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 Latest Cards Announcement
Safeguard your Card and PIN
  • When you receive your new/ renewal/ replaced Credit Card(s), always check that the Card(s) is/are issued in your name, and that the sealed package is not compromised. If the Card(s) is/are not yours, or that the seal is tampered, immediately contact the Bank at 03-5516 9988;
  • Destroy your old/expired/unused Credit Card(s) by cutting in half across the magnetic stripe and chip ensuring it is completely destroyed upon the receipt of your new Credit Card(s);
  • Immediately sign on the signature panel of your Credit Card(s) upon receipt of Card(s);
  • Check to ensure that you are always in possession of your Credit Card(s);
  • Use a strong PIN which is hard to guess or imitate;
  • Do not select a PIN which may be easy to guess such as birthdays, telephone numbers, dates of birth, identity card number, passport number, driving licence or contact numbers;
  • Do not write down the PIN negligently or recklessly which will contribute to or cause losses from any unauthorised transaction(s) from the use of the Card by any third party;
  • Destroy any notification of the PIN or the security details and do not disclose the PIN to anyone else including the police and Bank staff;
  • Do not allow another person to see the PIN when entering it or it is displayed; and
  • Notify the Bank immediately upon becoming aware of the PIN being exposed, used or known to a third party and cut your Card(s) in half across the magnetic stripe and chip ensuring it is completely damaged.
Internet Purchases
  • When purchasing items over the Internet, give your Credit Card(s) details only on reliable websites or merchants that you trust. Reputable merchant sites use encryption technologies to protect your card information;
  • Avoid using a public computer to shop online. If you do, please remember to log off and quit the browser when you finish using. All it takes is for someone to hit the "back button" to view your personal information;
  • Always print and save the confirmation page when completing an online purchase. Record or keep your receipts for all your purchases including online purchases.
Change of Contact Details
  • Notify the Bank in advance of any change(s) in contact details including but not limited to address, mobile number and email address to allow the Bank to perform verification of unusual or suspicious transactions.
Beware of Scam
  • Do not provide your online account information or password to anyone under any circumstances. The Bank will never request for personal banking information via telephone calls, SMS or emails;
  • Use web browser that are up-to-date with built-in phishing filters;
  • Contact the Bank at 03-5516 9898 when in doubt, to seek clarification;
  • Do not respond to or click links inside of suspicious emails. Do not access the Bank’s website from attachments or website links.
Managing Your Statement
  • Check your Credit Card statement(s) and report any discrepancy(ies) or unauthorised transactions immediately;
  • If you do not receive your Credit Card statement(s) on time, please report to the Bank promptly;
  • Destroy and dispose copies of statements, receipts etc that display your Credit Card number(s).
Dear Valued Cardmembers,

Effective 1 April 2017, please be informed that we have revised the Terms and Conditions (T&C) for Alliance Bank Credit and Debit Cards. The revisions are as follows:

Credit Card Debit Card
Alliance Bank Visa/Mastercard Card Agreement

Clause 11.5, 14.2 and 14.6
Alliance Debit Card/Debit Card-i Terms and Conditions

Clause 6.2(a), 9.2 and 9.5
Get Your New Upgraded Debit Card-i Now!

Effective 1 May 2017, you will not be able to use your existing Debit Card-i for retail purchase without 6-digit PIN.

Please visit any Alliance Bank Branch to replace your existing Debit Card-i at ZERO cost now, to avoid usage interruptions at any Point-of-Sale (POS) terminal.

Important: Please bring your savings passbook (for Saving Account holder) and Identity Card (IC) or Passport for card replacement.
Security of 6-digit PIN:
Your 6-digit PIN is selected by you and known only to you.
Your 6-digit PIN is required for retail purchases and helps improve security and protect against fraud due to lost or stolen card.
 
Contactless Payment:
Your new upgraded contactless and PIN-enabled Debit Card-i also comes with contactless feature. It is accepted globally where universal contactless symbol is displayed.
A fast, easy, convenient and secure way to pay with just a tap on the contactless reader.
No PIN is required for transactions up to RM250 in Malaysia. You are in control of the transaction as your Debit Card-i does not leave your hand during payment.
 
