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    Alliance Bank Chinese Independent Schools Gold Card

    There’s more to life than just accumulating wealth and whiling away time as it comes. With the Alliance Bank CIS Credit Card, you can earn multiple reward points on all your retail spends. What sets it apart is that you can pledge the points you earn and make a difference in the society.

    The major highlights of this card are:

    • Earn Timeless Bonus Points on all retail transactions.
    • Choose to pledge half or the whole of all points you’ve earned.

    Best Suited for

    • Retail shoppers.

    Key Features and Benefits

    Features/Benefits Description
    Rewards for all retail purchases Earn 1 Timeless Bonus Point for every RM1 you spend

    Other Benefits

    • The principal card’s annual fees can be waived every year with a minimum spend of RM5,000 p.a. or at least 12 swipes in a year.
    • Get the choice of contributing 50% or 100% of the points you earn every month to a Chinese Independent School that you choose.
    • Points for selective CIS can be pledged every month through the auto-debit feature to your Alliance Bank credit card.
    • Get access to an exclusive customer service hotline for card-related assistance.
    • Withdraw cash up to 100% of your available credit limit with the Cash Advance facility.

    How can You Earn Timeless Bonus Points?

    Here’s a table showing all information that you need to earn Timeless Bonus Points with your Alliance Bank CIS Credit Card:

    Spending Category Number of Timeless Bonus Points
    Retail spends Earn 1 TBP for every RM1 spent

    Balance Transfer Plan

    When you need to consolidate all your credit card debt onto a single card, you can use your Alliance Bank CIS Credit Card. With the Balance Transfer feature of this card, you can transfer outstanding balances that you have on other banks’ cards to your Alliance Bank credit card.

    That’s not all. You can pay off this amount at a low interest rate over flexible repayment periods. Here’s a table showing details of this plan:

    Minimum Transfer Amount Repayment Periods Interest Rate
    RM1,000 12 months 6.99% p.a.
    RM1,000 18 months 6.99% p.a.
    RM1,000 24 months 7.99% p.a.

    Fast Cash Plan

    The Fast Cash facility on your Alliance Bank CIS Credit Card works as an ideal cover when you need extra cash in a short period of time. The minimum withdrawal you can make is RM1,000. You can also choose from multiple repayment tenures that go up to 36 months.

    Here’s a table with all information related to this plan:

    Minimum Transaction Amount Repayment Periods Interest Rate
    RM1,000 12 months 6.99% p.a.
    RM1,000 24 months 7.99% p.a.
    RM1,000 36 months 7.99% p.a.

    Eligibility Criteria

    Principal Cardholder: Minimum Age Requirement 21 years
    Supplementary Cardholder: Minimum Age Requirement 18 years
    Minimum Income Requirement RM24,000 p.a.

    Documents Required

    Type of Applicant Mandatory Documents That You Need
    Salaried professionals (MNCs/PLCs)
    • Copy of NRIC (both sides) or a valid passport
    • Last 1 month’s salary slip, or
    • Latest EA form, or
    • Latest EPF Statement, or
    • Latest Borang BE with official tax receipt/bank-in slip
    Salaried professionals (Non MNCs/PLCs)
    • Copy of NRIC (both sides) or a valid passport
    • Last 3 months’ salary slip
    • Last 3 months’ bank statement showing salary being credited
    • Latest EPF Statement, or
    • Latest Borang BE with official tax receipt/bank-in slip
    Self-employed individuals
    • Copy of NRIC (both sides) or a valid passport
    • Last 6 months’ bank statement
    • Business Registration Form and Form D or Form 9, 24, 49
    • Latest EPF Statement, or
    • Tax return form with official tax receipt

    If you’re a foreign national working in Malaysia, you can still apply for the Alliance Bank CIS Credit Card by providing a copy of your work permit. The remaining validity period for this work permit should be a minimum of one year from the date of application.

    How Do You Apply?

    Channel of Application Procedure
    Offline If you wish to do things in person, just drop by the nearest Alliance Bank branch and fill out the specific card’s application form. Submit this form along with all mandatory documents as specified by the bank. You can also get in touch with the bank’s customer service department if you need further assistance.
    Online For a convenient and hassle-free application process, visit Alliance Bank’s official website. Use the navigation menu to find the correct credit card page. Click on “Apply Now” and fill out the online application form that’s shown. Submit this form and upload all the documents as requested by the bank.

    Fees and Charges

    Type of Fees Charges
    Interest Rates 15% p.a. – 18% p.a.
    Annual Fees – Principal Card RM148.
    Annual Fees – Supplementary Card RM30.
    Minimum Monthly Repayment The higher amount between 5% of the total outstanding balance and RM50.
    Late Payment Charges The higher amount between 1% of the total outstanding balance and RM10. This charge can go up to a maximum of RM100.

    Promotions

    As an Alliance Bank CIS Credit Card holder, you can enjoy some exclusive alliance bank card promotions, such as:

    • Enjoy a discount of 50% when you redeem Timeless Bonus Points that you’ve earned with your Alliance Bank CIS Credit Card on the Alliance One Bank Rewards Centre.
    • Get a cash rebate worth RM30 when you pay your credit card bill online through your Alliance Current or Savings Account. Offer is valid until 31 July 2018.

    The Alliance Bank CIS Credit Card is ideal for all those who wish to be rewarded for their retail transactions while giving something back to the community. What’s more? You can choose to redeem your reward points for lifestyle products, such as electronic gadgets, home appliances, outdoor gear as well as gift vouchers.

    Frequently Asked Question’s

    Q. What payment modes can I choose from to pay my Alliance Bank credit card bill?

    A. To pay your Alliance Bank credit card bill on time, you can choose from multiple payment modes, such as:

    • Payment by cash or cheque at bank branches
    • Standing instructions
    • ATMs
    • Internet banking platform
    • MEPS Interbank GIRO at participating financial institutions
    • Cheque Xpress or a Cash Deposit Machine

    Q. Is there an interest-free period for retail transactions made with this card?

    A. Yes. Retail transactions made with the Alliance Bank CIS Credit Card are eligible for an interest-free period of 20 days from the statement date. The interest-free period is valid only if the entire card balance from the previous month is paid in full.

    Q. How can I redeem Timeless Bonus Points that I’ve earned with my Alliance Bank credit card?

    A. There are three main ways to redeem your Timeless Bonus Points:

    • Calling 03-5516 9988.
    • Sending a redemption request by email.
    • Sending a redemption request through a facsimile transmission or by fax.

    Q. How long does it take for you to deliver rewards that I’ve got through TBP redemptions?

    A. All rewards that are obtained through TBP redemptions will be delivered to your billing address within 21 working days of receiving the redemption request. In case of a change in the delivery address, you’ll be charged a redirection postage fee according to the delivery region.

    Q. Can I earn Timeless Bonus Points on Balance Transfer transactions?

    A. Yes. For every RM10,000 that’s transferred with the Balance Transfer facility on your Alliance Bank CIS Credit Card, you can earn 500 Timeless Bonus Points.

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