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 an annual fee waiver from the second year onward by spending a minimum of 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 the 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 need, a credit card can function more than just a payment tool.
Therefore, Alliance Bank You:nique credit card is equipped with a flexible line of credits with competitive rates, such as:
- Balance Transfer Plan
- 0% Instalment Payment Plan with participating merchants
- Fast Cash Instalment
What are the interest rate imposed on repayments?
|Conditions of Repayments||Tiered Interest Rate (Per Annum)|
|Prompt Repayment every month||15%|
|Prompt Repayment 10 out of 12 months||17%|
|Prompt Repayment less than 10 out of 12 months AND New Cardmembers||18%|
Previously, finance charge is only imposed on the below that are not paid after the payment due date:
- Retail transaction - finance charge is calculated from the posting date till full payment is made
- cash advances/withdrawal transaction - finance charge is calculated from the transaction date
Finance charge is now based on the prevailing tiered interest rate (above) will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).
These are carried forward from the previous statement until the outstanding balances are settled in full.
All Fess and Charges includes:
- Retail Transactions
- Annual Fee
- Cash Advance Fee
- Card Replacement Fee
- Statement Copy Fee
- Sales Draft Retrieval Copy Fee
- Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges
Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.
This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.
In fact you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances carried forward from the previous month's statement cycle are paid in full.