You are a You:nique snowflake


It was getting dark and I’ve been on the road for close to an hour. I stopped to ask for directions multiple times but I get conflicting instructions and end up driving around in circles. However, there is (neon) light at the end of the tunnel – I spotted the HQnine signage at TTDI! I was supposed to meet up with Nicholas for a couple of drinks at HQnine…it’s more comfortable than a rat-infested roadside mamak, that’s for sure.


It seems that we have (inadvertently?) gate-crashed an event – it was a sneak preview at Alliance Bank’s new You:nique credit card. Except they call it the Picture Card, and with good reason too – you can put your own photo (or any other photo for that matter) on the face of the card! I don’t have any reservations against admitting my narcissistic tendencies – I can already imagine my likeness on the face of the credit card. Imagine the looks you’ll be getting when you pull out a credit card with your photo on it from your wallet! =D


The card face is a tabula rasa – that’s “blank slate” for those of you who failed Latin. πŸ˜‰ You get to choose what goes on top of the credit card. It’s revolutionary! You can either upload your own photo or choose a photo (except anything from or veritas’ archives) and personalize your credit card!

We were subjected, er…I mean treated to a presentation by the good people at Alliance Bank about the features of the You:nique Picture Card. The website has a very user-friendly step-by-step process to guide you through the process of creating your very own personalized credit card.


The presentation concluded with a question and answer session, with the poor people at Alliance fielding all sorts of stupid questions. My apologies, there are no stupid questions, only stupid people…with yours truly being one of them. πŸ˜‰ I managed to glean quite a few details about the card that night from the barrage of questions I unleashed.


The amazing thing about the You:nique picture card is that you can choose the features you want!

Bargain hunter?

Choose Great Rebates – it gives you a 2% cash rebate for ALL retail purchases! Cash rebates regardless of where you shop…I can smell the demise of retail-credit card partnerships for specific store rebates. I love the smell of napalm in the morning. πŸ˜‰

Strapped for cash?

Choose Great Rates – it offers a flat finance charge of 9% per annum instead of the 18% other banks are charging you right now. I think this plan is going to put a lot of loan sharks out of business – interest rates are finally dropping below the “unlicensed credit facilities” benchmark. Heh! It’s perfect for people like me, who spend more than what they earn. πŸ˜‰

Love rewards?

Choose Great Rewards with its 2x (that’s DOUBLE) points reward for every retail purchase. You don’t have to wait for “promotion periods” – Alliance gives you TBP (Timeless Bonus Points) so you get twice the bang for your buck every time you swipe. It’s “promotion period” 24/7, 375 days a year with the You:nique credit card*!

* Except for leap years. It’ll be 366 days a year for leap years. Scared you with the asterisk, didn’t I? πŸ˜‰


It’s the first credit card in Malaysia to offer you the chance to personalize the face of the credit card. It’s also the first to allow you to CHOOSE the type of reward scheme you want! They agreed to match my credit limit, so I’m going to get one…a Alliance Bank You:nique card! I already have a couple of designs in mind to customize the Picture Card.

…because just like you, I am a beautiful and You:nique snowflake. πŸ˜‰

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