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    Alliance Bank Allianz Insurance Gold

    Alliance Bank Allianz Insurance Visa Gold Card is designed exclusively for the Allianz General Insurance Company’s (AGIC) employees and agents. The card earns you cash rebate on expenditure associated with AGIC on a monthly basis.

    Here are the major highlights of this card:

    • Cash rebate of 0.3% on monthly transactions related to AGIC.
    • Free annual membership for the entire tenure of both principal and supplementary cards.

    Best suited for:

    • Employees of AGIC.
    • Agents of AGIC.

    Key Features and Benefits

    Features/Benefits Description
    Cash rebate on AGIC transaction 0.3% every month
    Annual fee waiver Lifetime annual fee waiver for both primary and supplementary card
    Cash advance limit Up to 100% of the credit limit
    Interest-free period 20 days from the date of statement release
    Accessibility Mobile banking, internet banking, and over-the-counter (OTC)

    Other Benefits

    • Use your card anywhere - locally and overseas.
    • Make easy payments via the following convenient modes of payment:
      • ATMs
      • Internet banking via ‘allianceonline’
      • Cash Deposit Machines (CDMs) and Cheque Xpress at selected branches
      • Via standing instructions placed on savings or current account
      • MEPS IBG at any participating financial institution
      • Via cash or cheque at any Alliance Bank branch across the nation
    • Consolidate your existing debts via the balance transfer facility.

    Balance Transfer Plan

    You can use the Balance Transfer Plan to transfer outstanding balances of other banks’ cards to your Alliance Bank card. Consolidate your existing debts via this facility and make repayments over flexible tenures. The facility comes with a competitive range of interest rates. Let’s take a look at the details of this plan:

    Available Tenures (in months) Minimum Transfer Amount Interest Rate (p.a.)
    12 RM1,000 6.99%
    18 RM1,000 6.99%
    24 RM1,000 7.99%

    Fast Cash Plan

    The Fast Cash Plan associated with your Alliance Bank card helps you get a financial flexibility with an easy access to excess funds. The scheme allows you to make repayments over a period of up to 36 months. You can get a minimum of RM1,000 with this scheme at a range of competitive interest rates. Here are the details of the Fast Cash Plan:

    Repayment Tenures Available Minimum Obtainable Amount Interest Rate (p.a.)
    12 months RM1,000 6.99%
    24 months RM1,000 7.99%
    36 months RM1,000 7.99%

    Eligibility Criteria

    Age Requirement for Principal Card 21-65 years
    Age Requirement for Supplementary Card 18-65 years
    Income Requirement RM24,000 p.a.

    Documents Required

    Type of Applicant Documents Required
    Salaried applicants working for MNCs and PLCs
    • One copy of NRIC (both sides), or passport.
    • Salary slip for the last month, or
    • Latest EPF statement, or
    • Latest EA form, or
    • Latest Borang BE with the official tax payment receipt or bank-in slip.
    Salaried applicants working for Non-MNCs/PLCs
    • A copy of NRIC (both sides) or passport.
    • Salary slips for the 3 recent months.
    • Bank statements for the 3 recent months showing the salary crediting amount, or
    • Latest EPF statement, or
    • Latest Borang BE with the official tax payment receipt or bank-in slip.
    Self-employed Individuals
    • One copy of NRIC (both sides) or passport.
    • Form D and business registration form, or
    • Form 9, 24, and 49.
    • Tax return form with the tax payment receipt, or
    • Bank statements for the latest 6 months, or
    • Latest EPF statement that is less than 3 months old at the time of application with a minimum of 6 monthly contributions.
    Non-Malaysian Applicants
    • A copy of passport.
    • A copy of work permit that is valid for a minimum of 1 year from the date of application.

    How to Apply

    Channel of Application Procedure
    Online application
    • Visit Alliance Bank’s official website.
    • Choose your card and click on ‘Apply Now’.
    • Submit the application form with the required details.
    • Upload all the documents that are required for the process.
    Offline application
    • Visit your nearest Alliance Bank’s branch.
    • Select your card and fill up the application form.
    • Submit the supporting documents along with the filled up and duly signed application form.

    Fees and Charges

    Type of Fees Charges
    Annual fee (principal card) No charge.
    Annual fee (supplementary card) No charge.
    Retail interest rate 15-18% p.a. on the basis of repayments made during the last 12 months.
    Cash advance interest rate 18% p.a. calculated on a daily basis from the date of transaction.
    Cash advance fee 5.3% of the amount withdrawn or RM15.90, whichever is higher.
    Monthly repayment instalment 5% of the balance due or RM50, whichever is higher.
    Late payment charges A minimum of RM10 or 1% of the balance due, whichever is higher (maximum of RM100).
    Overseas transaction fee Conversion rate charges are determined by Visa International plus 1% foreign exchange conversion spread charged by Alliance Bank.

    Promotions

    • Use your card to make retail purchases worth RM500 or more and make the repayments in the form of easy and affordable monthly instalments at 0% p.a. The tenure for this promotional offer is 3 months. The offer is valid till 30 September 2018.
    • Transfer outstanding balances from your credit cards from other banks on to your Alliance Bank credit card with the use of the 0% Balance Transfer Plan. The promotion is valid for transfers worth RM3,000 or more and the maximum repayment tenure associated with the promotion is 6 months. The facility is open to new balance transfer applicants and new cardmembers only.

    Alliance Bank Allianz Insurance Gold Card is available only for agents and employees of AGIC. The card earns you cash rebates on all transactions related to AGIC and comes with a lifetime annual fee waiver for both primary and supplementary cards.

    Frequently Asked Question's

    Q. Is there a minimum income requirement for supplementary cardholders too?

    A. No, there’s no minimum income requirement for supplementary cardmembers.

    Q. Can I get a finance charge-free period for cash advances too?

    A. No, the cash advances made on the card do not come with a finance charge-free period.

    Q. Is there a fee I need to bear if I settle the outstanding balance of the BT plan or the Fash Cash Plan before the repayment tenure ends?

    A. No, you will not be charged with an exit fee if you settle the balances of these facilities before their maturity.

    Q. What should I do if my Alliance Bank card gets stolen or lost?

    A. You are required to inform Alliance Bank immediately if your card gets stolen in order to prevent any fraudulent activity. The bank will issue a new card to you after blocking your stolen/lost card.

    Q. How much does a card replacement cost?

    A. A card replacement will charge you with a fee of RM50.

    Q. Will I be liable to the transactions made on my stolen/lost card?

    A. Once you report the stolen card, you will not be held liable to any transaction made on it.

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