Note: The contactless feature can be disabled. To request, please call Customer Service at 03-5516 9988.
Credit Cards - Instalment Payment Plans: General Terms & Conditions
Dear Valued Cardmembers,

To avoid finance charges being imposed, all cardmembers who have subscribed to a 'zero interest/interest-free' monthly repayment plan(s), are required to make payment of the monthly instalment specified by the bank at the time the Instalment Payment Plan is entered into ("the Monthly Instalment") in full. In the event a cardmember opts to only pay the minimum amount of five percent (5%) of the balance remaining unpaid under the Instalment Payment Plan ('the Outstanding Balance') or Ringgit Malaysia Fifty (RM50), whichever is higher, instead of the Monthly Instalment in full, the cardmember will be liable for the interest charges on the Outstanding Balance.

General Terms and Conditions Governing Instalment Payment Plans
  1. The cardmember of a 'zero interest/interest-free' monthly repayment plan ("the Instalment Payment Plan") may make (a) full payment of the monthly instalment ("the Monthly Instalment") specified by the bank at the time the Instalment Payment Plan in entered into, which is usually at the point in time of purchase, or as indicated in his monthly credit card statement, or (b) a partial payment of the Monthly Instalment.
  2. The Instalment Payment Plan is free from interest only if the cardmember settles the Monthly Instalment in full.
  3. In cases where the cardmember opts to pay the minimum amount of five percent (5%) of the balance remaining unpaid under the Instalment Payment Plan ('the Outstanding Balance') or Ringgit Malaysia Fifty (RM50), whichever is higher, instead of the Monthly Instalment in full, the cardmember will be liable for the interest charges on the Outstanding Balance.
  4. Failure to comply with paragraphs (2) and (3) will result in the cardmember being subject to interest on the Outstanding Balance in accordance with its terms.
  5. Tabled version of scenarios A, B, C & D.
    Customer purchased RM1,500 and split into 12-month instalment
    Repayment Scenarios Scenario A:
    Minimum payment (5%)
    Scenario B:
    Partially paid (>5% but less than instalment amount)
    Scenario C:
    Pay partially (Not in full but more than instalment amount)
    Scenario D:
    Pay in full
    Instalment amount RM 125 RM 125 RM 125 RM 125
    Other credit card spend RM 980 RM 980 RM 980 RM 980
    Total monthly spend reflected in statement RM 1,105 RM 1,105 RM 1,105 RM 1,105
    Payment amount according to scenario A, B, C and D RM 55.25 RM 85.25
    (Partial payment of monthly instalment + minimum payment/ RM 30 + RM 55.25)
    RM 180.25
    (Full payment of monthly instalment + minimum payment/ RM 125 + RM 55.25)
    RM 1,105
    Outstanding Balance (After deduction on min. payment) RM 1,049.75 RM 1,019.75 RM 924.75 0
    Outstanding Balance that will be carried forward (Subject to tier 3 Interest Rate of 1.50% per month) RM 1,065.50 RM 1,035.04 RM 938.62 0
    Interest amount incurred RM 15.74 RM 15.29 RM 13.87 0
Dear Valued Cardmembers,

Effective 5 October 2016, all Balance Transfer and Fast Cash account numbers have been revised. Please ensure all repayments are immediately made to the new account number as shown in your monthly statement.

For more information, please call our Customer Service at 03-5516 9988.
Discontinuity of Loyalty Rewards - Alliance Bank Visa Infinite Card
Dear Valued Cardmembers,

Please be informed that effective 19 September 2016, the Alliance Bank Visa Infinite Credit Card will no longer reward cardmembers on an annual basis for accumulated spend under the Loyalty Rewards which will be discontinued.

In our efforts to offer relevant benefits which better suit your lifestyle, we are pleased to introduce a new feature i.e. ‘Flexi Payment Plan at 0% Fee’ to let you maximize on your flight tickets and overseas spend.


Find out more about Flexi Payment Plan at 0% fee, click here or for features of the Alliance Bank Visa Infinite Credit Card, click here.


