• Free coffee/tea and a Swedish meal offer daily
• Monthly Benefit Buys on selected items - offered to IKEA Friends all year round and naturally, only Friends pay less and get more
• 0% Instalment Payment Plan (IPP) - Spend RM1,000 and above in a single receipt and at IKEA Malaysia and convert your purchase into easy payment schemes available at 6, 9, 12 and 24 months
• 60 days return policy for item bought at IKEA (conditions apply)
• Enjoy a lower finance charge at only 1.2% per month instead of the usual 1.5% for your retail transactions at IKEA Malaysia
• Friends points - every RM1 charged to your IKEA Friends Credit Card at IKEA Malaysia earns you 4 Friends points. When you charge your IKEA Friends Credit Card elsewhere, you will earn 1 Friends point for every RM1 spent
• Exclusive IKEA Friends Sale previews, events and activities
• Dedicated in-store IKEA Friends counter
• Free Travel & Inconvenience Insurance 
• Free RM100,000 Personal Accident Insurance coverage for first year
• No lost card liability upon reporting
• 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 (IKEA Friends 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
• Payment/Value loading for your IKEA Friends Credit/Payment Card 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
    
    

• 50% discount on coffee/tea and Swedish meal offer
• Monthly Benefit Buys on selected items - offered to IKEA Friends all year round and naturally, only Friends pay less and get more
• 60 days return policy for items bought at IKEA (conditions apply)
• Friends points - every RM1 charged to your IKEA Friends Payment Card at IKEA Malaysia will earn you 2 Friends points. Purchases made elsewhere will earn you 1 Friends point for every RM1 spent
• Exclusive IKEA Friends Sale previews, events and activities
• Dedicated in-store IKEA Friends counter

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