also fully compatible with Google Pay and Samsung Pay, allowing users to earn high cashback effortlessly via mobile contactless payments. For high spenders, the card offers an added travel bonus of 2x complimentary airport rides (worth RM80 each) upon reaching a RM120,000 annual spend milestone.

Beyond financial perks, Alliance Bank has integrated sustainability and inclusivity into the card's physical design. It is crafted from 100% recycled PVC to reduce plastic waste and features a unique "Blind Notch"—a small tactile cut-out that helps visually impaired users identify and orient the card correctly at terminals and ATMs. This thoughtful design sets a new standard for inclusive banking in Malaysia.

Verdict: This card is a must-have for cashback seekers. Its ability to earn 5% back on utilities and digital wallets makes it exceptionally versatile for the average Malaysian consumer, provided you stay within the monthly cashback caps.

Pros

  • Broad cashback categories including utilities
  • Digital wallet friendly (Google Pay/Samsung Pay)
  • Inclusive design with tactile notch
  • Low RM48k income requirement

Cons

  • Monthly cashback is subject to caps
  • High annual spend requirement for airport rides
  • No complimentary airport lounge access

Cashback

Base Cashback
Category
Cashback
Cap
Total Retail Spend
0.05%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.
Spend RM1000+
Category
Cashback
Cap
Total Retail Spend
0.5%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.
Spend RM2000+
Category
Cashback
Cap
Total Retail Spend
5%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.
Spend RM3000+
Category
Cashback
Cap
Total Retail Spend
0.25%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.

Card benefits

No specific benefits listed.

Details

Product Details

Card Name
Alliance Bank Visa Signature Credit Card
Issue Bank
Alliance Bank
Network
Visa
Annual Fee
RM 148

Eligibility

Minimum Annual Income
RM 48,000
Minimum Age
(Principal) 21 Years Old
Max Age
No limit

Rates & Fees

Annual Fee
RM 148
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.