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    Alliance Bank Gold Card

    Alliance Bank Gold Credit Card offers rewards points on all your retail and utility transactions. Earn double rewards points for overseas retail expenses and utility bills with this card. It allows you to redeem your rewards points for air miles or other products, and gift vouchers from the rewards catalogue.

    The main highlights of this card are:

    • Earn rewards points on all local and overseas retail transactions.
    • Enjoy an annual fee waiver by fulfilling the conditions imposed by Alliance Bank.

    Best Suited for:

    • Those who use their card for retail transactions.
    • Those who use their card for overseas travel and shopping.

    Key Features and Benefits

    Feature/Benefits Description
    Annual Fee Principal card: RM148 Supplementary card: RM30 Waived on both cards for a minimum spend of RM5,000 or 12 swipes within 12 months
    Rewards Points 2x Timeless Bonus Points for every RM1 spent  on overseas retail transactions 2x Timeless Bonus Points for every RM1 spent on utility transactions 1x Timeless Bonus Points for every RM1 spent on local retail transactions
    Air Miles 1000 Enrich Miles for every 6000 Timeless Bonus Points 1000 AirAsia BIG Points for every 3000 Timeless Bonus Points
    Instalment Plan 0% profit rate at participating merchant outlets
    Profit Rate-free Period 20 days
    Payment Mode Cheques, cash, cash deposit machines, standing instructions, internet banking, Cheque Xpress, ATMs, and MEPS IBG

    Other Benefits:

    • Enjoy exclusive offers and privileges at selected merchant outlets.  
    • Withdraw cash up to 100% of your available credit limit.
    • Enjoy zero liability for lost card when you report the loss on time.
    • Get customer service assistance at all times.

    How to Earn Rewards Points

    • Use your card to charge all airline tickets.
    • Pay for any retails transactions across Malaysia and overseas using your card.
    • Pay your utility bills using your card.
    • Accumulate your points and redeem them for gifts, products, or air miles.

    Balance Transfer Plan

    • Transfer your outstanding dues on other banks’ credit cards to this card.
    • Choose from 3 different plans as per your preference.
    • Earn 500 Timeless Bonus Points for every balance transfer of RM10,000.
    Tenure (months) Minimum Amount Profit Rate (% p.a.)
    12 RM1,000 6.99
    24 RM1,000 6.99
    36 RM1,000 7.99

    Fast Cash Programme

    • Withdraw cash as per your financial needs up to 80% of your available credit limit.
    • Choose from 3 different repayment plans.
    • Withdraw a minimum of RM1,000.
    Tenure (months) Minimum Amount Profit Rate (% p.a.)
    12 RM1,000 6.99
    24 RM1,000 7.99
    36 RM1,000 7.99

    Eligibility Criteria

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

    Documents Required

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

    How to Apply

    Channel of Application Procedure
    Online Application Fill up the online enquiry form available on Alliance website Submit the form An Alliance Bank representative will contact you to help you with the card application process

    Fees and Charges

    Type of Fees Charges
    Annual Fee Principal card: RM148 Supplementary card: RM30 Waived on both cards for a minimum spend of RM5,000 or 12 swipes within 12 months
    Finance Charges 15% p.a. to 18% p.a.
    Late Payment 1% of total outstanding amount or RM10 (whichever is higher) Maximum is RM100
    Cash Advance Fee 5% of advanced amount or RM15 (whichever is higher)
    Cash Advance Charge 18% p.a.
    Overseas Transaction Fee 1% and any transaction fee charged by Visa or Mastercard
    Card Replacement RM50 (per card)
    Duplicate Statement RM5 (per statement)
    Retrieval of Sales Draft RM20 (per copy)
    Standing Instruction RM10 (stamping fee)
    Courier Charges Peninsular Malaysia: RM5.50 East Malaysia and Singapore: RM15.40

    Promotions

    • Enjoy RM30 cash rebate when you pay your credit card bill by transferring funds from your Alliance Bank current or savings account. This promotion is valid until 31 July 2018.
    • Enjoy 0% 6-month Balance Transfer Flexi Plan for new cardholders only. The minimum transfer amount is RM3,000. This promotion is valid until 30 January 2019.
    • Enjoy a 0% 3-month Flexi Payment Plan on your local or overseas retail purchases. This promotion is valid until 30 September 2018.

    The Alliance Bank Gold Card is especially designed to offer more rewards points on all retail transactions especially overseas retail purchases. Earn rewards points on any of your utility bills as well. Enjoy other exclusive privileges offered by Visa International or Mastercard across Malaysia and overseas.

    Frequently Asked Question’s

    Q. Who can be included as supplementary cardholders for this card?

    A. Only your immediate family members can be included as supplementary cardholders.

    Q. Can I use the cash deposit machine or Cheque Xpress at any regional branch?

    A. No. The Cheque Xpress facility and cash deposit machines are available only at selected regional branches only. Check on Alliance Bank website for more information on such branches.

    Q. Can I pay my card bill through standing instruction via any savings account?

    A. You can pay your bills through standing instructions only via Alliance Bank savings or current account.

    Q. Is the profit rate-free period available for all transactions?

    A. No. The profit rate-free period is available only on retail transactions. Transactions such as, cash advance, instalment plan and balance transfer are excluded for this facility.

    Q. Can I earn reward points on all retail transactions?

    A. Yes. You can earn rewards points on all retail transactions except petrol or government transactions.

    Q. Can I use this card anywhere in the world?

    A. Yes. This card comes with worldwide recognition and acceptance.

    Q. Whom should I contact for any assistance or queries regarding my card?

    A. You can contact the customer service number at 03 5516 9988 for any queries related to your card. You can also visit your nearest branch and speak to a bank official for any assistance. 

     

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