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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:
Best suited for:
Key Features and Benefits
|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)|
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.)|
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.)|
|Age Requirement for Principal Card||21-65 years|
|Age Requirement for Supplementary Card||18-65 years|
|Income Requirement||RM24,000 p.a.|
|Type of Applicant||Documents Required|
|Salaried applicants working for MNCs and PLCs||
|Salaried applicants working for Non-MNCs/PLCs||
How to Apply
|Channel of Application||Procedure|
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|Cash advance fee||5.3% of the amount withdrawn or RM15.90, whichever is higher.|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.|
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.
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.