Alliance Bank CNI Gold Card by Alliance Bank

Earn up to 2X CNI Gold Points which you can use to redeem wellness and skincare products from CNI!

Use a 6-month or 12-month 0% interest instalment plan to pay for purchase of selected CNI products above RM 1,000 in a single receipt.

Zero interest for retail transactions if payment made within 20 days (if all the transaction from previous month have been paid)

Withdraw a cash advance of up to 100% of your credit limit.

Earn	Spent In
2 Timeless Bonus Points Per RM 1	At CNI distributors center
1 Timeless Bonus Point Per RM 1	At all local or overseas retail expenses

Pay Over	With Interest Rate At	When You Transfer
12 Months	6.99% p.a. with no one-time upfront handling fee	From RM 1,000
18 Months	6.00% 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

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

Annual Fee For Primary Card	RM 148*
Annual Fee For Supplementary Card	RM 30
Mininum 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Cash Withdrawal Fee	RM 15 or 5% of the withdrawn amount, whichever is higher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

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

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