Alliance Bank You:nique Rewards Credit Card

Alliance Bank You:nique Rewards Credit Card

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Alliance Bank You:nique Rewards Credit Card
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Product Highlights

No expiry
Timeless Bonus Points

Earn up to 3X Timeless Bonus Points that you can use for shopping or to redeem free flights!

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.

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

Rewards

Local rewards
Earn Spent
2 Timeless Bonus Points on every RM1 spent on all local and overseas spend
  • You will automatically be enrolled in the Alliance OneBank Rewards Program.
  • The OneBank Rewards Program allows you to earn Bonus Points on all Alliance Bank financial products.
  • Petrol and government transactions do not earn bonus points.
  • Your bonus points will never expire.

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.

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

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Cash withdrawal fee RM15.90 or 5.30% of withdrawn amount, whichever is higher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