Dear Valued Cardholders,
We wish to inform you that Alliance Bank Credit Cards Product Disclosure Sheet and Cardholders Agreement have been updated as follows. The updated version shall be effective from 18 June 2026.
| Item | Existing Clause | New Clause |
|---|---|---|
| Product Disclosure Sheet (PDS) | ||
| • Average Asset Under Management (AUM) | “AUM” refers to total sum of Deposits products (excluding Savelink Account) and Investments products (Bancassurance Regular Premium (“RP”) and Bancatakaful Regular Contribution ("RC")). Eligible Alliance Privilege Visa Signature Cardholder(s) must be the primary accountholder of the Deposit products and Investment products. For Eligible Alliance Privilege Visa Signature Cardholder(s) who hold accounts jointly with other parties, all such accounts shall be considered as one single account only, based on the name of the primary accountholder. | |
| • Launch of Apple Pay | • Alliance Bank Credit Cards are supported by Samsung Pay and Google Pay. | • Alliance Bank Credit Cards are supported by Apple Pay, Samsung Pay, and Google Pay. |
| • 0% Flexi Payment Plan (FPP) | Alliance Bank Visa Infinite Credit Card (Enjoy 0% FPP for 3 months) Flight purchases, Hotel bookings, Overseas retail transactions Alliance Privilege Visa Signature Credit Card (Enjoy 0% FPP for 12 months) Private school fees, Healthcare and medical expenses, Purchase at selected luxury brands (eg. Louis Vuitton, Prada), Online marketing and digital advertising spends (eg. Facebook, Google, Instagram media buys) |
|
| • Liability for unauthorised transaction | used a predictable PIN and security credential | |
| Cardholders Agreement | ||
| • Contactless Transaction | 7.5 The Cardholder may also perform Contactless Transactions using a mobile wallet or any Near Field Communication (NFC) enabled device (“Mobile Wallet”). The registration, activation and use of the Card in a Mobile Wallet shall be governed by the Alliance Bank Credit Card Mobile Wallet Provisioning Terms and Conditions (https://www.alliancebank.com.my/Alliance-Bank-Credit-Card-Mobile-Wallet-Provisioning-Terms-and-Conditions), as may be amended from time to time (“Mobile Wallet Terms”). 7.6 By adding, activating, or using the Card in a Mobile Wallet, the Cardholder agrees to be bound by the Mobile Wallet Terms, which shall form an integral part of this Agreement. 7.7 In the event of any inconsistency between this Agreement and the Mobile Wallet Terms in relation to the use of the Card via Mobile Wallet, the Mobile Wallet Terms shall prevail to the extent of such inconsistency |
|
| • Payment | 10.6 Restriction on Withdrawal of Excess Balance Transfer Funds In the event a Cardholder performs a Balance Transfer from another financial institution resulting in an excess amount beyond the outstanding balance, the Bank shall not permit the withdrawal, cash-out, or transfer of such excess amount to any current or savings account. |
|
| • Liability of Cardholder | 15.6.7 not disclosing the details of the credit card product to a third party except to facilitate payment and purchase authorisation or to provision the credit card product on a mobile wallet | |
Thank You.
Pemegang Kad yang Dihormati,
Kami ingin memaklumkan bahawa Helaian Pendedahan Produk dan Perjanjian Pemegang Kad bagi Kad Kredit Alliance Bank telah dikemas kini seperti berikut. Versi terkini akan berkuat kuasa mulai 18 Jun 2026.
| Item | Klause Sedia Ada | Klause Baru |
|---|---|---|
| Helaian Pendedahan Produk | ||
| • Purata Tahunan Aset Di Bawah Pengurusan (AUM) | “AUM” merujuk kepada jumlah keseluruhan Produk Deposit (tidak termasuk Akaun Savelink) dan Produk Pelaburan (Bancassurance Premium Berkala (“RP”) dan Bancatakaful Sumbangan Berkala (“RC”). Pemegang Kad Alliance Privilege Visa Signature yang Layak mestilah pemegang akaun utama bagi Produk Deposit dan Produk Pelaburan tersebut. Bagi Pemegang Kad Alliance Privilege Visa Signature yang Layak yang mempunyai akaun secara bersama dengan pihak lain, semua akaun tersebut akan dianggap sebagai satu akaun tunggal sahaja, berdasarkan nama pemegang akaun utama. | |
| • Pelancaran Apple Pay | • Sokongan Kad Kredit Alliance Bank oleh Samsung Pay dan Google Pay. | • Sokongan Kad Kredit Alliance Bank oleh Apple Pay, Samsung Pay dan Google Pay. |
| • Pelan Bayaran Fleksi 0% (FPP) | Kad Kredit Alliance Bank Visa Infinite (Nikmati FPP 0% 3 bulan) Pembelian penerbangan, Tempahan hotel, Transaksi runcit di luar negara Kad Kredit Alliance Privilege Visa Signature (Nikmati FPP 0% 12 bulan) Yuran pendidikan swasta / sekolah, Perbelanjaan penjagaan kesihatan dan perubatan, Pembelian di jenama mewah terpilih (contoh: Louis Vuitton, Prada), Perbelanjaan pemasaran dalam talian dan pengiklanan digital (contoh: pembelian media Facebook, Google, Instagram) |
|
| • Liabiliti keatas transaksi tidak dibenarkan | • Mendedahkan secara sukarela butiran produk kad kredit (termasuk nombor PIN) kepada mana mana pihak ketiga. | |
| Perjanjian Pemegang Kad | ||
| • Transaksi Tanpa Sentuh | 7.5 Ahli Kad juga boleh melakukan Transaksi Tanpa Sentuh menggunakan dompet mudah alih atau mana-mana peranti yang menyokong Near Field Communication (NFC) (“Dompet Mudah Alih”). Pendaftaran, pengaktifan dan penggunaan Kad dalam Dompet Mudah Alih adalah tertakluk kepada Terma dan Syarat Peruntukan Dompet Mudah Alih Kad Kredit Alliance Bank (https://www.alliancebank.com.my/Alliance-Bank-Credit-Card-Mobile-Wallet-Provisioning-Terms-and-Conditions), sebagaimana yang dipinda dari semasa ke semasa (“Terma Dompet Mudah Alih”). 7.6 Dengan menambah, mengaktifkan atau menggunakan Kad dalam Dompet Mudah Alih, Ahli Kad bersetuju untuk terikat dengan Terma Dompet Mudah Alih, yang akan menjadi sebahagian penting daripada Perjanjian ini. 7.7 Sekiranya terdapat ketidakselarasan antara Perjanjian ini dan Terma Dompet Mudah Alih berhubung dengan penggunaan Kad melalui Dompet Mudah Alih, Terma Dompet Mudah Alih akan mengatasi setakat ketidakselarasan tersebut. |
|
| • Pembayaran | 10.6 Sekiranya Ahli Kad melaksanakan Pemindahan Baki daripada institusi kewangan lain yang mengakibatkan jumlah lebihan melebihi baki tertunggak, Bank tidak akan membenarkan pengeluaran, pengambilan tunai atau pemindahan jumlah lebihan tersebut ke mana-mana akaun semasa atau akaun simpanan. | |
| • Liabiliti Ahli Kad | 15.6.7 tidak mendedahkan butiran produk kad kredit kepada mana-mana pihak ketiga kecuali bagi tujuan memudahkan pembayaran dan kebenaran pembelian atau untuk menyediakan produk kad kredit pada dompet mudah alih | |
Terima kasih.
