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Why should I use a debit card?

Many people are familiar with using credit cards. If a person is eligible for a credit card, chances are that person will use it frequently for making retail purchases whether locally or abroad or take advantage of the other features such as balance transfers and cash withdrawals.

This is fine as long as that person manages the use of the credit card well. Credit cards have higher interest and fees on outstanding balances thus making it a relatively costly financial product to manage.

We encourage people to also get debit cards as these cards offer several features which may suit different daily banking needs.

Reasons why you may use a Debit Card

  1. I want to control my spending

    Money spent through your debit card is taken directly from your current or savings account. As such you can never spend beyond the daily limit set by yourself to use for retail spend as well as the amount of money held in your account. The money you spend is money you have.

    Also, since your debit card is usually tied to a deposit account, you will be able to keep track of your spending better if you get an internet banking facility at the same time. 

  2. My credit card interest and fees payable are too high.

    Since debit card spending is taken straight from your account, it does not incur credit card interest and fees. Incurring interest happens when you have outstanding balances on your credit card and you continue to revolve with your credit card. Thus, if you purchase a pair of jeans with your credit card, you might end up paying more than the actual price of that item.

  3. I need to use my debit card frequently.

    Debit cards can be used to withdraw cash at ATMs and also to make retail purchases wherever the MasterCard/Cirrus logo is displayed. On top of that, you will be able to use the card for making online purchases as well as for setting up Standing Instruction transactions. For example, you can opt to provide your debit card number to your insurer to make monthly premium payments.

  4. Does Debit Card offer other benefits?

    Debit Cards have differing features. Some offer CashBack as a feature which means that you may get some form of return for using the card at retail outlets or make retail transactions online. Other types of cards offer better interest on the account that it is tied to. Whatever the feature may be, choose your debit card wisely.

Therefore, it’s up to you to decide what which card would be most suitable for you. You can use credit cards for certain purposes and debit cards for others.  Just remember to weigh the pros and cons of using each type of card and we are sure you will be able to reap the benefits of and rewards of each product.


 
Hybrid Standard Debit Mastercard-i
ALLIANCE HYBRID STANDARD DEBIT CARD-i Find Out More Contact Us
  • Get 1.0% Cash Back on overseas spend and enjoy up to RM50 per month.
  • Choose your personalised ATM and daily spending limit.
  • Benefit from a secure and convenient alternative to cash.
  • Free Cheque Book.
  • Gain access to more than 12,000 MEPS ATMs in Malaysia.
  • Be welcomed at more than 29 million merchants worldwide.
 
 
Hybrid Platinum Debit Mastercard-i
ALLIANCE HYBRID AP PLATINUM DEBIT CARD-i Find Out More
  • Get 1.5% Cash Back on overseas spend and enjoy up to RM100 per month.
  • Choose your personalised ATM and daily spending limit.
  • Benefit from a secure and convenient alternative to cash.
  • Free Cheque Book.
  • Gain access to more than 12,000 MEPS ATMs in Malaysia.
  • Be welcomed at more than 29 million merchants worldwide.
 
 
HYBRID PREMIUM DEBIT MASTERCARD-i
ALLIANCE HYBRID PB PLATINUM DEBIT CARD-i Find Out More
  • Get 2.0% Cash Back on overseas spend and enjoy up to RM200 per month.
  • Choose your personalised ATM and daily spending limit.
  • Benefit from a secure and convenient alternative to cash.
  • Free Cheque Book.
  • Gain access to more than 12,000 MEPS ATMs in Malaysia.
  • Be welcomed at more than 29 million merchants worldwide.
 
 
Alliance MyESaving Debit Mastercard-i
ALLIANCE MY eSAVING DEBIT CARD-i Find Out More
  • Choose your personalised ATM and daily spending limit
  • Benefit from a secure and convenient alternative to cash
  • Gain access to more than 12,000 MEPS ATMs in Malaysia
  • Be welcomed at 29 million merchants worldwide
  • Allows Card-Not-Present Transactions
* Terms & Conditions apply
 
 
Alliance MyESaving Debit Mastercard-i
ALLIANCE JUNIOR DEBIT CARD-i Find Out More
  • Parents/Guardian to choose personalised ATM and daily spending limit
  • Benefit from a secure and convenient alternative to cash
  • Gain access to more than 12,000 MEPS ATMs in Malaysia
  • Be welcomed at 29 million merchants worldwide
  • Allows Card-Not-Present Transactions
* Terms & Conditions apply
 
  • Getting a Debit Card-i is easy. You will be issued a Debit Card-i when you can open up any Current or Savings account with Alliance Bank *.

  • If you currently hold an Alliance Bank ATM card, you can come to any of our branches to have your card replaced with a Debit Card-i.

  • Do call us at +603 55169988 if you would like to find out more information. Alternatively, please visit any of our branches nationwide. Click here to find our branches.

* Basic Current and Savings accounts are not allowed.


  1. Notices
    1. Please upgrade your ATM Card at any of our branches to Debit Cards which carry more features and benefits.

    2. If your Debit Card has expired or is nearing expiry, kindly have it replaced at any of our branches nationwide. Please find a branch closest to you here. Alternatively, please contact +603 5516 9988.

  2. Terms and Conditions
    1. English.

    2. Bahasa Malaysia.

  3. Product Disclosure Sheet