Posted in Alliance Bank Credit Card, Credit Card


Alliance Bank Chinese Independent School Visa/MasterCard Credit Card


  • The Alliance Bank CIS Credit Card is first of its kind that allows you to make a contribution to a CIS fund/foundation of your choice


Alliance Bank Malaysia Berhad

Minimum Income Requirement

RM24,000 per annum/ RM2,000 per month

Annual Fee

  • Principal Card: RM148
  • Supplementary Card: RM30
*Annual fee waiver for subsequent year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period

Government Service Tax

Principal Card = RM50
Supplementary Card = RM25

Age Eligible

Principal Card = 21 years old
Supplementary Card = 18 years old

Interest Rate

  • 15% per annum – 12 months Prompt payment with min repayment
  • 17% per annum – 10 months – 12 months prompt min repayment
  • 18% per annum – Others
  • 18% per annum – Cash Advance

Key Benefits

  • Contribution to CIS fund/foundation of your choice – Choice of pledging 50% or 100% of your Timeless Bonus Points * (you will earn 1 Timeless Bonus Point for every RM1 spend on your Alliance Bank CIS)
  • Monthly pledges (with as low as RM10) via auto-debit to your Alliance Bank CIS Card (available only for selective CIS)
  • Customer Service Hotline Assistance
  • Worldwide recognition and acceptance
* Timeless Bonus Points is awarded on retail spend only except for petrol and government agencies transactions
  • Cash advance withdrawal up to 100% of your credit limit
  • Interest-free period for retail transactions
    • 20 days from statement date only if all retail transactions (excluding cash advance, balance transfer and instalment payment plan programmes) of the previous month are fully paid by the payment due date
    • If partial payment, minimum payment or no payment is made on or before the payment due date, finance charges will be imposed from the day transaction is posted to the card account

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