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Min. Monthly Income
RM2,000.00
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Interest Rate
15% p.a.
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Balance Transfer
2.99% p.a.
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Annual Fee
Free
Feature Highlights
- 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
Dining
- Up to 3% cashback per month
Petrol
- Up to 3% cashback per month
Groceries
- Up to 3% cashback per month
Shopping
- Up to 3% cashback per month
Entertainment
- Up to 3% cashback per month
Other Features
Balance Transfer
- 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
Card Information
Annual Fee | Free (No annual fee for first year; subsequently waived with a minimum RM5,000 spend or 12 swipes in a year. Else, RM148 per annum) |
Min. Monthly Income | RM2,000.00 |
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 |
Sales and Services Tax (SST) | 0% 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 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 |
Cashback Limit | For Spent RM2001-RM3000 - 3%, for RM1001-RM2000 - 1.20%. Above RM 3000 0.30% |
Rewards points expiry | N/A |
Product Review by 
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!