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Alliance Bank You:nique Card

Alliance Bank You:nique Card

 

  • Annual Fee: Waived with minimum spend of RM5,000 or 12 swipes per annum
  • Unlimited cash rebates on all spending
  • Earn 2X Timeless Bonus Points* (TBP) with every Ringgit you spend.
  • Petrol Cashback: Not applicable for reward points
Minimum Monthly Income
Minimum Monthly Income

RM 3

Interest Rate
Interest Rate

9% p.a.

Balance Transfer
Balance Transfer

0% for 6 months

Annual Fee
Annual Fee

RM 148.00

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback
  • Up to 3% on all retail purchases, without any restrictions on petrol, groceries or specific merchants.
You:nique Rebates
Tier Rates Range (RM)
Tier 1 0.5% 0 - 1,000
Tier 2 1.5% 1,001 - 2,000
Tier 3 3.0% 2,001 - 3,000
Tier 4 0.30% >3,001
Rewards

Double Up Your Rewards

  • Earn 2X Timeless Bonus Points* (TBP) with every Ringgit you spend.

excluding petrol and government agencies transactions.

Balance Transfer
Balance Transfer Tenure 6 Months** 12 Months 18 Months 24 Months
Interest Rate 0.00% p.a. 6.99% p.a. 6.99% p.a. 7.99% p.a.
Normal Finance Charges RM819.00 RM1,485 RM2,015 RM2,445
Alliance Balance Transfer Plan ZERO RM699 RM1,049 RM1,598
Total Savings RM819.00 RM786 RM967 RM847

 

Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

0.75%

9%

Cardmembers who promptly settle their minimum payment amount due for 12 consecutive months

Tier 2

1.42% 17% Cardmembers who promptly settle their minimum payment amount due for 10 months or more in 12 consecutive months
Tier 3 1.50% 18% Cardmembers who do not fall within the above categories
FEES & CHARGES
Annual fee RM 148.00
Annual fee condition Waived for first 3 years, subsequent waived with minimum spend of RM5,000 or 12 swipes per annum
Annual fee for suplementary card RM 30.00
Minimum monthly payment 5% of the outstanding balance or RM50, whichever is higher
Late payment interest Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher subject to a maximum of RM100
Finance charge interest rate per month 0.75%
Finance charge interest rate per year 9%
Cash withdrawal 5% of the amount advanced or a minimum of RM15.00, whichever is higher
Cash withdrawal interest rate 18% per annum daily interest
Balance transfer interest rate 0% for 6 months
Balance transfer max valid duration Up to 24 months

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