Alliance Bank Visa Virtual
Up to 8x Three-year Bonus Points per RM1 on e-commerce & eWallet top-up
Apply for Alliance Bank Visa Virtual →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Alliance Bank Visa Virtual overview
The Alliance Bank Alliance Bank Visa Virtual is a Card-tier Visa points card built around rewards points. Up to 8x Three-year Bonus Points per RM1 on e-commerce & eWallet top-up. It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It carries no annual fee.
Features & benefits
- ✓Up to 8x Three-year Bonus Points (TBP) per RM1 on e-commerce & eWallet top-up
- ✓3x TBP per RM1 on dining
- ✓1x TBP per RM1 on all other spend
- ✓Dynamic 16-digit virtual card number, changes every 30 minutes
- ✓Freeze, unfreeze or delete virtual cards anytime in the app
- ✓Apple Pay enabled
- ✓Friend or Family Card — supplementary virtual cards with their own spending limits, managed in the allianceonline app
- ✓Permanently free — no annual fee ever
Is the Alliance Bank Visa Virtual worth it?
The Alliance Bank Visa Virtual is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Low income requirement — accessible to first-time applicants
- +Broad range of benefits and perks
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — Alliance Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Alliance Bank Visa Virtual, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Instalment Payment Plan (IPP) and Flexi Payment Plan (FPP) transactions, plus JomPay and FPX payments, earn only the base 1x TBP rate rather than the bonus e-commerce/dining tiers.
- Min spend to earn
- E-commerce & eWallet top-up spend above RM3,000 in a statement cycle drops to the base 1x TBP rate for the excess over that threshold.
- Foreign transaction fee
- Converted at the Mastercard/Visa International conversion rate plus a 1% foreign exchange conversion spread charged by Alliance Bank (the "Visa Basic Card" exemption in the PDS's fee table does not apply to this Visa Virtual product).
Verified 20 August 2026. Summarised in our own words from Alliance Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Alliance Bank Visa Virtualterms & product disclosure →Alliance Bank Visa Virtual FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). Alliance Bank also considers your overall credit standing.
No — the Alliance Bank Visa Virtual is free for life with no annual fee.
It earns 1 reward point per RM1 spent. Up to 8x Three-year Bonus Points per RM1 on e-commerce & eWallet top-up.
No — the Alliance Bank Visa Virtual is a conventional credit card. Check with Alliance Bank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want rewards points — its main draw is "Up to 8x Three-year Bonus Points per RM1 on e-commerce & eWallet top-up". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Alliance Bank Visa Virtual compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Alliance Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Alliance Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.