Alliance Bank You:nique - Great Rates credit card

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!

  • 9% p.a. interest rate
  • 20 days interest-free period
  • 6% p.a. balance transfer over 18 months
  • RM156.88 annual fee

Get A Free Barry Smith Luggage Bag With Your New Alliance Bank Credit Card!

Get A Free Barry Smith Luggage Bag With Your New Alliance Bank Credit Card!

Apply online now for Alliance Bank You:nique - Great Rates

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Benefits

Because you should be rewarded for giving the bank your business

Balance Transfer
Start paying off your accumulated credit debt with a low interest balance transfer starting from 6% p.a. with repayment periods of up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6% p.a. and no one-time upfront handling feefrom RM1000 
24 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Low 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!
Premium
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM156.88
  • Free for first 3 years
  • Waived when you spend RM5,000 or swipe 12 times for subsequent years
Annual Fee for Supplementary Card
RM31.80
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only

Features

Get some extra help from your credit card when you need it most

Cash Advance / Cash Loan
Alliance Bank FastCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Alliance Bank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Alliance Bank You:nique - Great Rates review

What's so good (or not so good) about it?

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

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