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    Alliance Bank Rewards You:nique

    Alliance Bank offers a range of credit cards that cater to the varying requirements of its diverse consumer base. Cardholders not only enjoy a convenient mode of payment with the cards but can also reap benefits and rewards anytime they charge an expense to the card. The You:nique card from Alliance bank surely lives up to its name with its unique set of features. The cards come in 3 variants each offering a distinctive benefit to the cardholder. The card can also be personalised with any photo the cardholder wishes.

    Features

    • The card can be personalised with a photo or any other image the cardholder desires.
    • The card can be acquired in 3 variants. The card comes in a cash rebate version, the lower interest rate version, and the reward point version.
    • The card earns reward points on every expense charged to it.
    • The cardholder will also receive an annual fee waiver on the card for the first three years. Subsequent annual fees can be waived when the cardholder swipes the card 12 times over the year or charges a minimum of RM5,000 to the card in a year.
    • The cardholder can enjoy a cash withdrawal limit on the card which is up to 80% of the credit limit.

    Benefits

    • Cardholders can make larger purchases with ease through the Flexi payment Plan which converts purchases into smaller, more affordable monthly instalments with tenures of either 6 months or 12 months.
    • The cardholder earn up to 2X TBP (Timeless Bonus Points) on every expense charged to the card.
    • The cardholder will also earn points when using other financial products from Alliance Bank.
    • The cardholder is automatically enrolled into the Alliance OneBank rewards Program. Cardholders can use the TBPs earned and redeem them for exciting gifts.

    Eligibility Criteria

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

    • The minimum annual income required for this card is RM24000
    • The minimum age requirement for the primary cardholder is 21 years
    • The minimum age requirement for supplementary cardholder is 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 cardholder charges RM5,000 to the card or swipes it 12 times in a year)
    Annual fees – Supplementary card RM31.80 (Waived for first 3 years. Subsequent annual fees are waived when cardholder charges RM5,000 to the card or swipes it 12 times in a year)
    Finance charge on cash advance 5.3% of the amount advanced or a minimum of RM15.90, whichever amount is higher.
    Late payment charges 1% of the outstanding balance or RM10 whichever is higher. The maximum fee that can be charged is RM100.
    Cash advance fee 5.30% of the amount advanced or a minimum of RM15.90, whichever amount 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 per replacement
    Additional Statement request fee RM5.30 per copy
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