Alliance Bank Visa Signature
Alliance Bank consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Partial verification · Terms last checked: 2026-11-10
Progressive bands assumed. E-wallet reloads excluded.
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM4,000.00
- Minimum annual income
- RM48,000.00
- Qualifying spend
- 5% applies to the RM2,000–3,000 band (assumed)
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM148.00
- Fee waiver
- Free for first year
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Progressive cashback: first RM1,000 at 0.05%, next RM1,000 at 0.5%, next RM1,000 at 5%, excess at 0.25%. RM3,000 earns RM55.50. E-wallet reloads excluded conservatively. Automatic estimate; no manual calculation needed.
- Progressive cashback bands; 5% does not apply to the whole monthly spend.
- RM48,000 minimum annual income; RM148 renewal fee, first year waived.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Online Shopping, Groceries, Dining, Petrol, Utilities, and Other Retail Spends | 0.05% | RM1.00–RM1,000.00 | Not specified / uncapped in listing |
| Online Shopping, Groceries, Dining, Petrol, Utilities, and Other Retail Spends | 0.5% | RM1,001.00–RM2,000.00 | Not specified / uncapped in listing |
| Online Shopping, Groceries, Dining, Petrol, Utilities, and Other Retail Spends | 5% | RM2,001.00–RM3,000.00 | Not specified / uncapped in listing |
| Online Shopping, Groceries, Dining, Petrol, Utilities, and Other Retail Spends | 0.25% | RM3,001.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.