Alliance Bank CNI Gold Card credit card

Alliance Bank CNI Gold Card

A huge fan for CNI wellness products? Get more of them with the CNI Gold points you earned for using your credit card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM156.88 annual fee
  • Earn up to 2x reward points 

Apply online now for Alliance Bank CNI Gold Card

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Because you should be rewarded for giving the bank your business

Live a healthy life with CNI's wide range of supplements and skin care products. Every Ringgit spent at any CNI Distribution Centres earns you 2 CNI Gold points and 1 point elsewhere, except for petrol and government agencies transactions. Convert the points into your desired CNI products!
2 points on every RM1at CNI distribution centres
1 point on every RM1on all other local and overseas retail expenses
Rewards points earned never expires
Balance Transfer
Clear off your piling credit card debt the smarter and faster way, Alliance Bank Balance Transfer Programme gives you interest rate as low as 6%! What's more, if you opt for 6 months repayment period and transfer at least RM5000 before 31 October 2016, Alliance Bank won't charge you any interest at all!
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM5000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6% p.a. and no one-time upfront handling feefrom RM1000 
24 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Alliance Bank Flexible Payment Plan offers payments terms of up to 24 months on retail purchases. Interest rates from 2.5%.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5.5% one-time upfront handling feefrom RM500 
18 months7% one-time upfront handling feefrom RM1000 
24 months8% one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Flexible Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when you spend RM5,000 or swipe 12 times each year
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

*inclusive of 6% GST


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Alliance Bank Flexible Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Alliance Bank FastCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Alliance Bank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Alliance Bank CNI Gold Card review

What's so good (or not so good) about it?

Enjoy health and wellness with an exclusive credit card that gives you extra value on all CNI goodies at distribution centres across Malaysia. What’s more, these benefits don’t stop and end there! You’ll get CNI reward points on all items charged to your card, and a bigger cash advance limit.

2x CNI Gold Points

Remember all those new year resolutions that never actually became well, self-resolve? Take a step towards healthier habits with CNI’s full range of products including Well3, WaterLife systems, CNI skin care and Whyte Magic.

For every Ringgit that you charge to your Alliance Bank CNI Gold Card you’ll get one CNI Gold Point. Shop at any CNI store nationwide and you’ll get double the points, which you can then use to redeem merchandise from CNI!

0% Instalment Payment Plan

Can’t get enough of CNI water treatment systems and their exclusive beauty line? Rather than pay for everything in one go, sign up for an 0% instalment plans and stretch your repayments over 6 or 12 months.

All you have to do is register with Alliance Bank once you have charged more than RM1,000 on CNI products in a single receipt. Choose a repayment schedule that works for you, then remember to repay what you owe on time!

100% Cash Advance

Enjoy zero limits with your Alliance Bank CNI Gold Card. Unlike most credit cards that cap the amount you can withdraw, you can max out your credit limit – all 100% on a cash advance with Alliance Bank FastCash. 

FastCash works like any regular loan. Fill up the paperwork that you need including your cash advance amount and repayment period. If you’re approved, you get your cash and interest rates as low as 6.99% p.a.! Find out more here.

No Annual Fees

The Alliance Bank CNI Gold Card comes with an annual fee of RM156.88 a year, but wait! If you spend a minimum of RM5,000 yearly or swipe once for 12 consecutive months, this fee will be waived completely!

Get all the benefits of healthy living and a little extra with this exclusive gold VISA credit card in partnership with CNI, without paying a single sen.

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