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Alliance Bank Credit Card offer rewards points, exclusive dining offers, premium deals and cash rebates along with low profit rates. You can enjoy profit-free repayments plans on these cards. Some cards are recognised and accepted throughout the world.
|Card Name||Ideal For||Key Benefits||Annual Fee||Minimum Annual Income||Profit Rate|
|Allianz Insurance Gold Card||Cashback||Up to 0.3% cash rebate on AGIC spends Cash advance up to 100% of the credit limit||Waived for life||RM24,000||15% to 18% p.a.|
|Allianz Insurance Platinum Card||Cashback||Up to 0.3% cash rebate on AGIC spends Cash advance up to 100% of the credit limit||Waived for life||RM60,000||15% to 18% p.a.|
|CIS Card||Rewards||1x Timeless Bonus Points for all retail transactions except petrol or government agency transactions Cash advance up to 100% of the credit limit||RM156.88 Waived for a minimum spend of RM5,000 or 12 swipes each year||RM24,000||15% to 18% p.a.|
|Classic Card||Rewards||1x Timeless Bonus Points for all retail transactions except petrol or government agency transactions Cash advance up to 100% of the credit limit||RM72.08 Waived for a minimum spend of RM5,000 or 12 swipes each year||RM24,000||15% to 18% p.a.|
|CPA Australia Card||Rewards||1x Timeless Bonus Points for all retail transactions except petrol or government agency transactions 0% instalment payment plan for CPA exam fees Cash advance up to 100% of the credit limit||Waived throughout CPA Australia membership||RM24,000||15% to 18% p.a.|
|Gold Card||Rewards||2x Timeless Bonus Points for overseas retail transactions 2x Timeless Bonus Points utility transactions 1x Timeless Bonus Points for other domestic retail transactions||RM156.88 Waived for a minimum spend of RM5,000 or 12 swipes each year||RM24,000||15% to 18% p.a.|
|Platinum Card||Rewards||3x Timeless Bonus Points for overseas retail transactions 2x Timeless Bonus points for petrol, utility and grocery transactions 1x Timeless Bonus Points for other domestic retail transactions||RM464.28 Waived for a minimum spend of RM5,000 or 12 swipes each year||RM60,000||15% to 18% p.a.|
|Visa Basic Card||Exclusive Visa Privileges||Exclusive privileges and discounts at participating merchants 0% instalment payment plan for card purchases||RM21.20 Waived for a minimum spend of RM5,000 or 12 swipes each year||-||15% to 18% p.a.|
|Visa Infinite Card||Rewards||5x Timeless Bonus Points for all overseas transactions except petrol and government agency transactions 2x Timeless Bonus Points for all domestic transactions except petrol and government agency transactions Exclusive discounts on travel, lifestyle and shopping outlets||RM848.00 Waived for a minimum spend of RM30,000 per year||RM150,000||15% to 18% p.a.|
Earn Timeless Bonus Points on various retail transactions. Accumulate points on purchases except for petrol and government agency transactions. These points never expire. The rewards offered for these points are varied. They include air miles, electrical appliances, home appliances, special deals and gift vouchers.
Fast Cash Programme: This facility allows you to withdraw funds from your card. The repayment tenure is 12, 24 or 36 months. The profit rate for this plan starts from 6.99% p.a. to 7.99% p.a. You can withdraw up to 80% of your credit limit. The minimum withdrawal amount is RM1,000 for all the plans.
You can earn 500 Timeless Bonus Points if you withdraw a minimum of RM10,000. You can discontinue the plan mid-term if you prefer. There is no exit fee, but you need to pay the total outstanding amount immediately.
Alliance Bank Balance Transfer offers 12-month, 18-month and 24-month plans. The profit rates for these plans range from 6.99% p.a. to 7.99% p.a. The minimum transfer amount is RM1,000. You can earn 500 Timeless Bonus Points for every RM10,000 you transfer.
You need to pay the full instalment amount each month for this plan. There is no exit fee if you decide to discontinue the plan. You have to pay the full outstanding amount immediately if you terminate the plan mid-term. You need to sign and submit the balance transfer form along with the latest copy of card statements of other cards with outstanding dues.
Complimentary travel insurance is offered only on Visa Infinite card.
