• Credit Card BYTES FROM OUR KITCHEN

    Alliance Bank Rewards You:nique

    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.

    Main Highlights:

    • Earn 2x Timeless Bonus Points for every RM1 spent on retail transactions.

    Best Suited for

    • Those who want to increase their monthly savings.

    Key Features and Benefits

    Features/Benefits Description
    Rewards on Retail Purchases 2x TBPs

    Additional Benefits:

    • Get enrolled automatically to the Alliance OneBank Rewards programme when you shop using the card.
    • Customise your card with an image of your choice.
    • Enjoy an annual fee waiver for the first three years.

    How to Earn Rewards

    Category Rewards Details
    Retail purchases 2x TBPs per RM1 spent

    Balance Transfer Plan

    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.

    FlexiPay

    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.

    Eligibility Criteria

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

    Documents Required

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

    How to Apply

    Channel of Applicaiton Procedure
    Online Application
    • Visit Alliance Bank's website.
    • Go to the respective card page
    • Fill in the application form.
    • Upload the supporting documents.
    • Submit the form
    Offline Application
    • Visit the closest Alliance Bank branch.
    • Request for the application form for Alliance Bank You:nique Rewards card.
    • Fill in the application form.
    • Submit the form along with supporting documents.

    Fees and Charges

    Fees Charges
    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.

    Promotions

  • Enjoy an interest-free 6-month balance transfer plan with this card. This offer is valid for new cardholders only. The promotion is ongoing until 30 January 2019.

  • Use the promo code MCMY6 and get a discount of 6% when you shop at Reebonz using your Alliance Bank You:nique Rewards card. The promotion is ongoing until 31 December 2018.

    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.

    Frequently Asked Question’s

    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:

  • Call the bank.

  • Visit the nearest branch.

  • Download the redemption form from the website, and mail or fax it to the bank.

    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.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.