Logo

Alliance Bank Kad You:nique - Rates

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 2000
  • icon Kadar Faedah
    Kadar Faedah
    9% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    Percuma

Ciri Utama

  • Enjoy lower interest rate @ 9% p.a on your credit on prompt payment for consecutive 12 months*
  • Flexi Payment Plan that allows you to convert retail purchases into fixed instalment amounts
  • Use an image of your choice to personalize the look of your card
  • icon dining Makan

    Nikmati kadar faedah yang lebih rendah @ 9% dalam kredit anda pada pembayaran segera selama 12 bulan berturut-turut *
  • icon petrol Petrol

    Nikmati kadar faedah yang lebih rendah @ 9% dalam kredit anda pada pembayaran segera selama 12 bulan berturut-turut *
  • icon groceries Barangan Runcit

    Nikmati kadar faedah yang lebih rendah @ 9% dalam kredit anda pada pembayaran segera selama 12 bulan berturut-turut *
  • icon shopping Beli-Belah

    Nikmati kadar faedah yang lebih rendah @ 9% dalam kredit anda pada pembayaran segera selama 12 bulan berturut-turut *
  • icon entertainment Hiburan

    Nikmati kadar faedah yang lebih rendah @ 9% dalam kredit anda pada pembayaran segera selama 12 bulan berturut-turut *

icon tag Other Features

  • Pindahan Baki*: 6 bulan: 2.99% setahun; min. pindahkan RM1, 000; 0% yuran pendahuluan sekali *, 12 hingga 48 bulan: 9.88% setahun; min. pindahkan RM1, 000; 0% yuran pendahuluan sekali sahaja *
  • Pelan Ansuran: Pelan Bayaran Ansuran 0% untuk semua peniaga yang mengambil bahagian

icon entertainment Card Information

Gaji Minimum Bulanan RM 2000
Min. age for principal holder 21
Fee for principal holder Percuma
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder RM30
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
Cash advance amount Sehingga 80% dari had kredit
Cash advance charge RM15.90 atau 5.3% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Cash advance interest charge 18% setahun dari jumlah pendahuluan tunai
Rewards points expiry Tiada tamat tempoh

icon review
Product Review by

The Unique Card for You

*Alliance Bank You:nique - Rates offers one of the lowest finance charge in the market, only 9%, should you promptly settle the minimum payment due for 12 consecutive month, you may continue to enjoy this low rate. Card members who promptly settle their minimum payment amount due for 12 consecutive months will continue to enjoy lowered interest rate @ 9% p.a. BNM tiered interest rates will prevail for card-members who do not meet the above criteria. Attractive balance transfer option is available, however 0% for 6 months for New to bank customer only. Ultimately, you also get to personalize your card with an image of your choice!

Fees and Charges

There is no annual fee charged for the first year. Thereafter the annual fee can be waived with 12 swipes a year or with a minimum amount spend RM5,000, otherwise it’s RM148 for principal card holder and RM30 for supplementary card holders. By settling your payments promptly on time (settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) for 12 consecutive months, you get to enjoy a lower finance charge of 15% per annum, 17% per annum for prompt payment for at least 10 out of 12 months and 18% per annum if any of the above is not met. There are late payment charges being charged if you failed to make a payment to your credit card on time or after the due date of your payment. The charges are RM10 or 1% of outstanding balance, whichever is higher (up to RM100). This card also offers the cash advance withdrawal which is up to 80% of your credit limit. Furthermore the flexi payment plan allows you to convert your retail purchases on your You:nique Credit Card into fixed instalment amounts. To enjoy 0% finance charge for the first 3 months, all you do is pay the minimum payment due and free yourself from high interest rate.

Are You Eligible For The Alliance Bank You:nique - Rates?

You are eligible to apply for Alliance Bank You:nique - Rates, if you earn a minimum income of RM2,000 and to be at least 21 years old for principal holder and at least 18 years old for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Alliance Bank Classic Credit Card and CIMB Cash Rebate Gold Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Alliance Bank credit cards and start comparing today!