Travel Accident Benefits
Travel Inconvenience Benefits
Medical Expenses Benefits
|Type of Fee||Amount|
|Annual Fee||Allianz Insurance Gold Card: Waived for life Allianz Insurance Platinum Card: Waived for life CIS Card: RM156.88 Classic Card: RM72.08 CPA Australia Card: Waived for life Gold Card: RM156.88 Platinum Card: RM464.28 Visa Basic Card: RM21.20 Visa Infinite Card: RM848 You:nique Card: RM156.88|
|Supplementary Fees||Allianz Insurance Gold Card: Waived for life Allianz Insurance Platinum Card: Waived for life CIS Card: RM31.80 Classic Card: RM21.20 CPA Australia Card: Waived for life Gold Card: RM31.80 Platinum Card: Waived for life Visa Basic Card: RM10.60 Visa Infinite Card: Waived for life You:nique Card: RM31.80|
|Retail Interest Rate||15% p.a. to 18%. p.a. You:nique Card : 9% p.a.|
|Cash Advance Fee||RM15.90 or 5.3% of the advanced amount whichever is higher (per transaction)|
|Cash Advance Interest Rate||18% p.a. (calculated daily from transaction date)|
|Overseas Transactions||1% (per transaction)|
|Late Payment Fees||RM10 or 1% of total outstanding amount whichever is higher (maximum RM100)|
|Minimum Monthly Payment||RM50 or 5% of outstanding dues whichever is higher|
|Statement Request||RM5.30 (per statement)|
|Card Replacement||RM50 (per card) RM15 (Visa Basic Card)|
Your card will be blocked for 90 days once issued. You need to activate your card immediately to avoid any disruption in payments.
You will receive your card statement through post each month. You can switch to e-statement easily if you prefer.
This is an online payment service that enables easy and secure online transactions. You need to key in your card information just once. The information is safely stored behind multiple security layers. You can conveniently make online purchases through Visa Checkout without the need of entering your card details each time. You can shop through your phone, tablet or PC.
Pin and Pay
This facility allows the use of a PIN to secure your POS (point-of-sale) card transactions. All POS terminals in Malaysia support use of PIN-enabled cards. You need to enter your 6-digit PIN to authorise a card payment.
You are not liable for any unauthorised card transactions that require PIN verification, signature verification or use of contactless card if you meet the following conditions.
Temporary Credit Limit Increase
This is allowed only for overseas travel and hospitalisation purposes.
Permanent Credit Limit Increase
This is allowed only for those who can submit income proof indicating an increase in their monthly income, and who do not have any credit limit revision on their card in the past 6 months.
Q. What are the contact details if I wish to address any complaints or enquiries?
A. Call the customer service line in case of any complaint or enquiry. They are open 24/7.
Q. What is the contact address for Alliance Bank?
A. The contact address is:
Alliance Bank Contact Centre,
3 Alliance, Level 1,
3, Jalan SS15/2A,
47500 Subang Jaya, Selangor.
Q. On what transactions would I not earn rewards points on my card?
A. You will not earn any rewards points for transactions such as balance transfer, cash advance, fast cash, late charges, annual fees, GST or any other fees or charges.
Q. Can I transfer the rewards points to someone else?
A. No. You cannot transfer your rewards points to another card or cardholder.
Q. Can I redeem my rewards points for cash?
A. No. You cannot redeem your rewards points for cash.
Q. Is there an interest-free period on my Alliance card?
A. Yes. You will have a 20-day interest free period on your card. It would be from the date of the retail purchase. This interest-free period is subject to no outstanding balance on your card, balance transfer or fast cash account.
Q. Is there an interest-free period for cash advances?
A. No. There is no interest-free period offered for cash advances.
Q. How will I get the cash if I apply for Fast Cash facility?
A. You will receive funds once your application is approved by the bank. You will be credited funds either by internal transfer to your Alliance bank account or by interbank giro transfer to your bank account maintained with any other bank.
Q. What happens if I’m not able to make a full minimum monthly payment on my fast cash plan?
A. If you do not pay the full monthly instalment for your fast cash plan, then a finance charge of 18% p.a. would be applicable on your total outstanding amount from the due date until the date where you make a full settlement.
Q. How much cash advance can I withdraw from my card?
A. You can withdraw up to 80% of your credit limit. But this is subject to you not exceeding your available credit limit.