How to Apply to Alliance Bank Visa Platinum Credit Card

Do you look for a credit card that rewards you with points for every purchase? Then you can consider getting Alliance Bank Visa Platinum Credit Card.

Por: vinicius em dezembro 5, 2023

The Alliance Bank Visa Platinum Credit Card is a top-tier credit card that offers generous reward points, travel privileges, dining discounts, and other benefits for cardholders. With bonus categories covering everyday spending like online shopping, dining, travel, and more, this card makes it easy to maximize your rewards potential. Read on to see why the Alliance Bank Visa Platinum Card should be your next credit card.

Benefits

The Alliance Bank Visa Platinum Credit Card comes packed with benefits that appeal to lifestyle spenders:

Earn up to 8x Timeless Bonus Points (TBP) per RM1 for online purchases and eWallet top ups
3x TBP per RM1 for overseas transactions and dining
1x TBP per RM1 for contactless payments, entertainment, auto billing, and other transactions
TBPs earned do not expire – redeem your points whenever you want
Access to Plaza Premium Lounges with 6 complimentary visits per year
1% unlimited cash back on all overseas spends
Travel insurance coverage
Exclusive privileges at hotels, dining outlets, and entertainment
Auto-billing and contactless transaction rebates
Visa payWave contactless payments
Low foreign currency conversion fees

With so many rewards earning opportunities and travel perks, this card offers great value to users.

Prerequisites

To apply for the Alliance Bank Visa Platinum Credit Card, you must meet the following requirements:

Minimum age of 21 years
Minimum annual income of RM24,000
Have a good credit history

About Alliance Bank

Alliance Bank is a leading financial services provider in Malaysia with over 50 years of banking experience. They have an extensive network of branches nationwide and offer digital banking services like Alliance Online and their mobile app.

Who is this card for?

The Alliance Bank Visa Platinum Credit Card is ideal for a few types of cardholders:

Online shoppers: with the high 8x TBP earn rate for online spending and eWallet top ups, this card caters to those who frequently shop on e-commerce sites and apps. The points earned can offset your online purchases.
Diners and travelers: if you dine out often or travel frequently, you’ll benefit from the card’s 3x overseas and dining earn rates. The airport lounge access also appeals to travelers spending on flights and hotels.
Rewards optimizers: the card’s uncapped TBP earning on multiple categories makes it easy to rack up points for redemptions. You can save up TBPs without expiry to redeem bigger rewards.
Visa users: given it’s a Visa card, users who prefer Visa’s benefits like security, global acceptance, and tap-and-go convenience would find it useful.
Alliance Bank customers: existing Alliance Bank users can consolidate accounts and enjoy added rewards and perks with this card.

Step by Step to Apply

You can apply for the Alliance Bank Visa Platinum Credit Card through these simple steps:

Go to the Alliance Bank website and click on Credit Cards
Select the Visa Platinum card and click ‘Apply Now’. This will take you to the application page.
Click on the ‘Apply Online’ button and you will be prompted to login or register for an Alliance Online account.
Complete the online application form with your personal details, income documents, and e-signatures.
Upload the required documents like NRIC, salary slips, etc.
Accept the T&Cs electronically to complete application.

PRESS HERE TO APPLY TO ALLIANCE BANK VISA PLATINUM CREDIT CARD

Positives and Negatives

Pros:

Generous rewards rates of up to 8x TBP
Airport lounge access
Travel insurance and overseas cash back
No expiry of earned TBPs
Visa benefits like security and global acceptance

Cons:

High minimum income requirement of RM24,000
Annual fee of RM120 after first year waiver
Late payment fees if balance not paid in full
Interest charges on cash advances

While the rewards potential is great, be sure to manage the card properly by paying bills on time and avoiding heavy interest-accruing transactions to maximize the benefits.

How to Unlock the Card

Once you have been approved and received your new Alliance Bank Visa Platinum Card, you will need to activate and unlock it for use. Follow these steps:

Locate the sticker on the front of your new credit card. This will show a unique activation code.
Call the Alliance Bank Activation Hotline at +603 5516 9988.
Provide the agent with your full name, IC number, and activation code when prompted.
Set your credit card PIN number when asked by the agent. Choose a secure 6-digit PIN.
The agent will then activate and unlock your card for immediate use.
You can start using the card at ATMs and merchants by entering your PIN.

Alternatively, you can activate via Alliance Bank’s mobile app:

Login to the Alliance Bank mobile app and go to Credit Card Services.
Select Card Activation and enter your card details when prompted.
Set your 6-digit mobile PIN to complete activation and unlock your card instantly.

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