For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Broad-Based Points Card with Modest Returns
The Alliance Bank Visa Platinum Credit Card is positioned as an entry-level points card with a relatively low income requirement of RM24,000 per annum. Following its recent revision, the card adopts a more conservative rewards structure, focusing on a wider range of everyday spending categories rather than aggressive earn rates.
Cardholders earn up to 5x points on selected categories including overseas transactions, dining, groceries, petrol, and essential spending. While this category coverage is broader than the Visa Infinite variant, the rewards are largely skewed towards offline usage and do not extend to higher multipliers. As a result, the effective cost per mile remains reasonable but unremarkable compared to more specialised miles cards in the market.
The card does not include any airport lounge access, reinforcing its positioning as a general-purpose rewards card rather than a travel-focused product. From a design and usability standpoint, it incorporates a blind notch for accessibility, is produced using recycled PVC, and supports Google Pay and Samsung Pay for contactless payments.
The principal card carries an annual fee of RM120. Following the revision, standard fee waiver conditions are no longer clearly defined, although lifetime annual fee waivers continue to apply for selected customer segments such as Alliance customers with home financing facilities and Alliance Privilege or Personal customers under specific card tiers.
Verdict: The Alliance Visa Platinum is best suited for users seeking a low-entry points card with straightforward rewards across common spending categories. While its CPM remains acceptable, the lack of lounge access, modest earn rates and uncertain long-term fee waiver make it less compelling when compared to more competitive entry-level miles cards available in the market.
Pros
- Low income requirement of RM24,000 per annum
- 5x points across multiple everyday spending categories
- Acceptable cost-per-mile for an entry-level card
- Blind notch design and recycled PVC card material
- Supports Google Pay and Samsung Pay
Cons
- No airport lounge access
- Rewards structure is conservative with limited upside
- Annual fee of RM120 with unclear waiver conditions
- Points earning is skewed towards offline spending
- Easily outperformed by more specialised rewards cards
Rewards Points
| Category | Multiplier | Cap |
|---|---|---|
Overseas Transactions | 5xPoint | Uncapped |
Dining | 5xPoint | Uncapped |
Groceries | 5xPoint | Uncapped |
Petrol | 5xPoint | Uncapped |
Essentials1 | 5xPoint | Uncapped |
Other Retail | 1xPoint | Uncapped |
Valid for Drugstore, Pharmacy, Convenience Stores (MCC 5912, 5499)
Earn 1x TBP for every RM1 transaction for Instalment Payment Plan (IPP), Flexi Payment Plan (FPP), JomPay and FPX transactions.
Earn TBP for transactions made using Samsung Pay or Google Pay, based on the spend categories listed above.
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available for each points program. A lower CPM indicates better value. Click on a row to see CPM at different earn rates.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
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Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Card benefits
No specific benefits listed.