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    Alliance Bank CPA Australia Gold Card

    Alliance Bank CPA Australia Mastercard offers exclusive privileges and benefits for Malaysians who are members of CPA Australia. Enjoy instalments plans without any profit rates for your CPA exam fees.

    The main highlights of the card are:

    • Get an annual fee waiver on your principal and supplementary card.
    • Convert your CPA exam fees into a 0% instalment plan.

    Best Suited for:

    • Members of CPA Australia.

    Key Features and Benefits

    Type of Fees charges
    Annual Fee Principal card: Waived for entire period of CPA Australia membership Supplementary card: Waived for entire period of CPA Australia membership
    Rewards Points Timeless Bonus Points
    Air Miles Enrich Miles with Malaysian Airlines
    Profit-free Period 20 days from the statement date
    Payment Mode Cash, cheques, standing instructions, cash deposit machines, internet banking, ATMs, MEPS IBG, and Cheque Xpress

    Other Benefits:

    • Withdraw cash of up to 100% of your credit limit.
    • Get 24/7 customer service assistance.
    • Enjoy exclusive discounts at participating merchants.
    • Card comes with worldwide acceptance and recognition.
    • Earn Timeless Bonus Points on all retail transactions excluding government and petrol expenses.

    How to Earn Rewards Points

    • Use your card to pay for all local and overseas retail purchases.
    • Accumulate points, and redeem them for air miles or other gifts from the redemption catalogue.

    Fast Cash Programme

    • Withdraw cash up to 80% of your credit limit.
    • Choose repayment tenure of 12, 24, or 36 months.
    • Pay profit rates starting from 6.99% p.a. to 7.99% p.a. to repay the withdrawn cash.
    • Withdraw a minimum of RM1,000 across all plans.
    Tenure Profit  Rate Minimum Amount
    12 months 6.99% p.a. RM1,000
    24 months 7.99% p.a. RM1,000
    36 months 7.99% p.a. RM1,000

    Balance Transfer Plan

    • Transfer your outstanding balance from other credit cards to this card.
    • Choose from 3 different plans.
    • Pay profit rates starting from 6.99% p.a. to 7.99% p.a.
    • Earn 500 Timeless Bonus Points for every transfer of RM10,000.
    Tenure Profit Rate Minimum Amount
    12 months 6.99% p.a. RM1,000
    24 months 6.99% p.a. RM1,000
    36 months 7.99% p.a. RM1,000

    Eligibility Criteria

    Minimum Age Principal card: 21 years Supplementary card: 18 years
    Minimum Income Principal card: RM24,000 p.a. Supplementary card: Not applicable

    Documents Required

    • Copy of NRIC (both sides) or valid passport
    • Form D and business registration form, or
    • Form 9, 24, and 49
    • Any one of:
    • Latest EPF statement (less than 3 months old with minimum 6 monthly contributions)
    • Latest bank statement (6 months)
    • Tax Return Form (with tax receipt)
    Type of Applicants Mandatory Documents That You Need
    Salaried Applicants For MNC/PLC:
    • Copy of NRIC (both sides)
    • Latest payslip (1 month), or
    • Latest Form EA, or
    • Latest EPF statement, or
    • Latest Borang BE (with tax receipt or bank slip)
    For non-MNC/PLC:
      Copy of NRIC (both sides), or valid passport Latest payslip (3 months) Latest bank statement (3 months), or Latest EPF statement, or Latest Borang Be ((with tax receipt or bank slip)
    Self-employed Applicants

    How to Apply

    Channel of Application Procedure
    Online Application Fill up the online enquiry form. Submit the form for a bank representative to contact you to assist with the application process.

    Fees and Charges

    Type of Fees Charges
    Annual Fee Principal card: Waived for entire period of CPA Australia membership Supplementary card: Waived for entire period of CPA Australia membership
    Finance Charges 15% p.a. to 18% p.a.
    Cash Advance Charge 18% p.a.
    Cash Advance Fee 5% of advanced amount or RM15 (whichever is higher)
    Overseas Transaction Fee 1% and any transaction fee charged by Visa or Mastercard
    Duplicate Statement RM5 (per statement)
    Card Replacement RM50 (per card)
    Standing Instruction RM10 (stamping fee)
    Retrieval of Sales Draft RM20 (per copy)
    Courier Charges Peninsular Malaysia: RM5.50 East Malaysia and Singapore: RM15.40
    Late Payment 1% of total outstanding or RM10 (whichever is higher) Maximum is RM100

    Promotions

    • Convert your local or overseas retail purchases into a 3-month instalment plan through the 0% Flexi Payment Plan. This promotion is valid until 30 September 2018.
    • Get cash rebate of RM30 by paying for your card bill through fund transfer from your Alliance savings or current account. This promotion is valid until 31 July 2018.
    • Enjoy 0% 6-month Balance Transfer Flexi Plan for new cardholders only with a minimum transfer amount of RM3,000. This promotion is valid until 30 January 2019.

    The Alliance Bank CPA Australia Card is designed for those who are members of CPA Australia. This card offers you an annual fee waiver for your entire term at CPA Australia. You can also convert your CPA exam fee into a 0% instalment plan with the card.

    Frequently Asked Question’s

    Q. Are there any terms for supplementary cards?

    A. Supplementary cards are offered to immediate family members only.

    Q. Can non-Malaysians apply for this card?

    A. Yes. Non-Malaysians can apply for this card. A current working permit with minimum 1-year validity from the application date is required, and should be submitted along with other required documents at the time of application.

    Q. What is the validity of the rewards points?

    A. The rewards points offered on this card have no expiry date.

    Q. Can I exchange the rewards points for cash?

    A. No. The Timeless Bonus Points cannot be transferred and exchanged for cash.

    Q. Is there a profit-free period for cash advance?

    A. No. There is no profit-free period for cash advance. The finance charges are applicable from the date you withdraw cash on your card.

    Q. Can I settle the balance transfer plan before the tenure ends?

    A. Yes. You can settle your balance transfer plan before the tenure ends.

    Q. Is there a penalty charge for early settlement of balance transfer plans?

    A. No. There is no penalty imposed for early settlement of balance transfer plans.

    Q. Whom should I contact if I have any queries about my card?

    A. You can contact the customer service department at 03 5516 9988 for any queries regarding your card.

    Q. What are the terms for profit rate-free period?

    A. You get a 20-day profit rate-free period on your retail transactions only if you have fully paid the bill for retail transactions in the previous month. If you have made only partial or minimum payment, then you have to pay the finance charges from the date you make a retail transaction. 

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