Posted in Alliance Bank Credit Card, Credit Card

Alliance Bank You nique Credit Card

Alliance Bank You:nique Rebates MasterCard Credit Card


  • Up to 3% Unlimited Cash Rebates on All Spending
  • Personalised Image to your card face
  • 0% Interest for 3 Months
  • Lifetime Annual Fee Waiver*


Alliance Bank Malaysia Berhad

Minimum Income Requirement

RM24,000 per annum/ RM2,000 per month

Annual Fee

  • Principal Card: RM148
  • Supplementary Card: RM30
*Annual Fees waived for first 3 years
Annual fee waiver for subsequent year with easy spend conditions, i.e. spend a minimum of RM5,000 or swipe 12 times within a 12-month period

Government Service Tax

Principal Card = RM50
Supplementary Card = RM25

Age Eligible

Principal Card = 21 years old
Supplementary Card = 18 years old

Interest Rate

  • 0% per annum – First 3 months
  • 15% per annum – 12 months Prompt payment with min repayment
  • 17% per annum – 10 months – 12 months prompt min repayment
  • 18% per annum – Others
  • 18% per annum – Cash Advance

Key Benefits

  • Earn up to 3% Cash Rebates on All retail purchase – with no restrictions on what, where or when to spend. There is more, you will also enjoy unlimited cash rebates!
Monthly SpendCash Rebate
RM0 - RM1,0000.50%
RM1,001 - RM2,0001.50%
RM2,001 - RM3,0003.00%
RM3,001 and above0.30%
  • Flexi Payment Plan (FPP) – allows you to convert your retail purchases on your You:nique Credit Card into fixed installment amounts. Choose from either 6 or 12 months tenure. Handling fees apply.
  • 0% Finance Charge for the First 3 Months – Enjoy 0% finance charge on your You:nique Credit Card spending for the first 3 months. Simply pay the minimum payment due to enjoy this benefit. Free yourself from high interest charge.

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