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Home > eCosway - Alliance Bank MasterCard Payment Card > Frequently Asked Questions > Application

eCosway - Alliance Bank MasterCard Payment Card - Frequently Asked Questions

Application

1. What are the application requirements?
2. Will the application be subject to background checks? Is successful application guaranteed?
3. How fast will the Payment Card application be processed?
4. Can non-immediate family members of eCosway Business Owners, Privileged Shoppers apply for supplementary Payment Cards?
5. Can foreigners apply for the Card? If I am a foreigner studying in Malaysia, can I apply? What are the requirements?
6. Where do I submit my application?
7. If I am already holding an eCosway Alliance Bank Credit Card, can I also apply for the Payment Card?
8. If I cancel my eCosway Alliance Bank Credit Cards, can I reapply for the Payment Card easily?
9. If I am currently an eCosway Alliance BankCredit Cardholder based on my Fixed Deposit (FD) pledge, can I cancel my FD and apply for the Payment Card?
10. How do I know whether my application is approved and how do I get the card? Do I need to collect the card from a pre-selected bank branch?
11. If a person’s application for an eCosway Alliance Bank Credit Card or FD pledge was rejected for some reason, can he / she still apply for the Payment Card?
12. If an applicant is blacklisted by the Bank (due to prior submission of forged documents, etc) but not by Bank Negara, can he / she still get the Payment Card?
13. If the applicant applied for only the credit card(s) and did not select the Payment Card option on his/her application form, will the applicant be offered the FD pledge option if the credit card application is rejected?
14. Can the applicant opt for FD pledge instead of Payment Card, if their credit card application is rejected?

Application

1. What are the application requirements?
   The Payment Card application is only open to eCosway Business Owners and Privileged Shoppers. You will need to apply for the card(s) using either an eCosway Business Owner / Privileged Shopper ID.

   • Minimum Age:
     • Principal – minimum age 18 years
     • Supplementary – minimum age 18 years (only open to family members of principal cardholder)
   • Documentation required:
     • Copy of I.C. (both sides)
     • No other documentation is required for processing.
   • One-time joining fee:
     • Principal – RM 30 per card
     • Supplementary – RM 30 per card

   This one-time fee will be debited from your payment card account upon successful issuance of the Payment Card. You will need to load a minimum of RM 30 as an initial deposit into your card account after you collect your card, otherwise your Payment Card account will indicate that you are overdrawn by RM 30 and you will not be able to activate the card.

   You can load your Payment Card any time after the card is collected from an Alliance Bank branch. You will then need to call Alliance Bank’s Customer Service Dept to activate the card. Once a Customer Service Officer has verified that you have loaded the minimum RM 30 (for the joining fee), the card will be activated. If you loaded more than RM 30, you can then begin using your card. Back to top

2. Will the application be subject to background checks? Is successful application guaranteed?
   Alliance Bank will not check the applicant's credit history in order to determine eligibility or credit limits, but the Payment Card issuance is still subject to Bankruptcy and Blacklist File rules (so if an applicant is found to be bankrupt or blacklisted, the Payment Card cannot be issued). Back to top

3. How fast will the Payment Card application be processed?
   Duly completed applications for the Payment Card will be processed and if approved, the card will be issued by the 8th WORKING day after application submission.

   Please ensure that you submit completed forms so that the bank will be able to expedite application processing and issue the card to you as soon as possible. Incomplete application forms will need longer processing time or may be cancelled if the Bank is unable to contact the applicant due to incomplete information on the form. Back to top

4. Can non-immediate family members of eCosway Business Owners and Privileged Shoppers apply for supplementary Payment Cards?
   The supplementary Payment Cards are strictly for immediate family members and will not be issued to non-immediate family members. Back to top

5. Can foreigners apply for the Card? If I am a foreigner studying in Malaysia, can I apply? What are the requirements?
   In principle, the Payment Card can be issued to foreigners who have a work permit and are residing in Malaysia, and foreign students (with study permit) BUT each application is subject to the bank's evaluation.

   • Documentation required for foreign workers:

     • Copy of passport

     • Copy of Visa

     • Valid work permit

   • Documentation required for foreign students:

     • Copy of passport

     • Copy of Visa

     • Valid study permit (should be valid for more than 1 year from card issuance date)

     • Official records / documentation of student's registered course from college / institution (stating duration of course and tuition fees paid)

       Note: Cards issued to foreigners will expire yearly (instead of every 4 years) and will need to be renewed by the Bank. This means that the Bank will send you a letter to notify you of your card expiry and request that you collect your NEW Payment Card at a specified branch. You will also need to return your expired card, cut in half, upon collection of your new card. You do not need to pay any additional fees for card renewals. Back to top

6. Where do I submit my application?
   Application forms are to be submitted to Alliance Bank branches to the attention of Card & Payment Services. Back to top

7. If I am already holding an eCosway Alliance Bank Credit Card, can I also apply for the Payment Card?
   No, Payment Cards (both principal and supplementary) cannot be issued to existing eCosway Alliance Bank Credit Cardholders. This is because the credit card and payment card (be for principal or supplementary) cannot be tied to a single cardholder Identification Number. This also applies to cardholders of Alliance Bank’s other types of credit cards. Back to top

8. If I cancel my eCosway Alliance Bank Credit Cards, can I reapply for the Payment Card easily?
   Yes, the Payment Card can be issued to eCosway Alliance Bank Credit cardholders if they cancel their existing credit card(s). Back to top

9. If I am currently an eCosway Alliance Bank Credit Cardholder based on my Fixed Deposit (FD) pledge, can I cancel my FD and apply for the Payment Card?
   Yes. You can cancel the credit card, close your FD account, and apply for the Payment Card. Back to top

10. How do I know whether my application is approved and how do I get the card? Do I need to collect the card from a pre-selected bank branch?
    The bank will courier the card to you once your application has been approved. Within 1 week after you submit your card application, the bank will contact you to update you on the status of your application. If you do not hear from the bank after 1 week, please call Alliance Bank's Customer Service line at 03-2694 0000. Once you are notified of your card application approval, you can look forward to receiving your card via courier.
    
    Note: You are advised to still state your preferred bank branch for card collection in your application form, just in case you need to make other card collection arrangements. Back to top

11. If a person’s application for an eCosway Alliance Bank Credit Card or FD pledge was rejected for some reason, can he / she still apply for the Payment Card?
    Yes, that person is eligible to apply for the Payment Card subject to Alliance Bank and Bank Negara’s blacklist and bankruptcy regulations. Back to top

12. If an applicant is blacklisted by the Bank (due to prior submission of forged documents, etc) but not by Bank Negara, can he / she still get the Payment Card?
    Such applications will be considered on a case-to-case basis and is subject to the rationale and reason for the blacklisting. Back to top

13. If the applicant applied for only the credit card(s) and did not select the Payment Card option on his/her application form, will the applicant be offered the FD pledge option if the credit card application is rejected?
    Yes, if the applicant did not specifically select the Payment Card option on the application form, and does not qualify for a regular credit card, an offer letter will be issued asking him/her to choose either Payment Card or FD pledge. The applicant can then need to decide which option is preferred. Back to top

14. Can the applicant opt for FD pledge instead of Payment Card, if their credit card application is rejected?
    Yes, but please note that the FD pledge offer is not applicable for Payment Card applications that have been rejected due to bank regulations. Note: Should you have any further queries regarding your Credit Card or Master Payment Card applications, please call Alliance Bank’s 24-hour Customer Service line at 03–26940000 (this is not a toll-free number). Alternatively, you can email to ecosway@alliancebg.com.my. Back to top