Alliance Bank Fast Cash Programme Terms & Conditions
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- Jocelin Chase
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1 Alliance Bank Fast Cash Programme Terms & Conditions Alliance Bank Malaysia Berhad (88103-W)
2 Alliance Bank Fast Cash Programme Terms and Conditions: 1. The Fast Cash Programme ( Fast Cash ) is open to all new and existing Alliance Bank Principal Credit Card Cardholder ( Cardholder ). 2. Fast Cash is made available by Alliance Bank Malaysia Berhad ( the Bank ) to all Cardholders subject to the Terms and Conditions herein. 3. Cardholders Application(s) for Fast Cash which are approved will reduce the available credit limit of the Cardholder s Credit Card. 4. Fast Cash allows the Cardholders to draw up to 80% of the Cardholders available credit limit (subject to the Bank s approval). 5. Upon approval of the Fast Cash application(s), cash will be disbursed through either one of the following methods: i. Internal transfer to the Cardholder s bank account maintained with the Bank; or ii. InterBank Giro (GIRO) transfer to the Cardholder s bank account maintained with any other licensed bank in Malaysia of the Cardholder s choice. 6. For each approved Fast Cash application, a new virtual account ( Fast Cash Account ) bearing the serial number 2000 XXXX XXXX XXXX will be allocated. No physical CARD or PIN will be issued for the Fast Cash Account. Cardholder shall make the monthly instalment payment to the FC Account. 7. The minimum amount for a Fast Cash application is RM1,000 and the amount must be in multiples of hundreds (100) for all Fast Cash plans, i.e, 12-month plan, 24-month plan and 36-month plan. The plans are however, subject to changes at the Bank s absolute discretion and may be varied by the Bank from time to time. 8. The Cardholder is liable to pay the specified interest rate for the specified instalment as per the tenure stated in the Fast Cash application(s). 9. Effective Interest Rate (EIR) for the Fast Cash 12-month Plan is 12.66% p.a.; 24-month Plan is 14.66% p.a.; 36- month Plan is 14.53% p.a. The Bank reserves the right to change the EIR at its absolute discretion with prior notice. 10. With every Fast Cash application amounting to RM10,000 Cardholder will earn 500 Timeless Bonus Points (TBP). 11. All Fast Cash application(s) are subject to the Bank s final approval and the Terms and Conditions herein. The Bank reserves the right to approve or reject any application and determine the Fast Cash amount allowed to be disbursed at its absolute discretion. 12. The Fast Cash monthly instalment amount shall be billed to the Cardholder s Fast Cash Account on the next statement date following the Bank s approval of the Cardholder s application. Page 2 of 7
3 13. The monthly instalment amount will be calculated from the date of approval using a monthly reducing balance repayment method which is also known as the Rule 78 methodology ( Methodology ). The Methodology will take effect for all new Fast Cash applications approved from 30 September 2018 onwards. An illustration on the monthly principal deduction as well as interest charged for the Fast Cash installment is as follows: For example, when a Cardholder applies for Fast Cash amounting to RM10,000 for a 12-month tenure with a corresponding interest rate of 6.99% per annum, the Fast Cash monthly instalment for 12 months is RM and the total repayment amount at the end of 12 months will be RM10,699. Month Original Principal (RM) [A] Monthly Instalment (RM) [B] Interest Payable (RM) [C] Principal Reduction (RM) [D = B-C] Outstanding Principal (RM) [A-D] 1 10, , , , , , , , , , , , , , , , , , , , , Total 10, , Any pre-payment or excess payment will not reduce the outstanding principal amount or the subsequent monthly instalment and it will only be treated as an advance payment by the Bank. Page 3 of 7
