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
  • Easy Payment Plan (EPP)
  • RM156.88 annual fee

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
You can easily solve your credit card debt problems with a switch to a new Alliance Bank You:nique credit card. Alliance Bank Balance Transfer offers interest rates of only 6% per annum with payment terms of 12 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)
Alliance Bank Flexible Payment Plan offers payment terms of 6, 12, 18 and 24 months with low upfront handling fee from 2.5% for a minimum spend of RM500. Perfect for purchases you absolutely have to make, but don't have the money for right away.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5.5% one-time upfront handling feefrom RM500 
18 months7% one-time upfront handling feefrom RM1000 
24 months8% one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Flexible Payment Plan
Low Interest Rate
Release yourself once and for all from the burden of high interest charges every month. With this no-frills card, your interest rate is cut drastically from 18% p.a. to only 9% p.a. on balances, giving you the savings where it matters most. Also, your You:nique Credit Card provides 0% finance charge for your first 3 months' spending. Simply pay the minimum payment due to enjoy this benefit!
Premium
Want a nice picture of your pet on your card? How about your all time favourite meme? You can now do that with the super personalised You:nique credit card. Just go on the Alliance bank website and upload your image or choose from the image library.

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%

*inclusive of 6% GST

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

Easy Payment Plan
Alliance Bank Flexible Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
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?

Fancy having a customised credit card design using your own favourite photo? It can be a snapshot of you after a stylish makeover or even the picture of your beloved pet. Yes, now there is one credit card that can let you do that – Alliance Bank You:nique. Plus, this credit card is also packed for great benefits.

Interest Savings

With an effective annual percentage rate ( APR) as low as 9% on outstanding balances if you settle at least the minimum payment required on time for 12 consecutive months, Alliance Bank You:nique credit card cardholders can enjoy significant savings on interest payments. This interest rate is almost half of the range stipulated by Bank Negara Malaysia at 15 to 18%. Take this advantage to clear off your credit card debts that you had trouble paying in the months before. 

Balance Transfer

More savings on interest payments are installed for Alliance Bank You:nique cardholders when they opt for the Alliance Bank Balance Transfer programme. This feature allows cardholders to transfer outstanding balances from other credit cards or charge cards to Alliance Bank You:nique credit card at just 6% per annum. The total amount can be settled in 12, 18 or 24 months. 

So make your life a little easier and get debt free faster.

Easy Payment Plan ( EPP)

It is also easy for Alliance Bank You:nique cardholders to shop for big ticket items and pay for them over a period of time using the Flexible Payment Plan offered by Alliancebank. Under the EPP, cardholders can charge a minimum purchase of RM500 to Alliance Bank You:nique  credit card and enjoy payment terms of 6, 12 18 and 24 months with one-time handling fee of 2.5%.

Annual Fee Waiver

Owning the Alliance Bank You:nique credit card is a breeze. Minimum Income level is set at RM24000 per year and the applicant must be at least 21 years old. Annual fee for this card is RM156.88 but this can be easily waived with just 12 swipes in a year.

Truly Yours

Alliance Bank You:nique credit card is big on cash rebates, reward points and helping cardholders to save on interest payments. Most significantly, it is a credit card with an identity that is uniquely yours.

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