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    Alliance Bank Allianz Insurance Gold

    Alliance Bank Allianz Insurance Visa Card Gold is a credit card designed exclusively for the employees of the Allianz General Insurance Company (Malaysia) Berhad (AGIC). The credit card comes with an annual membership waiver and offers a cash rebate to the cardholders on their monthly expenditure. Below are the features and the benefits of Alliance Bank Allianz Insurance Visa Card Gold:

    Features

    • There is no annual fee charged to the cardholders.
    • No fee is required to pay for the lost card once the cardholder has reported the loss.
    • Different plans like Balance Transfer Plan (BTP) and Flexible Payment Plan are available to the cardholder’s benefit.
    • The credit card is convenient for online payments and transactions.

    Benefits

    • The cardholders can get up to 1.2%  cash rebate on their monthly spending at AGIC with the card.
    • 20- Day interest- free period is offered to the cardholders on their transactions.
    • The cardholders can enjoy a low interest rate of 6% p.a. on their dues with the balance transfer plan.  

    Eligibility Criteria:

    Following are the eligibility parameters to get the Alliance Bank Allianz Insurance Visa Card Gold credit card:

    • The cardholder needs to be an agent or member of the Allianz General Insurance Company (AGIC), Malaysia to apply for the credit card.
    • The cardholder’s income should be at least RM24,000 p.a.
    • Minimum age of primary cardholder should be at least 21.
    • Minimum age of supplementary cardholder should be at least 18.

    Fees and Charges:

    Types of Fees Charges
    Annual Fee – Principal Card Waived throughout the tenure
    Annual Fee - Supplementary Card Waived throughout the tenure
    Late Payment Fee RM10 or 1% whichever is higher of outstanding amount (up to maximum of RM100)
    Cash Withdrawal Limit Up to 100% of the cardholder’s prescribed credit limit
    Cash Advance Charges RM15.90 or 5.30% of withdrawn sum, whichever is higher amongst the two, per transaction
    Minimum Monthly Payment Whichever is higher amongst RM50 or 5% of outstanding balance
    Finance Charges (Retail Purchases) 15% p.a. (if prompt repayment is done for 12 out of 12 months) 17% p.a. (if prompt repayment is made for 10 out of 12 months) 18% p.a. (if none of the above criteria are met by the cardholder)
    Minimum Credit Limit NA
    Interest Rate on Cash Withdrawal 18%
    Overseas transaction conversion Rate Transactions made in foreign currency will be converted to Ringgit Malaysia at the conversion rate and charges as determined by MasterCard or Visa. It includes 1% foreign exchange conversion charged by Alliance Bank
    Interest free period 20 days
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