Alliance Bank You:nique Card – Rebates

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
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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 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!

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • 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)


  • Up to 3% cashback per month


  •  Up to 3% cashback per month


  • Up to 3% cashback per month


  • Up to 3% cashback per month


  • Up to 3% cashback per month

Card Information

      • Min. Monthly Income
      • Min. age for principal holder
        21 and above
      • Min. age for supplementary holder
        18 and above
  • Fee for supplementary holder
  • 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