• Choice of pledging 50% or 100% of your Timeless Bonus Points (you will earn 1 Timeless 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)

• Annual Fee Waiver Plan - spend RM5,000 p.a or just swipe 12
  transactions on your Alliance Bank CIS Credit Card 
• Free RM50,000 Personal Accident Insurance coverage for first year. In addition, children of the Insured will be covered for educational benefits
  of up to RM20,000 per child for a maximum of 3 children
• Free Travel & Inconvenience insurance
• Customer Service Hotline Assistance 
• Commission-free Traveller's Cheques, Demand Drafts and Cashier's Orders
• Worldwide recognition and acceptance
  

• Cash advance withdrawal up to 70% of your credit limit
• Interest-free period for retail transactions (CIS Credit Card):
  • 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
• Payments/Value loading for your Alliance Bank CIS Credit/Payment Cards can be easily made through:
  • Cash or cheque at Alliance Bank Branches nationwide
  • Standing Instruction (via deduction from your Alliance Bank savings or current account)
  • Cheque Xpress/Cash Deposit Machines at selected branches
  • Internet banking via allianceonline
  • Automated Teller Machine (ATM)
  • MEPS IBG at participating financial institutions

Fees & Charges

Annual Fee

1. Retail purchases:
   • Tier 1 - Pay promptly for 12 consecutive months and enjoy retail finance charge of 15% p.a on the 13th month
   • Tier 2 - Pay promptly for at least 10 out of 12 consecutive months and enjoy retail finance charge of 17% p.a on the 13th month
   • Tier 3 - if the above tier 1 and 2 is not met, retail finance charge of 18% p.a will be charged
2. Cash advance at 18% p.a of the cash advance amount calculated on a daily basis from the date of withdrawal until date of full repayment

Cash Advance Fee
5% of the amount advanced or a minimum of RM15, whichever is higher, for each cash advance transaction

Minimum Monthly Repayment
5% of the outstanding balance or a minimum of RM50, whichever is higher

Late Payment Charge
1% per month of the total outstanding balance or RM10, whichever is higher (subject to a maximum of RM100)

Returned Cheque
RM50 for each cheque returned

Replacement of Lost/Stolen Card
RM50 per Card

1. If you are an existing principal credit cardmember of a locally issued credit card (for 12 months):
   • Copy of your credit card (front only)
2. If you are salaried:
   • Latest 3 months' pay slips
   • Latest EPF statement/3 months' bank statements where salary is credited
3. If you are self-employed:
   • Sole proprietor/Partnership: Business registration form & Form D
   • Sdn Bhd/Berhad: Forms 24, 49, 9
   • Latest 3 months' bank statements
   • Tax Return Form with Tax Receipt