Alliance Bank You:nique - Great Rebates

Get cashback as high as 3% on the things you spend the most money on with your uniquely personalised Alliance Bank You:nique credit card.

Alliance Bank You:nique - Great RebatesUnlimited Cashback
Min. Income
Annual Fee
up to 3%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get unlimited cashback when spending RM3,000 and above on retail purchases, without any restrictions on petrol, groceries or specific merchants. This is truly a one-of-a-kind cashback credit card for anything, anytime, anywhere.

Cashback categoryCashback rateMonthly capSpend
All Retail1.2%RM12from RM1,001 up to RM2,000 monthly
All Retail3%RM30from RM2,001 up to RM3,000 monthly
All Retail0.3%uncappedfrom RM3,001 and above monthly


Think you're paying too much for a liter of RON95 or RON97? Save up with Alliance Bank You:nique - Great Rebate that earn up to 3% cashback at any petrol station whether it's a Caltex, Petronas, Shell, BHP or Petron anywhere in Malaysia.


Personalize your Alliance You:nique credit card at the bank's website. Upload your favorite image or select from the image library and simply submit your contact details.

Balance Transfer

Start paying off your accumulated credit debt with a ZERO interest for up to 6 months with a minimum transfer of RM3,000 only.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM3,000
12 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
18 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months9.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Alliance Bank Balance Transfer Plan

Fees & Charges

Annual Fee
  • RM148 primary card

    Free for first year

    Waived when you spend RM5,000 or swipe 12 times within a 12-month period for subsequent years

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 80%


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Cash Advance / Cash Loan
Alliance Bank FastCash
Get the money you want when you need it with the Alliance Bank FastCash plan
Balance Transfer Plans
Alliance Bank Balance Transfer Plan
Switch to the Alliance Bank Balance Transfer Plan to enjoy low interest rates starts from 9.88% p.a. when you transfer a minimum of RM1,000. You can even earn reward points on your transferred balance.


Alliance Bank You:nique - Great Rebates is a unique credit card that features personalized card face, offers unlimited cashback for every Ringgit spent on all transactions and an annual fee waiver for the first year!

Annual Fee Waiver

You heard it right. 

Alliance Bank You:nique credit card's annual fee is free for the first year of ownership, which means you get to save RM148.

Although for the following years you have to pay for the annual fee, it can easily be waived by way of either spending a minimum ofRM5,000 in a year or swipe your You:nique - Great Rebates credit card 12 times per year.

Unlimited Cash Rebates

Tired of being told that you can't have what you want? Now you can prove them wrong with Alliance Bank You:nique - Great Rebates credit card. 

Spend with all your might on all things and everywhere with Alliance Bank You:nique - Great Rebates to earn an attractive cashback of up to 3% every month.

After spending RM3,000 and above, you can earn cashback without any monthly capping!

Personalize Your Credit Card

The unique feature of Alliance Bank You:nique credit card is that you can personalize your credit card with a picture of your lover, pet, or simply of a special moment you would like to have on your card face.

The image can be replaced as often as you would like to, subject to an interval of 60 days from the last change and a replacement fee (chargeable to Principal cardholder) of RM50.

Line of Credits

In times of need, a credit card can function more than just a payment tool. Therefore, Alliance Bank You:nique credit card is equipped with necessary line of credits such as:

  • Balance Transfer Plan
  • 0% Instalment Payment Plan with participating merchants
  • Fast Cash Instalment

Finance Charge

What are the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (Per Annum)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%

Previously, finance charge is only imposed on the below that are not paid after the payment due date:

  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date

Finance charge is now based on the prevailing tiered interest rate (above) will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are settled in full.

All Fess and Charges includes:

  • Retail Transactions
  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges

Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.

This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.

In fact you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances carried forward from the previous month's statement cycle are paid in full.