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:
Best Suited for:
| 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 |
| Tenure (months) | Minimum Amount | Profit Rate (% p.a.) |
|---|---|---|
| 12 | RM1,000 | 6.99 |
| 24 | RM1,000 | 6.99 |
| 36 | RM1,000 | 7.99 |
| Tenure (months) | Minimum Amount | Profit Rate (% p.a.) |
|---|---|---|
| 12 | RM1,000 | 6.99 |
| 24 | RM1,000 | 7.99 |
| 36 | RM1,000 | 7.99 |
| Minimum Age | Principal card: 21 years Supplementary card: 18 years |
| Minimum Income | RM24,000 p.a. |
| Type of Applicant | Mandatory Documents That You Need |
|---|---|
| Salaried Applicants |
For MNC/PLC:
|
| Self-employed Applicants |
|
| 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 |
| 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 |
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.
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.
