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    Alliance Bank Allianz Insurance Platinum

    Alliance Bank Allianz Insurance Visa Card Platinum Credit Card exclusively caters to the employees of the Allianz General Insurance Company (Malaysia) Berhad (AGIC). The credit card offers an annual membership fee waiver for life to the cardholders. It also provides a cash rebate on their monthly expenditure. Here are the features and the benefits of Alliance Bank Allianz Insurance Visa Card Platinum:

    Features

    • The credit card comes with an annual fee waiver for life.
    • On reporting the loss, the cardholder does not have to pay for card retrieval.
    •  The credit card gets recognition and acceptance across the world.
    • Plans like Balance Transfer Plan (BTP) and Flexible Payment Plan are available through the credit card.

    Benefits

    • On their monthly expenditures with the credit card, the cardholders can get up to 1.2% of cash rebates when used at AGIC.
    • The annual membership fee is waived throughout the tenure of the credit card, be it principal or supplementary card.  
    • The cardholders can enjoy a 20- Day interest- free period on their transactions.
    • With the balance transfer plan, the cardholders can enjoy a low interest rate of 6% p.a. on their dues.  
    • Cardholders can enjoy a cash advance withdrawal of up to 100% on their credit limit.

    Eligibility Criteria:

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

    • To apply for the credit card, the cardholder has to be the agent or member of the Allianz General Insurance Company (AGIC), Malaysia.
    • The cardholder’s per annum income should be at least RM60,000.
    • Primary cardholder should be of least 21 years of age.
    • Supplementary cardholder should be of least 18 years of age.

    Fees and Charges:

    Types of Fees Charges
    Annual Fee – Principal Card Waived through the tenure
    Annual Fee - Supplementary Card Waived through the tenure
    Late Payment Fee RM10 or 1% whichever is higher of outstanding amount (subject 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    Cash Advance Charges RM15.90 or 5.30% of withdrawn sum, whichever is higher amongst the two, per transaction
    Finance Charges (Retail Purchases) 15% p.a. (if repayment is done for 12 out of 12 months) 17% p.a. (if repayment is made for 10 out of 12 months) 18% p.a. (if none of the above criteria are met by the cardholder)
    Minimum Monthly Payment Whichever is higher amongst RM50 or 5% of outstanding balance
    Minimum Credit Limit NA
    Interest Rate on Cash Withdrawal 18% p.a.
    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
    Sales draft retrieval copy RM21.20 per copy
    Copy of statement fee RM5.30 per copy
    Card Replacement Penalty No penalty is charged on the loss of the card. Immediate reporting is required
    Finance charges free period 20 days
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