4 15. Once the Balance Transfer amount has been approved, a corresponding amount of the Cardholder s existing Credit Card limit will be reserved for this purpose and shall not be available to the Cardholder until settlement of the Fast Cash amount. The Bank shall not be liable to the Cardholder for any transactions rejected by merchants due to the unavailability of the amount reserved under the Cardholder s Credit Card limit. On the Date of Posting, the Fast Cash amount will then be utilised and finance charges will be charged thereon according to the Fast Cash plan selected from the Date of Posting thereon. For the avoidance of doubt, Date of Posting is the date the charges are billed to the Cardholder s participating Alliance Bank Card Account. 16. Cardholder shall make full payment of the monthly instalment. In the event the Cardholder fails to pay the monthly instalment amount in full by the payment due date as specified in the statement or if the payment is not received by the Bank in full or before the payment due date as specified in the aforesaid statement: i. Late Payment Charge of one per centum (1%) on the instalment amount in arrears or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the Cardholder s Credit Card account until full settlement thereof; and ii. the prevailing finance charge of 18% p.a. shall be levied on the remaining outstanding balance amount from the due date until the date of full settlement. 17. No Exit Fee (the Exit Fee ) will be charged if the Cardholder terminates and/or discontinues with the Fast Cash within the payment period of 12, 24 or 36 months plan respectively. Upon early termination or in the event the Cardholder cancels the Credit Card, the total outstanding principal balance will immediately become due and payable. The prevailing finance charge of 18% p.a. shall be levied on the total outstanding principal balance from the due date until the date of full settlement. 18. In the event of default or termination of the Cardholder s Credit Card for any reason whatsoever, all monies due, total monthly instalment outstanding and unbilled amount under the Fast Cash account, together with the applicable finance charges will be immediately due and payable by the Cardholder. 19. In accordance with the Bank s VISA/MasterCard Card Agreement ( Card Agreement ), in the event the specified minimum payment of the current Balance is not received in full by the payment due date, the applicable late payment charges and finance charges shall be levied on the unpaid amount which includes the Fast Cash monthly installment or part thereof. 20. The Terms & Conditions herein are in addition to and without prejudice to the Terms & Conditions stated in the Card Agreement. 21. The Bank reserves the right at its absolute discretion to vary, amend, modify, revise, suspend and/or cancel any of these Terms & Conditions herein at any time and from time to time by giving the Cardholder twenty one (21) days prior notice and the duly amended Terms & Conditions shall become effective on the date specified by the Bank in the notice. 22. Cardholder hereby confirms that none of their spouse(s), parents, children, brothers, sisters, their spouses and/or their financial dependants and/or their agents and guarantors are in the employment of the Bank or its subsidiaries or are related to a director, officer or employee of the Bank or its subsidiaries. Cardholders undertake to inform the Bank immediately if any such relationship is established/ intended to be established. 23. The Terms & Conditions herein shall be governed by and be construed in accordance with the laws of Malaysia and Cardholder agrees to submit to the exclusive jurisdiction of the Courts of Malaysia. Page 4 of 7
