Alliance Bank Visa Infinite Business Credit Card

Min. annual incomeBusiness assessment

Principal annual feeRM100 / nominee

Card networkVisaConventional card

View with bank ↗← All ALLIANCE cards

Google PaySupported

Up to 9 Plaza Premium + 9 Travel Club visits / yearPlaza Premium Lounge / Travel Club

BEFORE YOU FLY

Airport lounge access

Business-card programme

Up to 9 Plaza Premium + 9 Travel Club visits / year

Plaza Premium Lounge / Travel Club

Spend & visit rules: Monthly quota 0 / 1 / 2 / 3 at statement tiers up to RM10k / RM100k / RM200k / above RM200k. Qualification and caps are per eligible card, not company-wide.
Who can enter: Authorised eligible business cardholder / nominee; do not apply personal-card principal-only quotas.; Free guests are not implied. Unqualified or over-cap use costs USD30 per Plaza Premium entry or RM131 per Travel Club entry under the disclosure.
Where it works: Participating business-programme outlets only; the linked personal PPG list must not be assumed to define business eligibility.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 Check with issuer Check with issuer
KLIA T2 Check with issuer Check with issuer
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Eligible physical business card; no required membership app stated

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	Check with issuer	Check with issuer
KLIA T2	Check with issuer	Check with issuer

Entry steps & validity

Present eligible physical card, boarding pass and identity document; verify the business card programme with the lounge / bank. Unused monthly quota may roll within the calendar year, subject to the annual cap.

Current business terms checked 3 November 2026. Personal Infinite / Privilege changes from 15 November are a separate announcement.

Official business eligibility & quotas Travel Club participating lounges & rules

Check your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Benefit breakdown

Business cashback option

Business cashback option
Eligible monthly spending tier	Cashback rate
RM1–RM10,000	0.25%
RM10,001–RM100,000	0.5%
RM100,001–RM200,000	0.8%
RM200,001–RM300,000	1.5%

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.

Alternative TBP option

Alternative TBP option
Eligible retail	TBP per RM1
Overseas retail	2
Local retail	1

Alternative to cashback. Petrol and government-agency spending do not earn TBP; transfers, cash, fees and reversals are excluded.

Monthly lounge qualification

Monthly lounge qualification
Preceding statement balance / tier	Visits earned per month
RM1–RM10,000	0
RM10,001–RM100,000	1
RM100,001–RM200,000	2
Above RM200,000	3

Separate annual caps: 9 Plaza Premium + 9 Travel Club visits. Unused monthly entitlement may carry forward within the same calendar year. The personal-card November change does not announce removal of business Travel Club access.

Fees & charges

Principal annual fee: Not applicable; nominee / supplementary RM100.
Annual-fee waiver: Principal fee not applicable; RM100 nominee / supplementary. First-year waiver; subsequent waiver with RM12,000 annual spend OR 12 swipes, plus prompt payment. Performing SME financing may provide a separate waiver.
Supplementary annual fee: RM100 nominee / supplementary
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: RM18 plus applicable tax.

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.

Payment plans

Business 0% Flexi Payment Plan

Business 0% Flexi Payment Plan
Preceding statement balance	Tenure
RM5,000–RM10,000	3 months
RM10,001–RM100,000	6 months
RM100,001–RM200,000	9 months
Above RM200,000	12 months

Minimum conversion RM5,000. Request conversion with the bank; tenure uses preceding statement balance and does not automatically apply to every transaction.

Product features

Business travel insurance: Up to RM2 million accidental death / permanent disablement cover when the full eligible air fare is charged to the named business card. Overseas medical and inconvenience benefits have separate limits; maximum trip 30 consecutive days and policy exclusions apply.
Online purchase protection: Zurich Cyber Protect advertised maximum RM4,000 on eligible online purchases; insured events, reporting deadlines, exclusions and proof requirements follow the policy.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.