Alliance Bank Rebates Younique Card

    Alliance Bank offers a range of credit cards that cater to consumers from different walks of life. These cards provide cardholders with not only a convenient mode of payment but also reward the cardholders with every use. The You:nique card comes in 3 variants, each offering a unique benefit to the cardholder. The card can also be customised with any photo the cardholder wishes. The features and benefits of the card are as follows.


    • The card comes with a customisable face. Cardholders can use a photo of their choice to be printed on the card allowing for a higher degree of personalisation.
    • The card comes in 3 variants. The cash rebate variant, the lower interest rate variant, and the reward redemption variant.
    • The card earns a cash rebate of up to 3%.
    • The card comes with an annual fee waiver for the first 3 years. Subsequent annual fees can be waived when the cardholder charges a minimum of RM5,000 to the card in a year or makes 12 transactions with the card.
    • The cardholder can enjoy a 20 days interest-free period on the card.


    • Cardholders can enjoy a Flexi Payment Plan which allows for larger retail purchases. The purchases can be converted into smaller more affordable instalments with tenures of 6 or 12 months. The plan will charge an upfront handling fee.
    • The cardholder can get a cash rebate of 0.50% when the monthly spend is up to RM1,000. For monthly spend between RM1,001 to RM2,000, the rebate earned is 1.5%. For monthly spend between RM2,001 to RM3,000, the rebate earned is 3%. For monthly send exceeding RM3,000, the card earns a rebate of 0.3%.

    Eligibility Criteria

    Applicants are required to meet the following criteria to avail this card:

    • Minimum annual income required is RM24000
    • Minimum age for the primary cardholder is 21 years
    • Minimum age for supplementary cardholder is 18 years

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card RM156.88 (Waived for first 3 years and subsequent annual fees waived when card is charged with RM5,000 or swiped 12 times each year)
    Annual fees – Supplementary card RM31.80
    Finance charge on cash advance 5.3% of the amount advanced or a minimum of RM15.90, whichever is higher, per transaction.
    Late payment charges 1% of the outstanding balance or RM10 whichever is higher. The maximum fee that can be charged is RM100
    Cash advance fee 5.30% of the amount advanced or a minimum of RM15.90, whichever higher, per transaction. Cash Advance withdrawal up to 80% of your credit limit
    Overseas transaction conversion fee Transactions are converted using exchange rates set by Visa/MasterCard International.  An additional fee of 1% is imposed as an administrative fee on the converted transaction by the Visa/MasterCard international
    Sales draft retrieval copy RM21.20 per copy
    Card replacement fee RM50 for every replacement
    Additional Statement request fee RM5.30 per copy
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