Alliance Bank You:nique - Great Rates

Enjoy great savings and amazing interest rates with 0% for your first 3 months' spending. Choose your own card image for the ultimate personalised card!

Alliance Bank You:nique - Great RatesLow Interest Rates
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
9% p.a.
20 days

Interest Rate

Enjoy a low interest rate of 9% p.a. on outstanding credit card balance for 12 months, instead of 15% to 18% p.a., with Alliance Bank You:nique - Great Rates. Suitable for those who love to take advantage of competitive interest rate!


Personalize your Alliance You:nique credit card at the bank's website. Upload your favorite image or select from the image library and simply submit your contact details.

Balance Transfer

Start paying off your accumulated credit debt with a ZERO interest for up to 6 months with a minimum transfer of RM3,000 only.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3,000
12 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
18 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Alliance Bank Balance Transfer Plan

Fees & Charges

Annual Fee
  • RM148 primary card

    Free for first year

    Waived when you spend RM5,000 or swipe 12 times within a 12 month period for subsequent years

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 80%


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Cash Advance / Cash Loan
Alliance Bank FastCash
Get the money you want when you need it with the Alliance Bank FastCash plan
Balance Transfer Plans
Alliance Bank Balance Transfer Plan
Switch to the Alliance Bank Balance Transfer Plan to enjoy low interest rates starts from 9.88% p.a. when you transfer a minimum of RM1,000. You can even earn reward points on your transferred balance.


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 year!

Annual Fee Waiver

You heard it right. Alliance Bank You:nique credit card's annual fee is free for the first year of ownership. If you do the math correctly, you get to save RM148.

Although for the following years you have to pay for 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.

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