UOB ONE Card Platinum is a shopping and entertainment-centred credit card by UOB. The amazing cash rebate offers, benefits, and rewards are some of the salient features of this card. The card has a range of value-added services to offer too.
The card comes with a complimentary supplementary card.
The cardholders can enjoy cash rebates on a wide range of products and services like petrol, groceries, entertainment and much more.
The cardholders can benefit from the Auto-Bill Payment feature associated with the card that pays the bill automatically with standing instructions.
The cardholders can enjoy a financial flexibility with temporary or permanent increase in credit limit with this card.
The cardholders can also transfer balances onto their UOB ONE Card Platinum from other bank credit cards.
The cardholders can earn up to 2% and 5% of cash rebates on groceries and petrol with a monthly cap of RM1,500 and RM500 respectively.
The cardholders can also earn a rebate of up to 8% on entertainment.
In addition to the categories mentioned above, the cardholders can earn rebates at a rate of 0.2% on all other purchases.
The cardholders can also benefit from Easi-Payment Plan and 0% Instalment Payment Plan by converting the payments for their purchases into equal monthly instalments.
With this card, the users can also enjoy a 15% discount at over 150 restaurants nationwide.
The cardholders can also earn SMART$ rebates when they choose to shop from UOB SMART$ merchants.
The applicants for the principal card must be 21 years old or older.
The applicants for the supplementary card must be 18 years old or older.
Minimum income requirement for the card: RM48,000 p.a.
Fees and Charges
Types of Fee
Principal card: RM178.08 p.a.
Supplementary card: RM31.80 p.a.
Minimum monthly repayment
At least an amount of RM50 or 5% of the total amount due, whichever is higher.
Finance charge on retail purchases
The finance charge on retail purchases vary from 15-18% p.a. and it directly depends upon the pattern the repayment has been made during the last 12 months.
Finance charge on cash advance
Late payment charges
A minimum amount of RM10 or 1% of the total amount due, whichever is higher. This amount is capped at RM100.
Cash advance fee
5.3% of the cash advanced or at least RM21.20, whichever is higher.
Overseas transaction conversion fee
All the overseas transactions are first converted into Malaysian Ringgit in according to the conversion rate determined by VISA/MasterCard International plus a 1% administration cost.