• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    6% p.a.

  • Annual Fee

    RM148

Feature Highlights
  • Up to 3% cashback on retail transactions with no restrictions
  • 0% finance charges for first 3 months
  • Use an image of your choice to personalize the look of your card
Dining
5.7/10
Petrol
5.7/10
Groceries
5.7/10
Shopping
5.7/10
Travel
5.33/10

Dining

  • Up to 3% cashback per month

Petrol

  • Up to 3% cashback per month

Groceries

  • Up to 3% cashback per month

Shopping

  • 0.5% cashback with spending of RM1,000 and below per month
  • 1.5% cashback with spending of RM1,000 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

Travel

  • 170 Malaysia Airlines (MAS) miles for every RM1,000 spent

Other Features

  • Balance Transfer

    • Min. transfer amount: RM1,000
    • Repayment tenure and interest rate:
      - 24 months: 6% per annum; 0% one-time upfront fee

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM148 ( Free with 12 card swipes in a 12 month period)
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder RM30
Finance charges 15% p.a. – prompt minimum payment for 12 consecutive months

17% p.a. – prompt payment for at least 10 out of 12 months

18% p.a – if any of the above is not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

Up to 100% of credit limit

Cash advance charge

Higher of RM15 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

Unlimited

Rewards points expiry

N/A

Product Review by iMoney Malaysia

The Unique Card for You

Alliance Bank Rebates You:nique allows to earn 3% cash rebates when you wine and dine, go shopping for groceries, and pump petrol. Earn 0.5% cashback when you shop for yourself with spending of RM1,000 and below per month, 1.5% cashback with spending of RM1,000 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. Moreover, you get 170 Malaysia Airlines (MAS) miles for every RM1, 000 spent on your credit card for travelling. This card also gives you an unlimited cash rebates on no matter what, where and when you spend. It lets you personalize your card with any image you wish!

Fees and Charges

There is no annual fee charged for the first 3 years. Thereafter the annual fee can be waived with 12 swipes a year or with a minimum amount spend RM5000, otherwise it’s RM156.88 for principal card holder and RM31.80 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 8% 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.

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

You are eligible to apply for Alliance Bank Rebates You:nique, 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!