Alliance Bank You:nique Rewards Credit Card

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

Earn points faster and maximize your rewards with Alliance Bank You:nique Credit Card! You can also customize your card with your favorite image!

Alliance Bank You:nique Rewards Credit Card
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Product Highlights

No expiry
Timeless Bonus Points

Get the Timeless Bonus Points that will not expire!

Reward
Alliance OneBank Rewards

Get automatic enrolment into the Alliance OneBank Rewards program which allows you to earn Timeless Bonus Points from other financial products you purchase with Alliance Bank

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

Rewards

Local rewards
Earn Spent In
2 Timeless Bonus Points Per RM 1 All local and overseas spending
  • Your Timeless bonus points will never expire

Balance Transfer

Balance transfer img
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 img
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Cash Withdrawal Fee RM 15 or 5% of the withdrawn amount, whichever is higher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