3k premium per year...i wanted a card for good cash back for all the one off payment which i need....i already have watami, wise, maybank 2 plat which is max out on CB.....so far i have been using OCBC for all the one off payment...any other better card

requirement criteria is privilege banking customer only wor....

The Starbucks outlet I used to top up has change its terminal mcc code to 5499

make a transaction, call the card center to clarify.

I am planning transfer my insurance auto-debit to You:nique too. Seems like a good deal.

I am looking at it this way. RM1000 per month is considered confirmed, so anything on top of that will get 1.5% which is good in times like this.

Hi all, can any existing user confirm this calculation? I thought if monthly spend 2k-3k will entitle 3% cashback which mean 3k spending will get RM90 cash rebate. Thanks

i wonder this You:nique Credit Card...can I use it to pay for the income tax online in order to get the 3% (of course, must reduce the 0.8%)?

Earn up to 3% Cash Rebates on ALL retail purchases with no restrictions on what, where or when to spend. There is more,
you will also enjoy unlimited cash rebates!
so does this unique card capped the max rebate per month rm50? it didn't state in their website

I see. If you spend average or more than 3000 but less 3001, this card is awesome. rm 50 is gurantee

urm, question if you spend one purchase over 3k .. do you get cash rebate 3%? after that purchase, next purchase would only be 0.3% right?

urm, mostly i would use this card for purchase which is a big sum but not always. so which rebate do you think is better?

scb need meet min spend.
those spend exclude petrol and insurance.

not comfortable...

does SCB have annual fee waiver clause like the you:nique (i.e. 12 swipes per year to be eligible for free AF)?

Sorry i am confused.
which card will get 3.33% rebate on insurance?

Your 1st thought correct
Ringgit plus is incorrect, you will never reach the 2nd and 3rd cap mentioned
If ringgit plus is correct i think more people hold this card already
Do you mean that if i got insurance of 500 monthly.
I spend another 1000 in other categories (except insurance and petrol)
Total spend = 1500
Rebate got 1000 * 5% = rm50 ?

http://www.alliancebank.com.my/younique

hi
anyone using this card?
sorry kinda confusing with the cash rebate....
how come cash rebate % drop if u spend >3000?
mean spend more = less CB or any other calculation method?

Monthly Spend (RM) Rebate (%)
0 - 1,000                    0.50
1,001 - 2,000            1.50
2,001 - 3,000            3.00
> 3,000                    0.30
let say my spending rm6000
meaning like this?

Monthly Spend (RM)      Rebate (%)          CB
0 - 1,000                        0.50                    5
1,001 - 2,000                1.50                    15
2,001 - 3,000                3.00                    30
> 3,000                        0.30                    9

so total CB per month is rm59?
or only 6000 X 0.3% = rm 18??

wow bro.....u really know alot of different card T&C....
like that almost like 1%  only....
hmmm....still HLBB fortune more suitable for my current situation....
my annual spend rm72000 only entitle for rm880....if can spend annual rm108000,mean 1800bonus....
thx ya....

my expenses mostly go to utility
tnb telekom n syabas make up 95% for my total swipe
i help pay for my company/parent in law/parent/club(persatuan)....
so jz get some pocket money for my free service lolx

cant wait for the card to arrive....still some bill waiting to pay....
think need 1week+ since i apply today....
thx ya for all ur info...very helpful clear all the doubt....
i go apply that time oso the customer service blur blur seee brochure only...this dunno that dunno...lolx

online payment/purchase eligible for the rebate?

may I know self application through online also entitle for the rm50?