Alliance Bank You:nique Rewards Card offers rewards points with every Ringgit spent on retail transactions. You can even personalise your card with a picture of your choice. Read further to learn more about this card's features and benefits.
Best Suited for
|Rewards on Retail Purchases||2x TBPs|
|Retail purchases||2x TBPs per RM1 spent|
If you have outstanding debt on a credit card from another bank, you can use the balance transfer facility to transfer the amount to your Alliance Bank You:nique Rewards Card. This is an effective way to pay off the remaining amount of your credit card balance at a lower interest rate. Take a look at the table below to understand the plan better:
|Repayment Tenure||Minimum Transfer Amount||Interest Rate|
|12 months||RM1,000||6.99% p.a.|
|18 months||RM1,000||6.99% p.a.|
|24 months||RM1,000||7.99% p.a.|
This card allows you to convert your purchases into affordable instalments using the FlexiPay facility. You can choose the repayment tenure of your choice. Take a look at the FlexiPay plan:
|Repayment Tenure||Minimum Purchase Amount||Interest Rate|
|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.|
|Salaried Professionals (MNC/PLC)||
|Salaried Professionals (Non-MNC/PLC)||
|Self-employed Professionals (Minimum 2 Years in Business)||
|Channel of Applicaiton||Procedure|
|Annual Fee (Principal Card)||RM148. Waived for the first 3 years Waived for subsequent years for a minimum spend amount of RM5,000 each year or minimum 12 swipes each year|
|Annual Fee (Supplementary Card)||RM30. Waived for the first 3 years Waived for subsequent years for a minimum spend amount of RM5,000 each year or minimum 12 swipes each year|
|Retail Interest Rate||15% to 18% p.a.|
|Cash Advance Interest Rate||18% p.a.|
|Cash Advance Fee||5% of the cash advance amount or RM15, whichever is higher.|
|Monthly Repayment Instalment||5% of the outstanding balance or RM50, whichever is higher|
|Late Payment Charges||1% of the outstanding balance or RM10, whichever is higher, subject to a maximum of RM100.|
|Overseas Transaction Fee||Conversion rates and charges are determined by Mastercard. An additional 1% foreign exchange spread will be charged by the bank.|
This card offers high rewards points for all eligible retail expenses. Additionally, you also get an annual fee waiver for the first three years. It is advisable to go through the card’s features and benefits, fees and charges, product disclosure sheet, and terms and conditions before applying for it.
Q. Are there any exclusions to earn TBPs?
A. Yes. TBPs are not issued for government transactions and petrol payments.
Q. How do I redeem the TBPs I have accumulated so far?
A. You can redeem your TBPs in the following ways:
Q. Will I be able to exchange the accumulated TBPs for cash?
A. No. TBPs have no cash or monetary value, and cannot be redeemed for cash.
Q. I want to change the card image to another one. When will I be able to change the image?
A. You can change the image after 60 days after getting the approval of the first image. If you want to change the image again, you need to wait for 60 more days from the last change. You will be charged RM50 a replacement fee when you replace an image.
Q. Can I get a continuous annual fee waiver?
A. Yes. You can enjoy an annual fee waiver when you spend a minimum of RM5,000 or when you swipe your card 12 times within a year.