The Most Secured Credit Card in Malaysia
Like I mentioned in Page 1, holding a Credit Card is a liability!
In2025, my CIMB, Maybank AMEX, Maybank AMEX-i and UOB credit cards were used fraudulently and I had to report the matter and new cards were issued. So if a new card needs to be issued and you have auto-debit assigned to the card then it will be damn troublesome. And if the card issuer holds you responsible for the fraudulent transactions, you are sure to get a massive headaches and many sleepless nights.
I did produce an article where I mentioned that the Alliance Virtual Credit Card is the best in Malaysia for security purposes!
Click here to read my article titled Where and Why You Should Use Virtual One Time Use Credit Card and you are sure to learn a thing or two.
Do read the above article to learn why a One-Time Use Alliance Bank Credit Card is more secured than a Prepaid Card (e.g. Big Pay Visa or TnG Visa). In the article I also mentioned examples of where you should use the One-Time Alliance Virtual Card.
Before I forget, never use a Debit Card that is linked to your bank account…. do not even activate it for transactions and if necessary only for emergency cash withdrawal at ATMs. The moment your Debit Card was used for a fraudulent transaction, the amount will be debited from your bank account instantly!!! If you “keh khiang” and do not deactivate your Debit Card from any kind of transactions, you only have yourself to be blamed when shit happens.
I also must add, a few of my followers also shared with me stories of elderly people being conned/scammed/”pukau” and one of them was about an old man’s credit card being used by someone else to withdraw cash from many ATMs. Yes, our credit cards can also withdraw cash from ATMs!!! Like I said, credit cards are liabilities.
In respect to the above mentioned paragraph, the Alliance Virtual Platinum Visa Credit Card is freaking good because there is no physical card to withdraw money from ATMs, hahaha. But this does not mean you cannot use the Alliance Virtual Card for over the counter transactions. You see, you can link your Alliance Virtual Card to Google Pay and Samsung Pay! However only a fool will use the Alliance VC with Google Pay or Samsung Pay because he/she will only earn 1 Enrich Point for every RM15 spent (unless they win a contest)!
Once your Alliance Virtual Card is approved via Alliance App, you can then created many Virtual Cards for One-Time Use or for a specific period of time, set the limit for each virtual card created You can even set the color of each card to be shown on your App and etc.
Recently I wanted to purchase something online from a Online Shopping Site in China. So I created a new Virtual Card with limit of RM500 that lasted for 5 days (to ensure that the transaction is posted and approved) to pay for the product I bought and then no need to worry anymore if the website was a fake or a phishing website!
And the beauty part of the Alliance Virtual Credit Card is that we earn 8X TBP (now known as Three-year Bonus Points) for Online Transaction, which means we earn 1 Enrich Point for every RM1.875 spent online. I know, the Alliance Virtual Card is not the best to earn air miles but for security purposes it is the best.
I tell you, if you are a die hard long time follower of mine, besides holding the CIMB eCC, Maybank 2 Cards Amex Gold/Platinum, Maybank KrisFlyer AMEX Platinum and Maybank AMEX Platinum-i, the other must have credit card to hold is the Alliance Virtual Visa Credit Card.
Click here to Page 3 for The Best Cash Back Credit Cards
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