We always prepared to extend our assistance to Cardmembers to enjoy greater financial flexibility and maximise the benefits that come with Alliance Bank Credit Card.

Choose between a Permanent or Temporary Credit Limit increase to suit your ever-changing lifestyle or emergency coverage.


Permanent Credit Limit Increase


STEP 1
Download and complete the Permanent Credit Limit Increase form.

STEP 2
Attach with your valid income documents:

SALARIED EMPLOYEE
MNC/PLC
a) A copy of your NRIC (both sides) or a copy of a valid passport
AND one of the documents below:
b) Latest 1 month payslip
c) Latest EA form
d) Latest EPF statement
e) Latest Borang BE together with official tax receipt/bank-in slip

Non MNC/PLC
a) A copy of your NRIC (both sides) or a copy of a valid passport
b) Latest 3 months payslip
c) Latest 3 months bank statements showing salary crediting amount or latest EPF statement
OR
d) Latest Borang BE together with official tax receipt/bank-in slip


SELF EMPLOYED
Sole Proprietor/Partnership
a) A copy of your NRIC (both sides) or a copy of a valid passport
b) Business Registration Form & Form D
OR Form 24, 49, 9
AND one of the documents below:
c) Latest EPF statement (dated < 3 months old with listing of at least 6 monthly contributions)
d) Latest 6 months’ bank statements
e) Tax Return Form with tax receipt 


STEP 3
Forward the completed form and income documents to us via:
Email : info@alliancefg.com or
Drop-off : any Alliance Bank branch


Temporary Credit Limit Increase


For Temporary Credit Limit increase*, please call our Contact Centre at 03-5516 9988. 
 
* Please note that Temporary Credit Limit increase is only applicable for overseas travel, hospitalization and compassionate
   purposes. 


Terms and Conditions:
    • Permanent Credit Limit increase (“PICL”) is only available to principal Cardmember who submit complete application form and income documents indicating an increase in monthly income. It also only applicable to Cardmember who has not had any credit limit revision in the past 6 months.
    • Alliance Bank Malaysia Berhad (“the Bank”) reserves the right to request additional income documents from PICL applicant and documents submitted are not returnable.
    • Approval on Permanent/Temporary Credit Limit Increase is subject to the Bank’s sole discretion.
Dear Valued Cardmembers,

Please be informed that effective 13 January 2017, CNI Gold Co-brand Credit Card will be discontinued.

With immediate effect, we will no longer be accepting new application for CNI Gold Co-brand Credit Cards. Please be reminded to redeem your CNI Gold points by 31 December 2016.

Alliance Bank offers other wide range of Credit Card products that suit your different lifestyles. Find the product that best meets your payment needs.

Dear Valued Cardmembers,

Effective 1 December 2015, the benefits of Alliance Hybrid Standard, Hybrid AP Platinum and Hybrid PB Platinum will be revised. Please refer to enclosed details.

1. Revision of Alliance Hybrid Standard, Hybrid AP Platinum and Hybrid PB Platinum Debit Card Benefits

2. Product Disclosure Sheet for Alliance Bank Debit Card/Debit Card-i 3. Frequently Asked Questions

For further clarification, please contact Alliance Bank Contact Centre at 03-5516 9988.
Card-Not-Present (CNP) & Overseas Transaction

In line with Bank Negara Malaysia (BNM) Circular on Managing Risks of Electronic Banking, Direct Debit and Risks Associated with Payment Instruments, Debit Cardholders (“Cardholders”) must expressly opt-in (enable) for the following:
  • Any card-not-present (non-face-to-face) transaction using your Debit Card such as online transaction and auto debit, and/or
  • Overseas transaction using your Debit Card
This is part of steps taken to mitigate the risks of unauthorised transactions.

Enhance Your Payment Experience If you wish to opt-in (enable) your Debit Card for the above transactions, contact us at 03-5516 9988 or visit any of our branches.

Please be reminded to opt-in (enable) before performing these transactions to avoid service interruption.

Note: The turnaround time to activate or deactivate any one of the said transactions is one (1) working