Alliance Bank Visa Infinite
Unlimited lounge access + 10x overseas points
Apply for Alliance Bank Visa Infinite →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Alliance Bank Visa Infinite overview
The Alliance Bank Alliance Bank Visa Infinite is a Infinite-tier Visa points card built around rewards points. Unlimited lounge access + 10x overseas points. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM438 (free 1st year). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓10x Three-year Bonus Points (TBP) per RM1 on overseas spend
- ✓2x Plaza Premium Lounge access in year 1, unlimited thereafter with RM120,000/yr retail spend
- ✓Travel insurance coverage
Is the Alliance Bank Visa Infinite worth it?
The Alliance Bank Visa Infinite is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (free 1st year)
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM438 annual fee unless the waiver condition is met
- −Higher income requirement — RM60k a year
- −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 Infinite, in plain language — so nobody gets caught out. Always confirm against the official terms.
- Foreign transaction fee
- Visa/Mastercard's own conversion rate and charges, plus a 1% foreign-exchange conversion spread levied by Alliance Bank — per the official PDS's 'Overseas Transaction Conversion Fee' row for 'Other Credit Cards' (applies to Visa Infinite; only the separate Visa Basic card is priced differently).
- ⚠TBP (Three-year Bonus Points) drop to 1x per RM1 — off the headline 10x overseas rate — for Instalment Payment Plan (IPP), Flexi Payment Plan (FPP), JomPay and FPX transactions, per the card's own official product page.
- ⚠No minimum-spend threshold for the 10x overseas rate is stated on the official product page or PDS.
Verified 2 September 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 Infiniteterms & product disclosure →Alliance Bank Visa Infinite FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). Alliance Bank also considers your overall credit standing.
The annual fee is RM438, but it can be waived: free 1st year.
It earns 1 reward point per RM1 spent. Unlimited lounge access + 10x overseas points.
No — the Alliance Bank Visa Infinite is a conventional credit card. Check with Alliance Bank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want rewards points — its main draw is "Unlimited lounge access + 10x overseas points". Weigh the RM438 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Alliance Bank Visa Infinite 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.