5 Terma dan Syarat Program Tunai Segera Alliance Bank: 1. Program Tunai Segera ( Tunai Segera ) terbuka kepada semua Pemegang Kad Kredit Prinsipal Alliance Bank yang baru dan sedia ada ( Pemegang Kad ). 2. Tunai Segera disediakan oleh Alliance Bank Malaysia Berhad ( Bank ) kepada semua Pemegang Kad tertakluk kepada Terma dan Syarat yang terkandung di sini. 3. Permohonan Pemegang Kad untuk Tunai Segera yang diluluskan akan mengurangkan had kredit Kad Kredit Pemegang Kad. 4. Tunai Segera membenarkan Pemegang Kad untuk mengeluarkan setakat 80% had kredit Pemegang Kad yang sedia ada (tertakluk kepada kelulusan Bank). 5. Setelah permohonan Tunai Segera diluluskan, tunai akan diperuntukkan melalui salah satu cara yang berikut: i. Pindahan Dalaman kepada akaun bank Pemegang Kad yang dengan Bank; atau ii. Pindahan Giro Antara Bank (GIRO) kepada akaun bank Pemegang Kad dengan mana-mana bank berlesen yang lain di Malaysia yang merupakan pilihan Pemegang Kad. 6. Bagi setiap permohonan Tunai Segera yang diluluskan, satu akaun virtual baru ( Akaun Tunai Segera ) yang bernombor siri 2000 XXXX XXXX XXXX akan diperuntukkan. Tiada KAD fizikal atau PIN akan dikeluarkan untuk Akaun Tunai Segera. Pemegang Kad hendaklah membuat pembayaran ansuran bulanan kepada Akaun Tunai Segera. 7. Akaun minimum untuk permohonan Tunai Segera ialah RM1,000 dan amaun tersebut mestilah dalam gandaan seratus (100) untuk semua pelan Tunai Segera, iaitu pelan 12 bulan, pelan 24 bulan dan pelan 36 bulan. Walau bagaimana pun, pelan-pelan adalah tertakluk kepada perubahan mengikut budi bicara mutlak Bank dan boleh diubah oleh Bank dari semasa ke semasa. 8. Pemegang Kad bertanggungjawab untuk membayar kadar faedah tertentu bagi ansuran yang tertentu mengikut tempoh yang dinyatakan dalam permohonan Tunai Segera. 9. Kadar Faedah Efektif (KFE) bagi Pelan Tunai Segera 12 bulan ialah 12.66% setahun; Pelan 24 bulan ialah 14.66% setahun; Pelan 36 bulan ialah 14.53% setahun. Bank berhak untuk mengubah KFE mengikut budi bicara mutlaknya dengan notis terdahulu. 10. Dengan setiap permohonan Tunai Segera yang berjumlah RM10,000 Pemegang Kad akan mendapat 500 Timeless Bonus Points (TBP). 11. Semua permohonan Tunai Segera tertakluk kepada kelulusan terakhir Bank dan Terma dan Syarat yang terkandung di sini. Bank berhak untuk meluluskan atau menolak mana-mana permohonan dan menentukan amaun Tunai Segera yang dibenarkan untuk diperuntukkan mengikut budi bicaranya yang mutlak. 12. Amaun ansuran bulanan Tunai Segera akan dibilkan kepada Akaun Tunai Segera bagi Pemegang Kad pada tarikh penyata yang berikut selepas permohonan Pemegang Kad diluluskan oleh Bank. Page 5 of 7
6 13. Amaun ansuran bulanan akan dikira daripada tarikh kelulusan dengan menggunakan cara pembayaran pengurangan baki bulanan yang juga dikenali sebagai metodologi Kaedah 78 ( Metodologi ). Metodologi akan berkuatkuasa bagi semua permohonan Tunai Segera baru yang diluluskan sejak 30 September Satu ilustrasi mengenai potongan prinsipal bulanan serta faedah yang dikenakan untuk ansuran Tunai Segera adalah seperti yang berikut: Contohnya, apabila seorang Pemegang Kad memohon Tunai Segera yang berjumlah RM10,000 untuk tempoh 12 bulan dengan kadar faedah sepadan yang berjumlah 6.99% setahun, ansuran bulanan Tunai Segera untuk 12 bulan ialah RM dan jumlah amaun pembayaran balik pada hujung 12 bulan adalah RM10,699. Bulan Prinsipal Asal (RM) [A] Ansuran Bulanan (RM) [B] Faedah yang kena dibayar (RM) [C] Pengurangan Prinsipal (RM) [D = B-C] Prinsipal yang belum dibayar (RM) [A-D] 1 10, , , , , , , , , , , , , , , , , , , , , Jumlah 10, , Sebarang pra pembayaran atau pembayaran yang lebih tidak akan mengurangkan amaun prinsipal yang belum dibayar atau ansuran bulanan yang berikut dan ia hanya akan dianggap sebagai pembayaran awal oleh Bank. Page 6 of 7
