Alliance Bank You:nique Rates Credit Card

Alliance Bank You:nique Rates Credit Card

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

Interest Rate

From 15.0% p.a.

Balance Transfer

6.0% p.a.

Cashback

N/A

Annual Fee

Free*

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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 promptly.

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.

Fees
Annual Fee Waiver

First 3 years annual fee waived, thereafter waived with a minimum spend of RM 5,000 or if you swipe 12 times within a 12 month period.

Features

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
12 months 6.99% p.a. and no one-time upfront handling fee from RM1000
18 months 6% p.a. and no one-time upfront handling fee from RM1000
24 months 7.99% p.a. and no one-time upfront handling fee from RM1000

Alliance Bank Flexible Payment Plan

Flexi payment
Pay Over With Interest Rate At When You Spend
6 months 2.5% one-time upfront handling fee from RM500
12 months 5.5% one-time upfront handling fee from RM500
18 months 7% one-time upfront handling fee from RM1000
24 months 8% one-time upfront handling fee from RM1000
  • Flexible Payment Plan (FPP) allows you to convert any retail purchases made with your Alliance Bank Credit Card at any merchant into manageable fixed installment amounts.

Fees and Charges

Annual fee
  • RM156.88. Free for the first 3 years.
  • Waived when you swipe 12 times a year.
  • Waived when you spend RM5,000 a year.
Annual Fee for Supplementary Card RM31.80
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate 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

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