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  • Credit Card BYTES FROM OUR KITCHEN

    Alliance Bank Credit Card

    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.

    Features and Benefits

    • Earn Timeless Bonus Points for each RM1 spent across various categories.
    • Get cashback and cash rebates on various purchases.
    • Enjoy exclusive discounts and privileges on travel, shopping and lifestyle expenses.
    • Convert your Timeless Bonus Points to Air Miles.
    • Transfer any outstanding card dues to a low-interest transfer plan.
    • Get cash advance up to 100% of your credit limit.
    • Get your annual fee waived for a minimum spend amount or for a minimum number of swipes.

    Alliance Bank Credit Cards – An Overview

    Card Name Ideal For Key Benefits Annual Fee Minimum Annual Income Profit Rate Explore
    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. Explore Card
    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. Explore Card
    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. Explore Card
    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. Explore Card
    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. Explore Card
    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. Explore Card
    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. Explore Card
    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. Explore Card
    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. Explore Card
    You:nique Card Cashback Unlimited cash rebates up to 3% on all retail transactions 2x Timeless Bonus Points for domestic and overseas retail transactions excluding petrol and government agency transactions Personalised card image RM156.88 Waived for a minimum spend of RM5,000 or 12 swipes each year   9% p.a. Explore Card

    Best Alliance Bank Credit Cards

    Alliance Bank Platinum Card: Best for 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
    • Annual fee waived for a minimum spend of RM5,000 or 12 swipes each year

    Alliance Bank You:nique Card: Best for Cashback

    • Unlimited cash rebates up to 3% on all retail transactions
    • 2x Timeless Bonus Points for domestic and overseas retail transactions excluding petrol and government agency transactions
    • Annual fee waived for a minimum spend of RM5,000 or 12 swipes each year
    • A low interest rate of 9% p.a.

    Rewards Programme

    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.

    Alliance Bank Credit Card Promotions

    • Enjoy a 50% discount while redeeming your Timeless Bonus Points for a Lego game. This promotion is ongoing until the stocks last.
    • Enjoy 0% interest rate on 6-month Balance Transfer Flexi Plan. This offer is for new card applicants with a minimum transfer of RM3,000 only. This promotion is ongoing until 31 December 2018.

    Payment Plans

    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.

    Balance Transfer Plans

    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.

    Insurance Plans

    Complimentary travel insurance is offered only on Visa Infinite card.

    Travel Accident Benefits

    • Death or Total and Permanent Disability: Up to RM2 million

    Travel Inconvenience Benefits

    • Missed Flight Connections and Flight Delays: Up to RM2,000
    • Luggage Delays: Up to RM2,000
    • Loss of Luggage: Up to RM5,000

    Medical Expenses Benefits

    • Overseas Medical Expenses: Up to RM50,000

    Eligibility Criteria

    Age:

    • Principal Card: 21 years and above
    • Supplementary Card: 18 years and above (immediate family members only)

    Annual Income:

    • Allianz Insurance Gold Card: RM24,000
    • Allianz Insurance Platinum Card: RM60,000
    • CIS Card: RM24,000
    • Classic Card: RM24,000
    • CPA Australia Card: RM24,000
    • Gold Card: RM24,000
    • Platinum Card: RM60,000
    • Visa Infinite Card: RM150,000

    Required Documents

    For Salaried Applicants

    MNC/PLC

    • Copy of MyKad/NRIC (front and back) or valid Passport
    • Any one of documents mentioned below:
    • Latest Salary Slip (1 month)
    • Latest EPF Statement
    • Latest EA Form
    • Latest Borang BE (with tax receipt or bank slip)

    Non-MNC/PLC

    • Copy of MyKad/NRIC (front and back) or valid Passport
    • Latest Salary Slip (3 months)
    • Latest Bank Statement (3 months) or
    • Latest Borang BE (with tax receipt or bank slip)

    For Self Employed

    Partnership/Sole Proprietor

    • Copy of MyKad/NRIC (front and back) or valid Passport
    • Business Registration Form with Form D or Form 9,24 and 49
    • Any one of documents mentioned below:
      • Latest EPF Statement (with a listing of six monthly contributions)
      • Latest Bank Statement (6 months)
      • Tax Return Form (with the tax receipt)

    For Non-Malaysians

    • Copy of valid working permit (minimum validity for 1 year from the application date)
    • Any other documents required by the bank apart from those stated above.

    Fees and Charges

    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)

    Activation or Cancellation

    Your card will be blocked for 90 days once issued. You need to activate your card immediately to avoid any disruption in payments.

    Phone Activation

    • Call 03 5516 9988 to activate your PIN-enabled credit card.

    Online Activation

    • Log in to Alliance Bank online banking.
    • Click on “Activate Credit Card”.
    • Submit the online activation form after keying the relevant information.

    Card Statement

    You will receive your card statement through post each month. You can switch to e-statement easily if you prefer.

    Online Banking

    • You can view your e-statement via allianceonline.
    • Sign up for Alliance online banking.
    • Log in to online banking portal.
    • Select “e-statement”.
    • Choose the desired account.
    • Select the statement period by month or year.
    • Click on download to view your statement.

    Email

    • You need to subscribe to receive your e-statement through email.
    • Call the contact centre at 03 5516 9988 to subscribe.

    Security Features

    Visa Checkout

    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.

    • Add your Visa credit card details once to enrol in this programme.
    • Check for the Visa Checkout Button when you are shopping online.
    • Enter your email id and password.
    • Confirm your transaction.

    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.

    • Activate your PIN-enabled credit card.
    • Create a 6-digit PIN through online banking.
    • Use the PIN to make card purchases at POS terminals across Malaysia.

    Lost Card Liability

    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.

    • No fraudulent activity on your part
    • No delay in informing the bank about the loss of theft of your card
    • Not voluntary disclosing your PIN to a third party
    • Not writing down your PIN on your card
    • Not leaving your card unattended in places visible or accessible to others
    • Not allowing anyone else to use your card

    Increase or Decrease Credit Limit

    Temporary Credit Limit Increase

    This is allowed only for overseas travel and hospitalisation purposes.

    • Call 03 5516 9988 (Contact Centre) to temporarily increase your credit limit.

    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.

    • Download the “Permanent Credit Limit Increase” form available on the bank website.
    • Complete it with relevant information.
    • Attach supporting income proof.
    • Forward the completed form and supporting documents to info@alliancefg.com or
    • Submit the completed form along with supporting documents at your nearest branch.

    Frequently Asked Question’s

    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.

    • Telephone: 03 5516 9988
    • Fax: 03 5621 5624
    • Website: www.alliancebank.com.my
    • Email: info@alliancefg.com

    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.

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