Alliance Bank Chinese Independent School (CIS) Card

Apply for Alliance Bank Chinese Independent School (CIS) Card by Alliance Bank

Share your reward points to any Chinese Independent School and promise your Timeless Bonus Points for the things that matter.

Alliance Bank Chinese Independent School (CIS) Card
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Product Highlights

Charity
Donate Reward Points to Chinese Independent Schools (CIS)

You can choose to contribute 50% or 100% of the Timeless Bonus Points you earn to any Chinese Independent School of your choice!

No expiry
No Expire Bonus Points

Timeless Bonus Point will never expire

No
Annual Fee Waived

The annual fee for primary card and supplementary card is lower and waived if spend RM 5,000 p.a. or use 12 times a year

Features

Rewards

Local rewards
Earn Spent In
2 Timeless Bonus Points Per RM 1 All overseas spending and utility payments
1 Timeless Bonus Points Per RM 1 All local and overseas spending
  • Your Timeless bonus points will never expire

Balance Transfer

Balance transfer img
Pay Over With Interest Rate At When You Transfer
  6 Months 0.00% p.a with no one-time upfront handling fee From RM 3,000
12 Months 6.99% p.a. with no one-time upfront handling fee From RM 1,000
18 Months 6.99% p.a. with no one-time upfront handling fee From RM 1,000
24 Months 7.99% p.a. with no one-time upfront handling fee From RM 1,000

Flexi Payment Plan

Flexi payment img
Pay Over With Interest Rate At When You Spend
6 Months 0% p.a. with 2.5% one-time upfront handling fee From RM 500
12 Months 0% p.a. with 5.5% one-time upfront handling fee From RM 500
18 Months 0% p.a. with 7.0% one-time upfront handling fee From RM 1,000
24 Months 0% p.a. with 8.0% one-time upfront handling fee From RM 1,000

Fees and Charges

Annual Fee For Primary Card RM 148*
Annual Fee For Supplementary Card RM 30
Minimum Monthly Payment RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee RM 15 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals 18% p.a.

*Annual fee waived if you spend RM 5,000 p.a. and swipe 12 times a year

Interest Rate

15% Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months
18% Per Annum Tier 3: Cardholders who do not fall under the above categories

Requirements

Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old
Who Can Apply Malaysians only