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
RM2,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

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
EarnSpend
1 point on every RM1on all local and overseas spends

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.

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 activation 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RM15 or 5% of withdrawn amount, whichever is higher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
18%
Daily Maximum Cash Withdrawal
Up to 80%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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.

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