Alliance Bank You:nique - Great Rates is a unique credit card that features personalized card face, offers lower interest rate for credit card outstanding balance and an annual fee waiver for the first 3 years!
Annual Fee Waiver
You heard it right. Alliance Bank You:nique credit card is free for the first 3 years of ownership. If you do the math correctly, you can save a RM450 (exclusive of GST)-worth of annual fees.
Although for the following years you are subject to the annual fee, it can easily be waived by way of either spending a minimum of RM5,000 in a year or swipe your You:nique - Great Rewards credit card 12 times per year. Easy peasy!
Interest Savings
Suitable for credit cardholders who like to take advantage of low interest rate environment, Alliance Bank You:nique - Great Rates is the perfect credit card for you.
With an effective annual percentage rate ( APR) as low as 9% for 12 consecutive months, you are only paying an interest rate of 0.75% per month on your outstanding credit card balance - that is a significant savings on interest payments.
This interest rate is almost half of the range stipulated by Bank Negara Malaysia, which is around 15% to 18% per annum. You can do wonder with this kind of interest rate on your outstanding payment.
Personalize Your Credit Card
The unique feature of Alliance Bank You:nique credit card is that you can personalize your credit card with a picture of your lover, pet, or simply of a special moment you would like to have on your card face.
The image can be replaced as often as you would like to, subject to an interval of 60 days from the last change and a replacement fee (chargeable to Principal cardholder) of RM50.
Line of Credits
In times of needs, a credit card can function more than just a payment tool. Therefore, Alliance Bank You:nique credit card is equipped with necessary line of credits such as:
- Balance Transfer Plan
- 0% Instalment Payment Plan with participating merchants
- Fast Cash Instalment