Alliance Bank You:nique Rates Credit Card

Apply for Alliance Bank You:nique Rates Credit Card by Alliance Bank

Customize your credit card with your favourite image and enjoy great savings with a low interest rate of 9% p.a. only!

Alliance Bank You:nique Rates Credit Card
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Product Highlights

Lowinterest
Low Finance Charges

Enjoy immediate low interest rate of 9% p.a. on your credit card balance for the first 12 months. Continue to enjoy this low rate as long as you pay.

Personalized
Personalize Your Credit Card

Add a personal touch to your card face. Upload your own image or choose from the You:nique image library.

Features

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
12 Months 6.99% p.a. with no one-time upfront handling fee From RM 1,000
18 Months 6.00% p.a. with no one-time upfront handling fee From RM 1,000
24 Months 7.99% p.a. with no one-time upfront handling fee From RM 1,000

Flexi Payment Plan

Flexi payment
Pay Over With Interest Rate At When You Spend
6 Months 0% p.a. with 2.5% one-time upfront handling fee From RM 500
12 Months 0% p.a. with 5.5% one-time upfront handling fee From RM 500
18 Months 0% p.a. with 7.0% one-time upfront handling fee From RM 1,000
24 Months 0% p.a. with 8.0% one-time upfront handling fee From RM 1,000

Fees and Charges

Annual Fee For Primary Card RM 148*
Annual Fee For Supplementary Card RM 30
Minimum Monthly Payment RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee RM 15 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals 18% p.a.

*Annual fee waived for the first 3 years. Subsequent years waived if you spend RM 5,000 p.a. and swipe 12 times a year

Interest Rate

15% Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months
18% Per Annum Tier 3: Cardholders who do not fall under the above categories

Requirements

Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old
Who Can Apply Malaysians only