Alliance Bank Visa Infinite Credit Card

Min. annual incomeRM60,000RM5,000 / month equivalent

Principal annual feeRM438

Card networkVisaConventional card

View with bank ↗← All ALLIANCE cards

Apple PaySupported

Google PaySupported

First year: 3 complimentary visitsPlaza Premium Lounge / Plaza Premium First

BEFORE YOU FLY

Airport lounge access

Effective 15 November 2026

First year: 3 complimentary visits

Plaza Premium Lounge / Plaza Premium First

Use viaPhysical eligible card + boarding pass + passport / MyKad; no required lounge membership app

Qualifying spend & allocation: First year: 3 complimentary entries. Subsequent calendar years: unlimited entries after qualifying annual retail spend of RM120,000 in the preceding year. If that spend threshold is not met, the standard entitlement is 3 entries in the subsequent year.
Principal / supplementary: Eligible principal cardholder only; supplementary cards do not receive the personal-card free allowance.
Guests: Guests are not automatically free. Confirm paid guest fees, children, capacity and duration at the outlet.
Where it works: Participating Plaza Premium Lounge and Plaza Premium First outlets worldwide. Check the official participating-lounge list; access is not guaranteed at every outlet.

Revised benefits effective 15 November 2026. The effective date is stated by the issuer; this page presents the announced revised programme.

Entry steps & validity

Present the named physical eligible card, matching boarding pass and passport / MyKad. Entitlements reset by calendar year; unused annual quota does not carry forward.

Revised benefits effective 15 November 2026. The effective date is stated by the issuer; this page presents the announced revised programme.

Official eligibility & first-year allowance ↗Official change effective 15 November ↗Participating lounge list ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Three-year Bonus Points

Three-year Bonus Points
Eligible transaction	Earn rate
Overseas retail	10 TBP per RM1
Other eligible retail	1 TBP per RM1

VCC online and e-wallet caps are separate. Visa Platinum’s current 5X categories do not imply 8X online / e-wallet earning. Card transaction / merchant coding, reversals and exclusions govern points.

Airline redemption since 1 December 2025

Airline redemption since 1 December 2025
Airline currency	Minimum redemption	Monthly maximum
Enrich	75,000 TBP → 5,000 Enrich Points	20,000 Enrich Points / 300,000 TBP
AirAsia	30,000 TBP → 5,000 AirAsia points	20,000 AirAsia points / 120,000 TBP

Redeem in multiples of 5,000 airline points; unused monthly redemption allowance does not roll over.

Fees & charges

Principal annual fee: RM438
Annual-fee waiver: First year waived; then RM438 principal annually. Old RM12,000 / 12-swipe general waivers ended on 1 August 2025. Eligible home-financing / relationship waivers remain separately conditional.
Supplementary annual fee: Not applicable under the current card-specific PDS.
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: 1.25% or RM3 minimum per transaction, under the September / October 2026 disclosure. This replaces older 5% / RM15 references.
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: 20 calendar days from statement date if all amounts owed are paid fully on time; excludes balance transfer and cash advances.
Replacement card: RM18 plus applicable tax.

Requirements

Minimum annual income: RM60,000
Principal minimum age: 21 years
Documents: NRIC / passport and income records. MNC / PLC / GLC: recent EPF history or latest payslip; other salaried applicants: EPF or 3 months payslips + bank statements. Self-employed: registration and 6 months banking or tax evidence.

Product features

Rewards exclusions: Government-agency spending and petrol do not earn TBP under the generic terms, except the explicitly eligible Visa Platinum petrol category. Cash, transfers, fees, reversals and disputed / split transactions are excluded; timely minimum repayment and good standing are required.
Points expiry: TBP now means Three-year Bonus Points. Points accumulated before 1 December 2025 expire 30 November 2028; later monthly earnings follow the published 3-year schedule. January 2026 points expire 31 December 2028, for example.
Points posting: Eligible monthly points are rounded down to the nearest 10 TBP, with a minimum of 10 TBP to post under the generic rewards terms.
Travel 0% FPP: 3-month 0% Flexi Payment Plan for qualifying flight purchases, hotel bookings and overseas retail. Conversion approval and available credit limit apply.
Separate credit facilities: Balance Transfer, Fast Cash and other conversions have their own offered rates, minimum amounts, effective rates and approval conditions. A “0%” card-specific FPP does not make ordinary revolving balances interest-free.
Card design: Current personal cards use accessible notch / recycled PVC designs on eligible issues. Chip, stripe and inlay are not recyclable.

Product disclosure·Card terms·Terms apply

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