• Earn CNI Gold points to redeem exclusive gifts and CNI products (you will earn 2 CNI Gold points for every RM1 spent at CNI Distribution Centres and 1 CNI Gold point for every RM1 spent elsewhere)
• 0% Instalment Payment Plan of 6-month or 12-month for purchase of selected CNI products above RM1,000 in a single receipt
• Free RM100,000 Personal Accident Insurance coverage for first year
• Free Travel & Inconvenience Insurance
• Customer Service Hotline Assistance
• No loss card liability upon reporting
• Commission-free Traveller's Cheques, Demand Drafts and Cashier's Orders
• Worldwide recognition and acceptance

• Cash advance withdrawal of up to 75% 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
• Payment/Value loading for your Alliance Bank CNI Credit/Payment Cards can be made easily 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

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