Alliance Bank Chinese Independent Schools Visa Gold credit card

Also available as MasterCard

Alliance Bank Chinese Independent Schools Visa Gold

Join the efforts to improve Chinese education by contributing part or all of your reward points to any Chinese Independent School, it's all voluntary!

  • 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 Visa Gold

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Because you should be rewarded for giving the bank your business

Credit card is not all just about giving you the convenience, get rewarded too on every single swipe! 1x Timeless Bonus Points will be awarded to you on every Ringgit spent with your credit card which can be exchanged for amazing free gifts like LED TV, vacuum cleaner and more! Transactions on petrol and government agencies are not excluded from the reward scheme.
Timeless Rewards
1 point on every RM1on all local and overseas expenses
Rewards points earned never expires
Balance Transfer
Alliance Bank Balance Transfer offers interest rates from as low as 6% and repayment terms 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
Be a good samaritan and opt to donate your reward points collected to your preferred Chinese Independent School at a rate of 50% or 100%.

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RM15.90 or 5.30% of withdrawn amount, whichever is higher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

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

A quality education is the key to long term success in life and work – you of all people would know this firsthand. That's why Alliance Bank helps you give back to your Chinese Independent school with a VISA credit card that provides auto-debits on your monthly pledges and Timeless Bonus Points donations.

Find out everything you need about the Alliance Bank Chinese Independent Schools Visa Gold and get your very own today!

Direct Donations

It’s easier than ever to contribute back to your school with the CIS Visa Gold credit card. Alliance Bank will help you setup your donations each month, so you're constantly giving within your pocket. Start giving back with monthly contributions as low as RM10.

These donations will be charged directly to your Alliance Bank Chinese Independent Schools Visa Gold like any other credit card purchase. Manage the amount you'd like to donate by contacting Alliance Bank.

Reward Points

In the mood for some self-rewards? Swipe on all dining, shopping and entertainment with your Alliance Bank CIS Visa Gold and earn Timeless Bonus Points on all purchases. On every Ringgit charged to your credit card, you’ll earn 1x reward points.

Amass these never expiring points together and treat yourself to one of hundreds of Timeless Rewards including home appliances, travel bags, kitchen items and more. Or simply converted them to frequent flier miles with AirAsia BIG or MAS Enrich.

Timeless Bonus Points Transfer

Not in the mood for self-indulgence? Remember all those points that you collect, you can choose to contribute them instead to your Chinese Independent School. Pledge either 50% or all of these points directly to your alma mater and so that they can benefit from Alliance Bank’s Timeless Rewards programme.

Low Interest Options

Enjoy big savings on purchases and credit debts with your Alliance Bank Chinese Independent Schools Visa Gold. If you're being charged heavy interest rates on your past credit you may want to consider Alliance Bank Balance Transfer Plan and the special 18-months, 6% interest p.a.. deal. 

For purchases out of pocket, find out if you can buy them with Alliance Bank Flexible Payment Plan. Repay what you owe in monthly instalments up to 24 months. For the best rates, choose the 6-month plan and pay a 2.5% interest upfront fee.

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