Alliance Bank You:nique Card - Rebates

Enjoy up to 3% unlimited cashback on all retail spending without any restriction!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Up to 3%
  • icon Annual Fee
    Annual Fee

Key Features

  • Up to 3% unlimited cashback on retail transactions with no restrictions
  • Flexi Payment Plan that allows you to convert retail purchases into fixed instalment amounts
  • Use an image of your choice to personalize the look of your card
  • icon dining Dining

    Up to 3% cashback per month
  • icon petrol Petrol

    Up to 3% cashback per month
  • icon groceries Groceries

    Up to 3% cashback per month
  • icon shopping Shopping

    Up to 3% cashback per month
  • icon entertainment Entertainment

    Up to 3% cashback per month

icon tag Other Features

  • Balance Transfer*: 6 months: 2.99% per annum; min. transfer RM1,000; 0% one-time upfront fee*, 12 to 48 months - : 9.88% per annum; min. transfer RM1,000; 0% one-time upfront fee*
  • Instalment Plan: 0% Instalment Payment Plan at all participating merchants
  • Cashback Limit: 3% for purchase between RM2001-RM3000, 1.20% for purchase between RM1001-RM2000, 0.30% for purchase more than RM3000

icon entertainment Card Information

Min. Monthly Income RM 2000
Min. age for principal holder RM 21
Fee for principal holder Free
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder RM30
Late payment charge Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount Up to 80% of credit limit
Cash advance charge Higher of RM15.00 or 5.0% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Rewards points expiry N/A

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The Unique Card for You

Alliance Bank You:nique - Rebates allows you to earn up to 3% cash rebates for all retail spending inclusive of dining, shopping for groceries, and fuel up at any petrol stations. Specifically, 1.2% cashback with spending of RM1,001 to RM2,000 per month, 3.0% cashback with spending of RM2,001 to RM3,000 per month, 0.3% cashback with spending of RM3,001 and above. There's no limit on the cash rebates on no matter what, where and when you spend. Ultimately, You also get to personalize your card with an image of your choice!

Fees and Charges

There is no annual fee charged for the first year. Thereafter the annual fee can be waived with 12 swipes a year or with a minimum amount spend RM5,000, otherwise it’s RM148 for principal card holder and RM30 for supplementary card holders. By settling your payments promptly on time (settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) for 12 consecutive months, you get to enjoy a lower finance charge of 15% per annum, 17% per annum for prompt payment for at least 10 out of 12 months and 18% per annum if any of the above is not met. There are late payment charges being charged if you failed to make a payment to your credit card on time or after the due date of your payment. The charges are RM10 or 1% of outstanding balance, whichever is higher (up to RM100). This card also offers the cash advance withdrawal which is up to 80% of your credit limit. Furthermore the flexi payment plan allows you to convert your retail purchases on your You:nique Credit Card into fixed instalment amounts. To enjoy 0% finance charge for the first 3 months, all you do is pay the minimum payment due and free yourself from high interest rate. Attractive balance transfer option is available, however 0% for 6 months for New to bank customer only.

Are You Eligible For The Alliance Bank You:nique - Rebates?

You are eligible to apply for Alliance Bank You:nique - Rebates, if you earn a minimum income of RM2,000 and to be at least 21 years old for principal holder and at least 18 years old for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Alliance Bank Classic Credit Card and CIMB Cash Rebate Gold Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Alliance Bank credit cards and start comparing today!