Alliance Bank CPA Australia Gold Card

    CPA Australia MasterCard by Alliance Bank is a Malaysian CPA Australia-centred credit card. The card comes with exclusive benefits for CPA Australia members. Coming along with never expiring Timeless Bonus Points, this card is widely accepted and recognised.


    • The card comes with a complimentary supplementary card.
    • The card has an annual fee waiver for both principal as well as the supplementary card throughout the CPA Australia Membership.
    • The cardholder can withdraw 100% of the credit limit in form of cash.
    • The card also comes with a 20 days interest-free period.
    • The card members can also enjoy the Timeless Bonus Points that last forever and never expire.


    • The cardholders can convert their CPA exam fee into the 0% Instalment Payment Plan that lets them pay the exam fee in equal monthly instalments.
    • The Timeless Bonus Points can be earned with every local and overseas retail transaction.
    • If the cardholder reports the lost/stolen card, he is not liable to pay anything charged on the card.
    • The card is accepted and recognised globally.
    • The card can be used for AirAsia BIG Points and Enrich Miles redemption.

    Eligibility criteria

    The eligibility criteria for CPA Australia MasterCard - Alliance Bank is given below:

    • Age requirement for the applicants for the principal card: 21 years or above
    • Age requirement for the applicants for the supplementary card: 18 years or above
    • Minimum income requirement of the applicant: RM20,000 p.a.

    Fees and charges

    Types of Fees Charges
    Annual fees – Principal card The annual fee for both the principal and supplementary card is waived for the duration of CPA Australia membership.
    Minimum monthly repayment The minimum monthly repayment is at least RM50 or 5% of the total amount due, whichever is higher.
    Finance charge on retail purchases The finance charge on the retail purchases varies from 15-18% p.a. and it strictly depends upon the pattern the user has made the repayment in last 12 months.
    Finance charge on cash advance Finance charge on cash advance is 18% p.a.
    Late payment charges At least RM10 or 1% of the total outstanding balance, whichever is higher. This amount is capped at RM100.
    Cash advance fee 5.30% of the cash withdrawn of at least an amount of RM15.90 will be charged for every cash withdrawal.
    Overseas transaction conversion fee Transactions that are carried out in currencies other than Malaysian Ringgit will be converted into Malaysian Ringgit at an exchange rate determined by MasterCard International and this will be added to 1% such fee charged by Alliance Bank.
    Card replacement fee RM50 will be charged for every card replacement.
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