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 0%, 50% or 100% of your Timeless Bonus Points, the choice is yours.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6% p.a. balance transfer over 18 months
  • RM156.88 annual fee
  • Earn up to 1x reward point 

Apply online now for Alliance Bank Chinese Independent Schools MasterCard Gold

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Because you should be rewarded for giving the bank your business

Redeem great prizes ranging from wrist watches, IT gadgets, backpacks to travel air miles with your Timeless Bonus Points at a rate of RM1 for 1 reward point! It doesn't matter where and when you swipe, the point will still be yours. Timeless Bonus Points will not be awarded on petrol and government agencies transactions.
Timeless Rewards
1 point on every RM1on all local and overseas spend
Rewards points earned never expires
Balance Transfer
Alliance Bank Balance Transfer Programme offers interest rates as low as 6% and flexible payment period up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
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

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RM15.90 or 5.30% of withdrawn amount, whichever is higher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

All fees & charges are inclusive of 6% GST if applicable


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 with a lil’ help from Alliance Bank.

Earn Points or Give Back

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 charge to your credit card you’ll earn 1 Timeless Reward Point.

Collect these points and redeem them for exciting gifts from Alliance Bank’s Timeless Rewards gift selection – either for yourself or the family! But if you feel a lil charitable, you can choose to pledge all Timeless Points or half of that you earn to a Chinese Independent School of your choice.

Monthly Pledges Option

Donate your contributions directly to any Chinese Independent School with your Alliance Bank CIS credit card with convenient auto-debit pledges. Just select an amount that you’d like to give each month, starting as low as RM10 and Alliance Bank will make the donation for you, it’s simple.

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

18-Month Balance Transfer

Here’s a great way to save. If you’ve been extending your credit limit too far lately, Alliance Bank offers a special 18 month 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 6% interest rates p.a.!

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 with our easy online application!

Alliance Bank EPP

A lil’ extension goes a long way when it comes to saving. Find out how much you can save on your next big credit card purchase with Alliance Bank’s Flexible Payment Plan. Choose a 6 month repayment period and get great 2.5% p.a. rates, or extend your purchase over 24 months.

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