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    Alliance Bank You:nique Card - Rates

    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.

    Main Highlights:

    • Low-interest rate of just 9% p.a. on your credit card balance for 12 consecutive months.

    Best Suited for

    • Those who are looking for cards with low retail interest rates.

    Key Features and Benefits

    Features/Benefits Description
    Retail Interest Rate 9% p.a.

    Additional Benefits

    • Enjoy the same low-interest rate when you continue to pay the minimum payment amount promptly.
    • Personalise your card with your picture or any other image of your choice.
    • The annual fee of this card is waived for the first three years.

    Balance Transfer Plan

    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.

    FlexiPay

    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.

    Eligibility Criteria

    Minimum Age - Principal Cardholder 21 years
    Minimum Age - Supplementary Cardholder 18 years
    Minimum Income RM24,000 p.a.

    Documents Required

    Type of Applicant Required Documents
    Salaried Professionals (MNC/PLC)
    • 1 NRIC copy and 1 passport copy (both sides).
    • One of the following:
      • Payslip (latest 1 month).
      • Latest Borang BE with the validated receipt of payment to LHDN.
      • Latest EPF statement.
      • Latest EA form.
    Salaried Professionals (Non-MNC/PLC)
    • 1 copy of passport or 1 copy of NRIC (both sides).
    • One of the following
      • Latest EPF statement.
      • Payslips (latest 3 months).
      • Bank statements showing salary credit information (latest 3 months).
      • Latest Borang BE together with the validated receipt of payment to LHDN.
    Self-employed Professionals (Minimum 2 Years in Business)
    • 1 copy of passport or 1 copy of NRIC (both sides).
    • Form 9, 24, 49, Borang B/D or Business Registration Certificate.
    • One of the following:
      • Latest EPF statement.
      • Latest Borang BE together with the validated receipt of payment to LHDN.
      • Bank statement (latest 6 months).
    Commission Earners
    • 1 copy of working permit (minimum validity of 12 months from the application date).

    How to Apply

    You can apply for the Alliance Bank You:nique Credit Card—Rates online at BBazaar.my easily by providing your personal and financial details

    Fees and Charges

    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.

    Promotions

    • Get TGV tickets for RM12 when you buy the tickets via the mobile app. The promotion is valid from 1 May 2018 onwards, and is limited to 3,000 tickets capped daily.
    • Get 6% off all year round when you spend at Reebonz using your Alliance Bank You:nique Rates card. The promotion is valid until 31 December 2018 for selected merchandises.

    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.

    FAQs

    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:

  • Contact the bank's contact centre and report the lost card immediately. The bank will block your card.

  • Visit the bank's official website and follow the steps to personalise the image on the new card’s face.

    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.

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