Posted in Alliance Bank Credit Card, Credit Card

Alliance Bank You nique Credit Card

Alliance Bank You:nique Rates MasterCard Credit Card


  • 0% interest for first 3 months
  • 9% interest rate on subsequent months
  • Personalised Image to your card face
  • Lifetime Annual Fee Waiver*


Alliance Bank Malaysia Berhad

Minimum Income Requirement

RM24,000 per annum/ RM2,000 per month

Annual Fee

  • Principal Card: RM148
  • Supplementary Card: RM30
*Annual Fees waived for first 3 years
Annual fee waiver for subsequent year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period

Government Service Tax

Principal Card = RM50
Supplementary Card = RM25

Age Eligible

Principal Card = 21 years old
Supplementary Card = 18 years old

Interest Rate

  • 0% per annum – First 3 months
  • 9% per annum – 12 months Prompt payment with min repayment
  • 17% per annum – 10 months – 12 months prompt min repayment
  • 18% per annum – Others
  • 18% per annum – Cash Advance

Key Benefits

  • Great Savings with Low Interest Rate – Enjoy immediate low interest rate of 0% p.a. on your credit card balance for the first 3 months. Thereafter continue to enjoy a low interest rate of 9% p.a. as long as you pay promptly.
*9% per annum: Cardmembers who promptly settle their minimum payment amount due for 12
consecutive months will continue to enjoy lowered interest rate at 9% p.a.
  • Personalised Card Face – Add a personal touch to your card face. Upload your own image or choose from the You:nique image library
  • Flexi Payment Plan (FPP) – allows you to convert your retail purchases on your You:nique Credit Card into fixed installment amounts. Choose from either 6 or 12 months tenure. Handling fees apply.

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