Alliance Bank You:nique - Great Rewards credit card

Alliance Bank You:nique - Great Rewards

Maximise your rewards and earn points faster on your shopping with the Alliance Bank You:nique credit card. Personalise your card with your favourite picture, for free!

  • 15% 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
  • Earn up to 2x reward points 

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

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Double Up Your Rewards. Earn 2x Timeless Bonus Points (TBP) with every Ringgit you spend. You will also be automatically enrolled into the Alliance OneBank Rewards Program allowing you to earn Bonus Points on all Alliance Bank financial products. TBP is not awarded for petrol and government services.
Timeless Rewards
EarnSpent
2 points on every RM1on all local and overseas spend
Rewards points earned never expires
Balance Transfer
If you've got a mountain of credit card debt, and paying the minimum every month is not an option, go with the Alliance Bank Balance Transfer with interest rates from 6%p.a. and repayment period 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)
Alliance Bank Flexible Payment Plan offers payments terms of up to 24 months on your retail purchases. You will only need to pay a one-time handling fee of 2.5% on a minimum spend of RM500.
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
Have the convenience of 0% interest on all your spending for the first 3 months, no matter how much you spend on your Alliance Bank credit card.
Premium
You can personalise your Alliance You:nique credit card at the bank's website. Upload your favourite image or select from the image library and simply submit your contact details. Got a funny picture you'd want on a card? Go for it!

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 Rewards review

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

We've all got a photo that makes us smile and feel warm inside - now you can place that image wherever you go with your Alliance Bank You:nique - Great Rewards credit card. Other than that, get double the points for every RM1 charged on your credit card. 

Own Your Credit Card!

Got a picture of your lover, pet, or simply of a laugh-out-loud moment you'd like to have on your card face? Just go onto the Alliance Bank website to customise your card face, for free!

It's All About Rewards

With every Ringgit you spend, you will earn 2x Timeless Bonus Points (TBP). Accumulate your points and use them to redeem gifts. No need to make an application, you will get automatic enrolment into the Alliance OneBank Rewards Program, which allows you to earn TBP on other financial products with Alliance Bank. However, take note that TBP is not awarded for expenses on petrol and government services. A wide range of rewards from appliances, gadgets, timepiece, lifestyle, travel and more are waiting for you to bring back!

Annual Fee Waiver

You've got reward points in check, but you will also save on fees for the Alliance Bank You:nique credit card. Get this, your annual fee for the first 3 years will be waived. For the following years, annual fee can be easily waived with a minimum spend of RM5000 or swipe your card 12 times within a year.

Easy Payment Plan ( EPP)

Find it too burdensome to pay off your big ticket purchases in one shot? You can now convert your retail purchases on your You:nique Credit Card into fixed installment amounts. Simply choose from either 6 or 12 months tenure depends on your financial situation. However, you will be paying a one-time handling fees of 2.5% or 5% of your purchase amount.

0% Finance Charge

Alliance Bank You:nique – Great Rewards helps you to save from high interest payment.You can enjoy 0% finance charge on your You:nique Credit Card spending for the first 3 months. No interest would be charged during this period no matter how much you spent! To enjoy this benefit, you just need to pay the minimum payment due.

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