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.

Unlimited Cashback

Alliance Bank You:nique - Great Rebates
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 3%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

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

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

Features

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.

Petrol

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.

Premium

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.

Fees & Charges

Annual Fee
  • RM148 primary card

    Free for first year,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 approval 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
18%
Daily Maximum Cash Withdrawal
RM -

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Review

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 of RM5,000 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 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 needs, 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