Earn points faster and maximize your rewards with Alliance Bank You:nique Credit Card! You can also customize your card with your favorite image!
Get the Timeless Bonus Points that will not expire!
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
Add a personal touch to your card face. Upload your own image or choose from the You:nique image library.
| Earn | Spent In |
|---|---|
| 2 Timeless Bonus Points Per RM 1 | All local and overseas spending |
| 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 |
| 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 |
| 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| Cash Withdrawal Fee | RM 15 or 5% of the withdrawn amount, whichever is higher |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
| 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 |
| 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 |
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