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.
Best Suited for
|Cash Rebate for Retail Purchases||Up to 3%|
|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%|
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.|
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.|
|Minimum Age - Principal Cardholder||21 years|
|Minimum Age - Supplementary Cardholder||18 years|
|Minimum Income||RM24,000 p.a.|
|Type of Applicants||Required Document|
|Salaried Professionals (MNC/PLC)||
|Salaried Professionals (Non-MNC/PLC)||
|Self-employed Professionals (Minimum 2 Years in Business)||
You can apply for the Alliance Bank You:nique Rebates Credit Card online at BBazaar.my easily by providing your personal and financial details.
|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.|
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.
Q. What’s the procedure to customise my card?
A. To customise your card, follow the below steps:
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.