Alliance Bank You:nique Rates Card is the only credit card offered by Alliance Bank that comes with a low retail interest rate. Not just this, you can also customise the card with your photograph or any other picture you prefer.
Best Suited for
|Retail Interest Rate||9% p.a.|
Use the balance transfer facility to transfer the unpaid amount of another credit card to your Alliance Bank You:nique Rates Card at a low-interest rate. This is a great way to reduce your unconsolidated debt. Take a look at the card’s balance transfer plan.
|Tenure||Minimum Transfer Amount||Rate of Interest|
|12 months||RM1,000||6.99% p.a.|
|18 months||RM1,000||6.99% p.a.|
|24 months||RM1,000||7.99% p.a.|
Use the FlexiPay facility to convert your retail purchases into convenient monthly instalments. The interest rate starts at just 2.5% p.a. and the tenure can go up to 1 year.
|Tenure||Minimum Purchase Amount||Rate of Interest|
|6 months||RM500||2.5% p.a.|
|12 months||RM500||5.5% p.a.|
|Minimum Age - Principal Cardholder||21 years|
|Minimum Age - Supplementary Cardholder||18 years|
|Minimum Income||RM24,000 p.a.|
|Type of Applicant||Required Documents|
|Salaried Professionals (MNC/PLC)||
|Salaried Professionals (Non-MNC/PLC)||
|Self-employed Professionals (Minimum 2 Years in Business)||
You can apply for the Alliance Bank You:nique Credit Card—Rates online at BBazaar.my easily by providing your personal and financial details
|Type of Fees||Charges|
|Annual Fee (Principal Card)||RM148.|
|Annual Fee (Supplementary Card)||RM30.|
|Retail Interest Rate||9% p.a. to 18% p.a.|
|Cash Advance Interest Rate||18% p.a.|
|Cash Advance Fee||A minimum of RM15 or 5% of the cash advance amount, whichever is higher.|
|Monthly Repayment Instalment||RM50 or 5% of the outstanding balance, whichever is higher|
|Late Payment Charges||RM10 or 1% of the outstanding balance, whichever is higher, subject to a maximum of RM100.|
|Overseas Transaction Fee||The rates of conversion are determined by Mastercard. An extra 1% as foreign exchange spread will also be charged.|
Enjoy low retail interest rates with your Alliance Bank You:nique Rates card. You can also add a personal touch to the card by adding your favourite picture on the card face. Go through this card’s features and benefits, fees and charges, terms and conditions, and product disclosure sheet before opting for the card.
Q. Will the retail interest rate change if I fail to make the minimum payment amount on time?
A. Yes. If you do not pay the minimum payment amount promptly, you will be charged from 15% to 18% depending on how many months you take to make the payment.
Q. What should I do if my card is stolen?
A. If your card is stolen, follow the below steps:
Q. Can I use any image for my credit card?
A. Only images which follow the bank's image design guidelines will be accepted. Once you submit a picture, it will be evaluated by the bank and approved if it complies with their guidelines.
Q. What is the size and format requirements of the image?
A. The maximum allowable size of the image is 2MB. You can upload the image in JPEG format. Also, the minimum resolution accepted for the image is 1020 x 660 pixels.
Q. Can I get an annual fee waiver with this card apart from the first 3 years?
A. Yes. You can enjoy annual fee waiver when you make transactions of minimum RM5,000 or when you swipe your card 12 times within a year.