Alliance Bank You:nique Gold Credit Card

Alliance bank

Annual Income

RM 24,000

Annual Fee (Main)

RM 148

Annual Fee (Sup)

RM 30

Basic Info

Spending Criteria

Lounge Access

Mileage Partners

Official Website Link

Earn 1x TBP for every Ringgit you spend. You will also be automatically enrolled in the Alliance OneBank Rewards Program, where you can earn TBP on all Alliance Bank financial products.
Exclude Petrol transaction.

Expenditure

Multiplier

Shopping

Transport

Pharmacy

Petrol

Not Applicable

Utilities

Insurance

Groceries

Entertainment

Dining

E wallet

Education

Online e-commerce

Oversea

Hotel

Airlines

Duty Free

Cash rebates of up to 3% are available on all retail purchases, without any restrictions on petrol, groceries, or specific merchants. Truly a You:nique and unbeatable rebate card for anything, anywhere, anytime.

Tier 1: 0% cash back for spending between RM 0 to RM 1,000
Tier 2: 1.2% cash back for spending between RM 1,001 to RM 2,000
Tier 3: 3% cash back for spending between RM 2,001 to RM 3,000
Tier 4: 0.3% cash back for spending more than RM 3,000

Expenditure

Cash Back (Cap)

Shopping

up to 3%

Transport

up to 3%

Pharmacy

up to 3%

Petrol

up to 3%

Utilities

up to 3%

Insurance

up to 3%

Groceries

up to 3%

Entertainment

up to 3%

Dining

up to 3%

E wallet

up to 3%

Education

up to 3%

Online e-commerce

up to 3%

Oversea

up to 3%

Hotel

up to 3%

Airlines

up to 3%

Duty Free

up to 3%

TOTAL

Not Applicable

Airlines

1,000 Partner Miles

Malaysia Airlines

15,000

AirAsia

6,000

Singapore Airlines

Not Applicable

Cathay Pacific

Not Applicable

Air France

Not Applicable

EVA Air

Not Applicable

British Airways

Not Applicable

Etihad Airways

Not Applicable

Turkish Airlines

Not Applicable

Qatar Airways

Not Applicable

Emirates

Not Applicable

Japan Airlines

Not Applicable

Qantas Airways

Not Applicable

Vietnam Airlines

Not Applicable

Thai Airways

Not Applicable

United Airlines

Not Applicable

Hainan Airlines

Not Applicable

Delta Airlines

Not Applicable

Batik Air

Not Applicable

Please refer to the table below:

Full-service carrier (FSC)

Oneworld members:

Malaysia Airlines, Cathay Pacific, British Airways, Qatar Airways, Japan Airlines and Qantas

Star Alliance members:

Singapore Airlines, EVA Air, Thai Airways, Turkish Airlines and United Airlines

SkyTeam members:

Air France, Delta Airlines, Vietnam Airlines

No alliance:

Etihad, Erimates and Hainan Airlines.

Low-cost carrier (LCC)

AirAsia and Batik Air

Balance Transfer

Balance Transfer Plan – It is a feature that allows you to move debt from one or more existing credit cards or loans to a new credit card, typically with a lower or promotional interest rate.
Loan on Card Plan – It is a feature that allows a cardholder to convert their available credit limit into cash, which they can then repay in fixed monthly installments over a set period, often with a specific interest rate.
Installment Plan – It is an easy payment plan breaks down a large purchase into manageable monthly installments, making it easier to afford expensive items over time.
Periodically, certain banks may offer promotional campaigns with highly competitive interest rates. We recommend checking the credit card services page of each bank for the latest offers.

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

0% / 0%

1,000

Not Applicable

0% / 9.88%

1,000

Not Applicable

0% / 9.88%

1,000

Not Applicable

The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the balance transfer plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the balance transfer accrues interest at 9.88% per annum.

Loan on Card

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

0% / 9.88%

1,000 (80% Credit limit)

Not Applicable

0% / 9.88%

1,000 (80% Credit limit)

Not Applicable

The name of this service differs across banks. For example, Maybank refers to it as EzyCash, AmBank as QuickCash, Hong Leong Bank as Call for Cash Plus, CIMB as CashLite, and RHB Bank as CashXcess, among others.
The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the Loan on Card plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the Loan on Card Plan accrues interest at 9.88% per annum.

Installment Plan

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

0% / 0%

500

Not Applicable

0% / 0%

1,000

Not Applicable

0% / 0%

2,000

Not Applicable

0% Easy Pay
- Only applies at selected partner merchants that have a collaboration with the bank.
- The bank absorbs the cost (or shares it with the merchant), so the customer enjoys true 0% interest.
- Tenure can be quite long (up to 36 months), but strictly limited to purchases at those merchants.
Flexi Payment Plan (FPP)
- Can be applied to any retail purchase (not limited to partner merchants).
- Since it’s not subsidized by a merchant, the bank charges an interest rate (e.g., 9.88% p.a. or similar).
- Gives flexibility but at a cost.

Extra Information

Please refer to the table below:

Element

Info

FD Pledge

Not Applicable

FD Pledge Amount

Not Applicable

Min Credit Limit

Not Applicable

PPL Access (Main)

Not Applicable

PPL Access (Sup)

Not Applicable

PPL Spending Requirement

Not Applicable

PPL T&C

TCL Access (Main)

Not Applicable

TCL Access (Sup)

Not Applicable

TCL T&C

Travel Insurance

Not Applicable

Travel Insurance Max Coverage

Not Applicable

Travel Insurance T&C

Golf

Not Applicable

Golf T&C

Oversea FX Rate

Last Update

18 Aug 2025