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Home›Best Cashback Credit Cards›Alliance Visa Signature 2026
Updated May 2026 · First Year Free

Alliance Bank Visa Signature 2026

5% cashback on all retail · 2x airport rides · First year annual fee free

5%
Max cashback
on all retail
RM148
Annual fee
first year free
RM4k/mo
Min income
RM48,000/year
2×
Airport rides
RM80 each

Alliance Visa Signature Cashback Tiers — Full Breakdown

Monthly SpendCashback RateApplies to
RM1–RM1,0001%All retail categories
RM1,001–RM2,0003%All retail categories
RM2,001–RM3,0005% 🔥All retail (incl. overseas)
Key advantage: Unlike UOB ONE or RHB Shell, Alliance Visa Signature has no category restrictions — the 5% rate applies to groceries, petrol (any brand), dining, online shopping, travel bookings, and overseas spend equally. No tracking required.

Monthly Savings — How Alliance Visa Compares

Spending PatternAlliance Visa (5%)UOB ONE (10% capped)
RM150 petrol, RM300 dining, RM300 groceries, RM150 GrabRM45 (5% × RM900)RM15+RM15+RM15+RM15 = RM60
RM2,500 spread across all categories (travel, shopping, misc)RM125 (5% × RM2,500)RM60 max (category caps hit)
RM1,000 overseas spend on a tripRM50 (5% on overseas)RM2 (0.2% — not a qualifying category)
Verdict: Alliance Visa Signature wins for high spenders (RM2k–3k/month) with diverse categories or overseas spending. UOB ONE wins if you max out petrol + dining + groceries + Grab consistently within the caps.
💳 Alliance BankUp to 5% on all retail · 2x airport rides · First year free

Spend RM2,000/month on anything — earn 5% cashback on every ringgit

The only card that gives 5% cashback on ALL categories — not just petrol or dining. Best for high spenders who want simple, uncapped-category rewards.

Monthly spend RM1–RM1,0001% on all retail
Monthly spend RM1,001–RM2,0003% on all retail
Monthly spend RM2,001–RM3,0005% on all retail
Annual feeRM148 (first year FREE)
2x airport e-hailing ridesRM80 each (RM160/year)
  • 🛍️5% on EVERYTHING — groceries, petrol, dining, online, overseas
  • ✈️2x complimentary airport e-hailing rides worth RM80 each
  • 💳First year annual fee waived — apply with no upfront cost
Apply Alliance Visa Signature — 5% on All Spending →

Commission via RinggitPlus. Minimum monthly income RM4,000 required. Cashback tiers based on monthly statement spend.

Who Should Get the Alliance Visa Signature?

✅ Good fit if you:

  • • Earn RM4,000+/month
  • • Spend RM2,000–3,000/month across varied categories
  • • Travel internationally (5% on overseas spend)
  • • Want simplicity — no category tracking needed
  • • Spend on categories UOB ONE doesn't cover

❌ Not ideal if you:

  • • Earn below RM4,000/month (income bar too high)
  • • Spend heavily on petrol + dining + Grab (UOB ONE gives 10%)
  • • Fill up only at Shell (RHB Shell gives 12%)
  • • Looking for no annual fee options

Also Consider — UOB ONE Card

Lower income requirement (RM3k/month). 10% on petrol/dining/Grab — better rate if you max all 4 categories consistently.

💳 UOB Malaysia10% cashback on 4 categories · Annual fee waived

Spend RM1,500/month — earn 10% cashback on petrol, dining & Grab

10% cashback on petrol at ALL stations, dining, groceries & Grab in one card. New applicants get RM88 cashback when you spend RM200 in the first 60 days.

Petrol (any station)10% · cap RM15/month
Dining & food delivery10% · cap RM15/month
Groceries10% · cap RM15/month
Grab (rides, food, mart)10% · cap RM15/month
Max monthly cashbackRM60 (4 × RM15)
  • 🎁RM88 cashback when you spend RM200 in first 60 days
  • 📅Annual fee RM195 — waived for new applicants
  • ⛽Petrol cashback at ALL stations — not locked to one brand
Apply UOB ONE Card — 10% Cashback on Petrol & Dining →

New-to-bank or new-to-card only. Min. RM1,500 monthly spend to unlock 10% cashback. Caps apply per category.

More Cashback & Savings

Best Cashback CardsUOB ONE CardRHB Shell VisaShopBack Cashback
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Frequently Asked Questions

What cashback does the Alliance Bank Visa Signature give?
Alliance Bank Visa Signature gives tiered cashback on ALL retail spending: 1% for monthly spend RM1–RM1,000; 3% for RM1,001–RM2,000; 5% for RM2,001–RM3,000. The 5% rate applies to every retail category — groceries, petrol, dining, online shopping, and overseas transactions — with no category restrictions.
Who qualifies for Alliance Bank Visa Signature in Malaysia?
Minimum annual income of RM48,000 (RM4,000 per month). This is the highest income requirement among our reviewed cashback cards, positioning the Visa Signature as a card for working professionals and above. Apply online via Alliance Bank's website or through iMoney/RinggitPlus.
What are the 2 complimentary airport rides for Alliance Visa Signature?
Alliance Visa Signature cardholders get 2 complimentary e-hailing rides to the airport per year, worth RM80 each (total RM160 value). These apply for airport trips (KLIA, klia2, Subang) and require minimum annual spend of RM120,000 to qualify. Check current terms with Alliance Bank as conditions may change.
Alliance Visa Signature vs UOB ONE Card — which gives more cashback?
Depends on your spending profile. UOB ONE gives 10% on petrol/dining/groceries/Grab (capped RM60/month), best for spenders who max all 4 categories. Alliance Visa Signature gives 5% on EVERYTHING (RM2k–3k/month spend) — better if your spending is spread across categories not covered by UOB ONE, or if you spend overseas frequently.
Is Alliance Bank Visa Signature annual fee waived?
The Alliance Bank Visa Signature annual fee is RM148 per year, with the first year free. From year 2, the fee applies unless waived by meeting spending criteria — check current waiver conditions with Alliance Bank. The first-year waiver makes it risk-free to try.
Does the 5% cashback apply to overseas spending?
Yes. The Alliance Bank Visa Signature 5% cashback (at RM2,001–3,000 monthly spend) applies to overseas retail transactions, making it one of the better cashback cards for international spending among standard-fee cards in Malaysia.

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