BVCCDigital business credit cardALLIANCE · MALAYSIA
Alliance Bank Visa Business Virtual Credit Card (BVCC)
Min. annual incomeBusiness assessment
Principal annual feeNot applicable
Card networkVisaConventional card
THE DETAILS
Benefit breakdown
Business cashback option
| Eligible monthly spending tier | Cashback rate |
|---|---|
| RM1–RM10,000 | 0.25% |
| RM10,001–RM100,000 | 0.4% |
| RM100,001–RM200,000 | 0.6% |
| RM200,001–RM300,000 | 1% |
Assessed per nominee card, not total company spending. No cashback on spend above RM300,000 per month. Cashback, lower-rate and points options are not all paid together.
Fees & charges
- Principal annual fee
- Not applicable
- Annual-fee waiver
- No annual fee applicable under the October 2026 PDS.
- Supplementary annual fee
- No annual fee; verify any supplementary account tax separately.
- Service tax
- RM25 per principal / supplementary card annually where issued; annual-fee waiver does not waive this tax.
- Retail finance charge
- 15% / 17% / 18% p.a. according to 12-month prompt-payment history.
- Cash advance rate
- 18% p.a., calculated daily from transaction date until settlement; no interest-free period.
- Cash advance fee
- 5% or RM15 minimum; available cash withdrawal limit up to 75% of approved card limit, subject to ATM restrictions.
- Minimum monthly payment
- Higher of 5% of outstanding balance or RM50, plus contracted monthly instalments including eligible ABC / FPP / IPP / transfer / Fast Cash repayments.
- Late payment charge
- 1% of current balance or RM10, whichever is higher; capped at RM100.
- Foreign exchange
- Visa / Mastercard conversion plus 1% bank foreign-exchange spread, subject to current card-network procedures.
- Retail interest-free period
- 26 days from statement date if all amounts owed are paid fully on time; excludes cash advances and transfers.
- Replacement card
- Not applicable to the virtual card.
Requirements
- Application route
- Fully cash-backed fixed-deposit pledge OR full business documents, subject to bank credit evaluation; full-document route generally requires 3 years in business.
- Company documents
- Registration / statutory documents, authorised signatory identity, 6 months bank statements and requested tax / audited / management accounts.
- Business current account
- Required on card acceptance. Bank standing instruction debits the minimum repayment from the nominated business current account; maintain sufficient funds.
Product features
- Digital business product scope
- BVCC is expressly listed in the 6 October 2026 business PDS / terms. It has no TBP alternative, free lounge access or the physical Visa business 0% FPP benefit. Arrange the digital facility with the bank; no physical card artwork is implied.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.