Alliance Bank Chinese Independent Schools Gold Card

    Alliance CIS Card is a co-branded credit card offered by Alliance Bank. You can earn Timeless Bonus Point on this card. You also get annual fee waiver every year on this card.


    • This card is accepted around the world.
    • When you report the lost card, you will not be liable for the purchases that were made after reporting the card.
    • You can avail Instalment Payment Plan at the participating merchant outlets.
    • You get exclusive discounts at the participating merchant outlets.
    • You can earn Timeless Bonus Points on your retail purchases.
    • You get a choice of pledging 100% or 50% of your Timeless Bonus Points.
    • You can also make a monthly pledge of RM10 through auto-debit to your Alliance Bank CIS Card.
    • You get a dedicated customer service assistance.
    • You get 20 days interest-free period provided you pay the balance in full.
    • You can transfer the balance from another credit card to this credit card.


    • The annual fees are waived if you spend a minimum of RM5,000 or swipe the card 12 times in a year.
    • Supplementary credit cards are offered for immediate family members who are above 18 years old.
    • The payments can be made through standing instructions, cash, cheque, ATM, internet banking, or at MEPS IBG.
    • You can earn Timeless Bonus Points, which do not expire.
    • You won’t be charged any exit fee if you settle the balance of Balance Transfer or Fast Cash before its maturity.
    • You can withdraw cash up to 100% of your credit limit.
    • For every RM1 spent on this card, you can earn 1 Timeless Bonus Point.

    Eligibility Criteria

    • Minimum income – RM24,000 p.a.
    • You must be at least 21 years old.
    • Supplementary cardholder must be at least 18 years old.

    Fees and Charges

    Types of Fees Charges
    Annual fee – Principal card RM156.88.
    Annual fee – Supplementary card RM31.80.
    Finance charge on cash advance 18% p.a.
    Finance charge on purchases 15% p.a. – 18% p.a.
    Finance charge on balance transfer 18% p.a.
    Lost card replacement fee RM50
    Sales draft retrieval fee RM21.20 per copy.
    Overseas transaction administrative charges Rate determined by Visa or MasterCard plus 1% administration fee.
    Minimum monthly payment RM50 or 5% of the outstanding amount.
    Late payment fee 1% of the amount due or RM10, whichever is higher.
    Cash advance limit Up to 80% of the credit limit on your card.
    Cash advance fee RM15.90 or 5.3% of the amount, whichever is higher.
    Additional statement request fee RM5.30 per copy.
    Early settlement fee on balance transfer Nil.
    Early settlement fee on Fast Cash Nil.
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