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
  • 0% p.a. balance transfer over 6 months
  • RM148.00 annual fee

Get 2x Barry Smith 20" Luggage Bag!

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!


RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application


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Benefits

Because you should be rewarded for giving the bank your business

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.
Discover how much you can save when you shop with your new Alliance Bank You:nique - Great Rebates
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1001 up to RM2000 monthly1.2%RM24from 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
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 RM3000 
12 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
24 months9.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Alliance Bank Balance Transfer Plan
Easy Payment Plan (EPP)
Instalment Payment Plan at 0% p.a. interest rate at participating merchants.
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

There are always fees but how much are they?

Annual Fee
RM148.00
  • Free for first year
  • Waived when you spend RM5,000 or swipe 12 times within a 12-month period for subsequent years
Annual Fee for Supplementary Card
RM30.00
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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
80% of total amount

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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

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?

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

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