*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!
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.
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.