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 uniquely personalised Alliance Bank You:nique credit card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 3% cashback
  • 6% p.a. balance transfer over 18 months
  • Easy Payment Plan (EPP)
  • RM156.88 annual fee

Apply online now for Alliance Bank You:nique - Great Rebates

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Because you should be rewarded for giving the bank your business

Get unlimited cashback on ALL retail purchases, without any restrictions on petrol, groceries or specific merchants. This is truly a one-of-a-kind rebate 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 RetailSpendup to RM1000 monthly0.5%RM5up to RM1000 monthly
All RetailSpendfrom RM1001 up to RM2000 monthly1.5%RM30from RM1001 up to RM2000 monthly
All RetailSpendfrom RM2001 up to RM3000 monthly3%RM90from RM2001 up to RM3000 monthly
All RetailSpendfrom RM3001 and above monthly0.3%uncappedfrom RM3001 and above monthly
Balance Transfer
Stop paying the minimum on your credit card bills and get rid of debt to save more money. Alliance Bank Balance Transfer offers interest rates from as low as 6%p.a. and payment terms up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months6% p.a. and no one-time upfront handling feefrom RM1000 
24 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Alliance Bank Flexible Payment Plan offers payments terms of up to 24 months on retail purchases. You will only need to pay minimal one-time handling fee as low as 2.5% on minimum spend of RM500.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5.5% one-time upfront handling feefrom RM500 
18 months7% one-time upfront handling feefrom RM1000 
24 months8% one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Flexible Payment Plan
Think you're paying too much for a litre of RON95 or RON97? Go with You:nique and earn up to 3% cashback at any petrol station whether it's a Caltex, Petronas, Shell, or Petron station anywhere in Malaysia.
Low Interest Rate
Free yourself from high interest charge. You:nique Credit Card provides 0% finance charge for your first 3 months' spending. Simply pay the minimum payment due to enjoy this benefit.
Have a personalised Card Face with a capital 'P'. Add a personal touch to your card face and upload your own image or choose from the You:nique image library.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first 3 years
  • Waived when you spend RM5,000 or swipe 12 times for subsequent years
Annual Fee for Supplementary Card
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

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


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

Easy Payment Plan
Alliance Bank Flexible Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
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?

Always remember the good times - we've all got that picture that makes us smile, so why not be reminded of that moment every day and put it on your credit card? You can do exactly that with your new Alliance Bank You:nique Great Rebates. 

Unlimited Cash Back

Don't be restricted to where, on what, or where to spend on earn attractive cash rebates of up to 3%. Spend however much you want, and earn without any monthly cap with spending above RM3,000! 

You will earn the maximum 3% when your monthly spend is more than RM2,000, but below RM3,000. When you spend above RM3,000 a month, the first RM3000 is still entitled to a cash back of 3% and the rest will be granted at a rate of 0.3% - but the great thing is, the cash back cap will be blown off and you'll start to earn unlimited rebates!

Annual Fee Waiver

For even more money saving (yes, it's possible!), your annual fee will be waived for the first 3 years. After those initial years, to not pay for your credit card, you will have to spend a minimum of RM5,00 or swipe your You:nique credit card at least 12-times within a year - so make sure you actually use your credit card instead of letting it waste away and pay a fee.

Easy Payment Plan ( EPP)

Convert your retail purchases into hassle free fixed instalments. You can choose periods of either 6, 12, 18 or 24 months with minimal handling fees. 

Make your shopping more affordable for transactions done at any merchant. To split up your repayments, all you have to do is call Alliance Bank to request. Remember, purchases that are already billed cannot be converted!

0% Finance Charge

You will get to enjoy the convenience of 0% finance charge on spending done with your Alliance Bank You:nique credit card for the first 3-months. 

To have this benefit, you will need to pay the minimum credit card bill payment and you'll be interest free! To enjoy even lower rates, you can opt to choose the low interest feature for the You:nique card and enjoy as low as 9%p.a. on your bills.

Balance Transfer Savings

Got credit card debt that's keeping you up at night? You're making the minimum payments, but you're barely scratching the surface of your interest payments. 

Go with the Alliance Bank Balance Transfer programme and transfer your outstanding balances from other credit cards. You will only need to pay 6% p.a. and settled in 12, 18, or 24 months. Grab these great savings opportunities, and ease up on breaking the bank.

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