Alliance Bank Chinese Independent Schools MasterCard Gold credit card

Also available as Visa

Alliance Bank Chinese Independent Schools MasterCard Gold

Contribute your Reward Points to the any Chinese Independent School of your choice. Pledge 50% or 100% of your Timeless Bonus Points, the choice is yours.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 6 months
  • RM148.00 annual fee
  • Earn up to 2x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Redeem free gifts, vouchers and merchandises with Timeless Bonus Points. Every RM1 spent earns you 1x Timeless Bonus Point, except for petrol and government agencies transactions.
Timeless Rewards
2 points on every RM1on overseas and utility transactions
1 point on every RM1on all local and overseas spend
Rewards points earned never expires
Balance Transfer
Alliance Bank Balance Transfer Program offers low interest rates and flexible payment period up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3000 
12 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
24 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants

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
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


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
Malaysians Only


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

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 Chinese Independent Schools MasterCard Gold review

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

Keep true to your roots with a MasterCard that turns your monthly spending into contributions to your alma mater. 

Enjoy all the perks from your Alliance Bank credit card including reward points, balance transfer, easy payment plans and cash loans with a bank that gives back to you and the community.

Easy Contributions

There’s an old saying which goes, Isn’t it a pleasure to study and practice what you have learned? For former students and educators alike who owe their life foundations to the Chinese Independent School education system.

You can now pledge your lifetime support to your preferred CIS via your Alliance Bank credit card; choose to either contribute 50% or 100% of your Timeless Bonus Points.

Timeless Bonus Points

Your Alliance Bank Chinese Independent Schools MasterCard Gold makes payments easier whether it’s a swipe over the counter, bill payments or online purchases. 

For each Ringgit that you charged to your credit card, you earn 1x Timeless Bonus Point. Collect these points and redeem them for exciting selection of gifts for yourself, the family and friends.

Monthly Pledges Option

Donate your contributions directly to any Chinese Independent Schools with your Alliance Bank CIS credit card through a monthly auto-debit pledge. Just select an amount that you’d like to give, starting as low as RM10, and Alliance Bank will make the donation for you.

With your Alliance Bank credit card, you align what you earn and spend with your contributions to the education of your children without having to make any big splashes – your giving hand will be as steady as your long term impact.

Balance Transfer

Here’s a great way to save. If you’ve been extending your credit limit too far lately, Alliance Bank offers a balance transfer plan to help you cut down on unnecessary interest payments. You’ll be given an extended period to repay what you owe at low interest rate.

Get in touch with Alliance Bank today to sign up for a balance transfer, all you need to do is to transfer a minimum of RM1,000 from a credit card from a different bank. If you don’t have an Alliance Bank credit card yet, sign up now via RinggitPlus!

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