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!

Alliance Bank You:nique - Great RewardsEarn Rewards Faster
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn 1x Timeless Bonus Point with every Ringgit spend locally and overseas. Get automatically enrolled into the Alliance OneBank Rewards Program, allowing you to earn Timeless Bonus Points on all Alliance Bank's financial products and services.

Timeless Bonus Points
1 point on every RM1on all local and overseas spends


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RM15 or 5% of withdrawn amount, whichever is higher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 Rewards is a unique credit card that features personalized card face, offers reward points for every Ringgit spent on retail transactions and an annual fee waiver for the first year!

Annual Fee Waiver

The annual fee for Alliance Bank You:nique credit card is RM148. But for the first year after the date of your credit card approval, the annual fee is waived. 

Moreover, you can still enjoy the advantage of annual fee waiver from the second year onward by spending a minimum RM5,000 or swipe your Alliance Bank credit card 12 times in a year!

Timeless Bonus Points

The You:nique - Great Rewards credit card by Alliance Bank is among top of its class for reward points collection. For every Ringgit you spend on retail purchases locally and overseas, you will earn 1x Timeless Bonus Point. 

This Timeless Bonus Points will be reflected on your next month’s statement and are calculated on the total spending incurred by both Principal and Supplementary Cardmember(s). 

The best part about Timeless Bonus Points is that it does not have an expiry date. So you can take your time spending with the You:nique - Great Rewards credit card, and after a while, redeem great products, services and even air miles. 

Want to earn more Timeless Bonus Points? Apply for any of Alliance Bank's financial products and services and get automatically enrolled into the Alliance OneBank Rewards Program.

Alliance OneBank Rewards

This is a points-based loyalty program that you can get yourself automatically enrolled into by, first, applying and activating your Alliance Bank credit card. It also provides a faster route for you to earn more Timeless Bonus Points by enhancing your total banking relationship with Alliance Bank. 

In other words, Alliance OneBank Rewards does not only reward Timeless Bonus Point when you spend on your Alliance Bank credit card, but also when you have more product holdings with the bank.

Personalize Your Credit Card

Do you like capturing beautiful moments and then frame them onto the wall? Now you can choose one of your favorite moments - whether your birthday, your engagement, your pet, your family - and display it on your Alliance Bank You:nique credit card face.

The personalization is free for the first time and can be updated as many times you like, subject to an interval of 60 days from the last change and a replacement fee of RM50, which is chargeable to the Principal cardholder.

Flexi Payment Plan

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 flexible line of credits with competitive rates, such as:

  • Balance Transfer Plan
  • 0% Instalment Payment Plan with participating merchants
  • Fast Cash Instalment