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    Alliance Bank You:nique Rebates Credit Card

    Alliance Bank You:nique Rebates Card provides unlimited cash rebates on all local and overseas retail transactions. You can add a personal touch to your card by having your picture or any image of your choice as the card image.

    Main Highlights:

    • Enjoy up to 3% cash rebates on all retail purchases.

    Best Suited for

    • Those who want to earn cash rebates on their purchases.

    Key Features and Benefits

    Features/Benefits Description
    Cash Rebate for Retail Purchases Up to 3%

    Additional Benefits

    • There is no capping to earn cashback, which means you can earn unlimited cashback all year round.
    • Customise your card with an image of your choice.
    • Enjoy an annual fee waiver for the first three years.

    How to Earn Cashback

    Monthly Expenses Cash Rebate
    Up to RM1,000 0.50%
    RM1,001 to RM2,000 1.50%
    RM2,001 to RM3,000 3.00%
    More than RM3,001 0.30%

    Balance Transfer Plan

    If you have outstanding balance in a credit card of another bank, you can use the balance transfer facility to transfer the amount to your Alliance Bank Youn:nique Rebates card at a low interest rate.

    Tenure Minimum Transfer Amount Rate of Interest
    12 months RM1,000 6.99% p.a.
    18 months RM1,000 6.99% p.a.
    24 months RM1,000 7.99% p.a.

    FlexiPay

    Use the FlexiPay facility to convert your retail purchases into convenient instalments at as low as 2.5% p.a. with repayment tenure up to 12 months. Here’s the FlexiPay plan:

    Tenure Minimum Purchase Amount Rate of Interest
    6 months RM500 2.5% p.a.
    12 months RM500 5.5% p.a.

    Eligibility Criteria

    Minimum Age - Principal Cardholder 21 years
    Minimum Age - Supplementary Cardholder 18 years
    Minimum Income RM24,000 p.a.

    Documents Required

    Type of Applicants Required Document
    Salaried Professionals (MNC/PLC)
    • 1 copy of passport or 1 copy of NRIC (both sides).
    • Any one of the following documents:
      • Latest EPF statement.
      • Latest EA form.
      • Salary slip (latest 1 month).
      • Latest Borang BE with the validated receipt of payment to LHDN.
    Salaried Professionals (Non-MNC/PLC)
    • 1 copy of passport or 1 copy of NRIC (both sides).
    • Any one of the following documents:
      • Latest EPF statement.
      • Salary slips (latest 3 months).
      • Bank statements showing salary credit information (latest 3 months).
      • Latest Borang BE together with the validated receipt of payment to LHDN.
    Self-employed Professionals (Minimum 2 Years in Business)
    • 1 copy of passport or 1 copy of NRIC (both sides).
    • Form 9, 24, 49, Borang B/D or Business Registration Certificate.
    • Any one of the following documents:
      • Bank statement (latest 6 months).
      • Latest EPF statement.
      • Latest Borang BE together with the validated receipt of payment to LHDN.
    Commission Earners
    • 1 copy of working permit (minimum validity of 12 months from the application date).

    How to Apply

    You can apply for the Alliance Bank You:nique Rebates Credit Card online at BBazaar.my easily by providing your personal and financial details.

    Fees and Charges

    Fees Charges
    Annual Fee (Principal Card) RM148. Waived for the first 3 years Waived for subsequent years for a minimum spend of RM5,000 or 12 swipes each year
    Annual Fee (Supplementary Card) RM30. Waived for the first 3 years Waived for subsequent years for a minimum spend of RM5,000 or 12 swipes each year
    Retail Interest Rate 15% to 18% p.a.
    Cash Advance Interest Rate 18% p.a.
    Cash Advance Fee 5% of the cash advance amount or RM15, whichever is higher.
    Monthly Repayment Instalment 5% of the outstanding balance or RM50, whichever is higher
    Late Payment Charges 1% of the outstanding balance or RM10, whichever is higher, subject to a maximum of RM100.
    Overseas Transaction Fee The rates of conversion are determined by Mastercard. The bank charges an extra 1% as foreign exchange spread.

    Promotions

    • Pay your utility bills via JomPAY and get a chance to win exciting prizes. This is an ongoing promotion which is valid until 30 September 2018. The prizes to be won are:
      • Grand prize: MINI John Cooper Works 3-door Car (2 winners).
      • Consolation prizes: iPhone X 256 GB (4 winners).
      • Weekly/monthly prizes: RM50 cashback (166 winners).
    • Transfer your outstanding balance from other cards to this card for a 0% 6-month plan. This offer is valid only for new balance transfer applicants. This is an ongoing promotion which is valid until 30 January 2019.

    Earn cashback with every retail transaction you make using your Alliance Bank You:nique Rebates card. You can also enjoy unlimited cashback as as there is no cap on earning. Moreover, you can personalise the card with your photograph or any other image you like. Before applying for the card, it is recommended to go through the terms and conditions as well as the product disclosure sheet.

    Frequently Asked Question’s

    Q. What’s the procedure to customise my card?

    A. To customise your card, follow the below steps:

    • Visit the bank’s official website.
    • Go to Alliance Bank You:nique Rebates card page.
    • Select ‘Click here to personalise now’.
    • Upload the image of your choice. You can also select a picture from the bank’s image library.
    • Submit the selected picture along with your contact information.
    • Fill in the credit card application form and submit it with supportive documents.

    Q. Can I customise my supplementary card?

    A. Yes. You can customise your supplementary card. Once you add an image for the principal card, you can return to the same page to customise your supplementary card.

    Q. Can I get a annual fee waiver for subsequent years?

    A. Yes. You can enjoy annual fee waiver when you spend a minimum of RM5,000, or when you swipe your card 12 times within a year.

    Q. How often can I change the card image?

    A. You can change the card image as many times as you want, provided there is an interval of 60 days after the last image change.

    Q. Will I be charged when I change my image?

    A. Yes. You will be charged a replacement fee of RM50 whenever you change your card image.

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