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
  • 0% p.a. balance transfer over 6 months
  • RM148.00 annual fee
  • Earn up to 2x reward points 

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Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!


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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 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
EarnSpent
2 points on every RM1on all local and overseas spends
Rewards points earned never expires
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 RM3000 
12 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
24 months9.88% 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.
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
RM148.00
  • First 3 years free
  • Waived when you spend RM5,000 or swipe 12 times within a 12-month period for subsequent years
Annual Fee for Supplementary Card
RM30.00
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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
80% of total amount

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
Anybody

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 Rewards review

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

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 3 years!

Annual Fee Waiver

The annual fee for Alliance Bank You:nique credit card is RM148. But for the first 3 years 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 third 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 2x Timeless Bonus Points. 

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 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

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