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    Alliance Bank You:nique Card - Rates

    Alliance Bank has a wide range of credit cards on offer catering to the diverse requirements of its cardholders. Cardholders from different walks of life can benefit from the Alliance Bank credit cards as they not only offer a convenient mode of payment but also reward the cardholders anytime an expense is charged to the card. The You:nique card from Alliance bank, as the name suggests, offers cardholders unique benefits. The cards come in 3 variants each offering a unique benefit to the cardholder such as lowered interest rates, reward points or cash rebates. The card is also unique in that it can be personalised to the cardholder’s preference.

    Features

    • The card face can be customised to the cardholder’s liking. Cardholders can choose any photo to be printed on the face of the card.
    • The card comes in 3 variants. One offers lowered interest rates, the other offers cash rebates on expenses charged to the card, and the third variant earns reward points on expenses charged to the card.
    • The card charges a lower rate of interest on retail transactions.
    • The cardholder can enjoy greater affordability with the card as the annual fee of the card is waived for the first three years. Subsequent year’s annual fees can be waived when the cardholder charges a minimum of RM5,000 to the card in a year or swipes the card 12 times in the duration of the year.
    • The cardholder can also enjoy a higher cash withdrawal limit on the card. The cardholder can withdraw up to 80% of the assigned credit limit.

    Benefits

    • The cardholder can use the Flexi Payment Plan to make larger purchases without worrying about paying back the amount. Big ticket purchases are converted into smaller, affordable instalments with tenures of either 6 or 12 months. The plan charges a small upfront handling fee.
    • The card charges a lowered rate of interest of only 9% p.a. The lowered rate of interest is offered for the first 12 months. However if cardholders continue to make prompt minimum monthly payments on their card for 12 months in a row, the lowered rate of interest is offered for subsequent years as well.

    Eligibility Criteria

    Applicants are required to meet the following criteria to avail this card:

    • Minimum annual income required for the card is RM24,000
    • The minimum age of the primary cardholder must be 21 years
    • The minimum age of the supplementary cardholder must be 18 years

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card RM156.88 (Waived for first 3 years. Subsequent annual fees are waived when card is charged with RM5,000 in a year or swiped 12 times in a year)
    Annual fees – Supplementary card RM31.80 (Waived for first 3 years. Subsequent annual fees are waived when card is charged with RM5,000 in a year or swiped 12 times in a year)
    Late payment charges 1% of the outstanding balance or RM10 whichever amount is higher. The maximum fee charged is RM100.
    Cash advance fee 5.30% of the amount advanced or a minimum of RM15.90, whichever is higher.
    Overseas transaction conversion fee Transactions are converted using exchange rates set by Visa/MasterCard International and an additional fee of 1% is imposed as an administrative fee on the converted transaction by the Visa/MasterCard international
    Sales draft retrieval copy RM21.20 per copy
    Card replacement fee RM50 for every replacement
    Additional Statement request fee RM5.30 per copy
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