UOB VOX Card provides the users with amazing rebate offers and shopping experiences. The card also has very attractive value-added features and services, and also comes with an amazing annual fee waiver scheme.
The card is accompanied with a complimentary supplementary card.
In cases the cardholders swipe the card at least once a month, the annual fee is waived for the principal card.
The cardholders can earn amazing rebates on shopping with this card under the SMART$ Rebate Programme.
The card comes with an increased credit limit feature that lets the cardholder use the card for more than the designated credit limit temporarily or permanently.
Balances can be transferred onto this card from other bank credit cards under the balance transfer feature associated with this card.
The bill payment becomes easy with the auto-bill payment feature associated with this card.
The cardholder can earn 10% SMART$ rebate with the participating UOB SMART$ merchants.
The cardholders can earn more cash rebates with shopping at UOB InStore.
The UOB 0% Instalment Payment Plan lets the cardholder convert the payment for his purchase at participating merchants into affordable monthly instalments for a tenure of up to 36 months with a 0% interest rate.
The UOB Personal Internet Banking provides the users an ease of banking.
All the purchases over RM500 can be divided into affordable instalments of up to 18 months with UOB Easi-Payment Plan.
Age requirement for the applicants of principal card: 21 years or above
Age requirement for the applicants of supplementary card: 18 years or above
Minimum income requirement for the card: RM24,000 p.a.
Fees and charges
Types of Fee
The annual fee for the principal card is RM6.36 per month that is waived in cases where the card is swiped at least once a month. Whereas, the supplementary card has an annual fee of RM31.80 p.a.
Minimum monthly repayment
The cardholders have to make a minimum monthly repayment of at least RM50 or 5% of the total amount due on the card, whichever is higher.
Finance charge on retail purchases
The finance charge on retail purchases depends upon the way repayments have been made in past 12 months and it ranges from 15 to 18% p.a.
Finance charge on cash advance
Late payment charges
RM10 or 1% of the total outstanding amount, whichever is higher. (Max. RM100)
Cash advance fee
5.3% of the cash withdrawn or a minimum of RM21.20, whichever is higher.
Overseas transaction conversion fee
The overseas transactions will firstly be converted into Malaysian Ringgit in according to the conversion rate determined by VISA/MasterCard International, and this will be added to an administration cost of 1%.