Alliance Bank You:nique Rebates Credit Card

Alliance Bank You:nique Rebates Credit Card

Customize your credit card with any image of your choice, and enjoy up to 3% unlimited cash back too!

Interest Rate

From 15.0% p.a.

Balance Transfer

6.0% p.a.

Cashback

up to 3.0%

Annual Fee

Free*

Apply
Cash back

Up to 3% Cash Back

Earn up to 3% cash rebates on ALL retail purchases with no restriction on what, where, or when to spend.

Petrol

Cash Back on Petrol

Get 3% cash back on all petrol expenses, regardless of where you fill your tank!

Premium

Personalize Your Credit Card

Add a personal touch to your card face. Upload your own image or choose from the You:nique image library.

Free

Annual Fee Waiver

First 3 years annual fee waived, thereafter waived with a minimum spend of RM 5,000 or if you swipe 12 times within a 12 month period.

Features

Cash Back

Cashback Category   Cashback Rate Monthly Cap Spend
All Retail Spend up to RM1,000 monthly 0.5% RM5 up to RM1,000 monthly
All Retail Spendf rom RM1,001 up to RM2,000 monthly 1.5% RM30 from RM1,001 up to RM2,000 monthly
All Retail Spend from RM2,001 up to RM3,000 monthly 3% RM90 from RM2,001 up to RM3,000 monthly
All Retail Spend from RM3,001 and above monthly 0.3% uncapped from RM3,001 and above monthly

Balance Transfer

Pay Over With Interest Rate At When You Transfer
12 months 6.99% p.a. and no one-time upfront handling fee from RM1000 
18 months 6% p.a. and no one-time upfront handling fee from RM1000 
24 months 7.99% p.a. and no one-time upfront handling fee from RM1000 

 

Alliance Bank Flexible Payment Plan

Pay Over With Interest Rate At When You Spend
6 months 2.5% one-time upfront handling fee from RM500 
12 months 5.5% one-time upfront handling fee from RM500 
18 months 7% one-time upfront handling fee from RM1000 
24 months 8% one-time upfront handling fee from RM1000 
  • Flexible Payment Plan (FPP) allows you to convert any retail purchases made with your Alliance Bank Credit Card at any merchant into manageable fixed installment amounts.

Fees and Charges

Annual fee

RM156.88. Free for the first 3 years.

Waived when you swipe 12 times a year.

Waived when you spend RM5,000 a year.

Annual Fee for Supplementary Card RM31.80
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%

*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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