Alliance Bank You:nique - Great Rebates credit card

Alliance Bank You:nique - Great Rebates

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

  • 9% p.a. interest rate
  • 20 days interest-free period
  • up to 3% cashback
  • 2.99% p.a. balance transfer over 6 months
  • RM148.00 annual fee
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Get unlimited cashback when you spend up to RM3,000 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.
Discover how much you can save when you shop with your new Alliance Bank You:nique - Great Rebates
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM2001 up to RM3000 monthly3%RM30from RM2001 up to RM3000 monthly
All RetailSpendfrom RM1001 up to RM2000 monthly1.2%RM12from RM1001 up to RM2000 monthly
All RetailSpendfrom RM3001 and above monthly0.3%uncappedfrom RM3001 and above monthly
Balance Transfer
Start paying off your accumulated credit debt with a ZERO interest for up to 6 months with a minimum transfer of RM1,000 only.
Pay OverWith Interest Rate AtWhen You Transfer
6 months2.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
24 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
48 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
Petrol
Save up with Alliance Bank You:nique - Great Rebate that lets you earn up to 3% cashback at any petrol stations in Malaysia.
Low Interest Rate
Enjoy 9% lower finance charge when you promptly settle your outstanding amount for 12 consecutive months.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM148.00
  • Free for first year
  • Waived when you spend RM5,000 or swipe 12 times within a 12-month period for subsequent years
Annual Fee for Supplementary Card
RM30.00
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
80% of total amount
Contact-less Payment Methods
MasterCard PayPass

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Cash Advance / Cash Loan
Alliance Bank FastCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Alliance Bank Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Alliance Bank You:nique - Great Rebates review

What's so good (or not so good) about it?

*Known for its card personalisation feature, please note that the feature will be discontinued starting 1 January 2020. Cardholders will receive a generic Alliance Bank You:nique credit card upon the next card renewal or a card replacement.

Alliance Bank You:nique Great Rebates - 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 up to RM3,000 every month, you can earn cashback without any monthly capping!

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.

Alliance Bank You:nique 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

Alliance Bank You:nique Great Rebates Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (Per Annum)
Prompt Repayment every month 9%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%

Previously, the 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

The finance charge is now based on the prevailing tiered interest rate (above) that 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 Fees and Charges include:

  • 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 of you Alliance Bank You:nique Great Rebates are carried forward from the previous month's statement cycle are paid in full.

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