7 15. Selepas amaun Pindahan baki telah diluluskan, amaun yang sepadan dengan had Kad Kredit Pemegang Kad yang sedia ada akan dirizab untuk tujuan ini dan tidak akan diberikan kepada Pemegang Kad sehingga penyelesaian amaun Tunai segera. Bank tidak akan bertanggungjawab kepada Pemegang Kad untuk sebarang transaksi yang ditolak oleh pedagang akibat ketiadaan amaun yang dirizabkan di bawah had Kad kredit pemegang kad. Pada Tarikh Catatan, amaun Tunai Segera akan turut digunakan dan caj kewangan akan dicaj seterusnya menurut pelan Tunai Segera yang dipilih sejak daripada Tarikh Catatan. Untuk mengelak sebarang keraguan, Tarikh Catatan ialah tarikh caj dibilkan ke dalam Akaun Kad Alliance Bank Pemegang Kad yang terlibat. 16. Pemegang Kad hendaklah membuat pembayaran penuh bagi ansuran bulanan. Sekiranya Pemegang Kad gagal untuk membayar amaun ansuran bulanan secara penuh sebelum tarikh matang yang dinyatakan dalam penyata atau sekiranya pembayaran penuh tidak diterima oleh Bank atau sebelum tarikh matang pembayaran yang dinyatakan dalam penyata tersebut: i. Caj Lewat Bayar yang berjumlah satu peratus (1%) atas amaun ansuran yang tertunggak atau RM10, yang mana yang lebih tinggi (tertakluk kepada satu amaun maksimum RM100), akan didebitkan kepada akaun Kad Kredit Pemegang Kad sehingga amaun penuh diselesaikan; dan ii. caj kewangan semasa yang sebanyak 18% setahun akan dikenakan atas ke amaun baki yang tertunggak sejak tarikh matang sehingga tarikh penyelesaian penuh. 17. Tiada Fi Keluar ( Fi Keluar ) akan dikenakan sekiranya Pemegang Kad menamatkan dan/atau tidak meneruskan Tunai Segera dalam tempoh pembayaran pelan 12, 24 atau 36 bulan masing-masing. Setelah penamatan awal atau sekiranya Pemegang Kad membatalkan Kad Kredit, jumlah baki prinsipal yang tertunggak perlu dibayar dengan serta merta. Caj kewangan semasa sebanyak 18% setahun akan dikenakan ke atas jumlah baki prinsipal yang tertunggak sejak tarikh matang sehingga tarikh penyelesaian penuh. 18. Sekiranya penyelesaian lalai atau Kad Kredit Pemegang Kad ditamatkan untuk sebarang alasan, semua wang yang terhutang, jumlah ansuran bulanan yang tertunggak dan amaun yang belum dibilkan di bawah akaun Tunai Segera, bersama dengan caj kewangan yang berkenaan perlu dibayar dengan serta-merta oleh Pemegang Kad. 19. Sehubungan dengan Perjanjian Kad VISA/MasterCard Bank ( Perjanjian Kad ), sekiranya pembayaran minimum Baki semasa tidak diterima sepenuhnya sebelum tarikh matang, caj lewat bayar dan caj kewangan yang berkenaan akan dikenakan ke atas amaun yang tidak dibayar yang termasuk ansuran bulanan Tunai Segera atau sebahagian daripadanya. 20. Terma & Syarat yang terkandung di sini adalah tambahan dan tanpa prejudis kepada Terma & Syarat yang dinyatakan dalam Perjanjian Kad. 21. Bank berhak untuk mengikut budi bicara mutlaknya untuk mengubah, meminda, mengubahsuai, menyemak, menggantung dan/atau membatalkan mana-mana Terma & Syarat yang terkandung di sini dari semasa ke semasa dengan memberikan notis pendahuluan dua-puluh satu (21) hari dan Terma & Syarat terpinda akan menjadi efektif pada tarikh yang ditentukan oleh Bank dalam notis. 22. Pemegang Kad mengesahkan bahawa tiada pasangan, ibubapa, anak-anak, adik-beradik, pasangan mereka dan/atau tanggungan kewangan dan/atau ejen dan guarantor yang bekerja dengan Bank atau subsidiarinya atau berhubungan dengan pengarah, pegawai atau pekerja Bank atau subsidiarinya. Pemegang Kad berjanji untuk memaklumkan Bank dengan segera sekiranya sebarang hubungan tersebut dijalin/berniat untuk dijalin. 23. Terma & Syarat yang terkandung di sini ditadbir dan ditafsir mengikut undang-undang Malaysia dan Pemegang Kad bersetuju untuk patuh kepada bidang kuasa Mahkamah Malaysia. Page 7 of 7
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