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  • Credit Card BYTES FROM OUR KITCHEN

    UOB Credit Card

    UOB Bank offers a wide range of credit cards for multiple categories, such as rebates, rewards, and travel. There are around 11 different cards with three cards devoted entirely to women. These cards offer various deals and benefits specific to the category they belong to. Read more about these cards before you choose one for yourself.

    Quick Links

    Features and Benefits

    • Enjoy cash rebates on various local and retail transactions.
    • Earn rewards points and redeem them for air miles, gifts, and other items from the rewards catalogue.
    • Convert your shopping purchases to an instalment plan.
    • Transfer any outstanding balance from other credit cards to a UOB card.
    • Enjoy exclusive discount and deals on specific days during the week.
    • Get dining, travel, and shopping privileges with UOB cards.

    UOB Credit Cards – An Overview

    Card Name Ideal For Key Benefit Annual Fee Annual Income
    UOB Lady’s Classic Card Shopping 10% cashback on fashion purchases made on Wednesdays and weekends
    • Principal card: RM68
    • Supplementary card: RM30
    RM24,000
    UOB Lady’s Platinum Card Shopping 10% cashback on fashion purchases made on Wednesdays and weekends
    • Principal card: RM128
    • Supplementary card: RM30
    RM48,000
    UOB Lady’s Solitaire Card Shopping 10% cashback on fashion purchases made on Wednesdays and weekends
    • Principal card: RM300
    • Supplementary card: RM30
    Waived for a minimum spend of RM30,000 each year
    RM100,000
    UOB One Card Classic Movies, petrol, and other retail purchases Up to 8% cash rebates on all retail purchases
    • Principal card: RM68
    • Supplementary card: RM30
    UOB One: RM24,000
    UOB One Card Platinum Movies, petrol, and other retail purchases Up to 8% cash rebates on all retail purchases
    • Principal card: RM68
    • Supplementary card: RM30
    UOB One Platinum: RM48,000
    UOB Preferred Platinum Cash rebates Up to 10% cashback on online, dining and utility bills expenses
    • Principal card: RM198
    • Supplementary card: RM30
    RM40,000
    UOB PRVI Miles Card Travel 5x UNIRinggit for every RM1 spent on hotels, airlines and travel agencies
    • Principal card: RM198
    • Supplementary card: RM30
    RM60,000
    UOB Privilege Banking Visa Infinite Card Travel 5x UNIRinggit for every RM1 spent on overseas purchases
    • Principal card: Waived
    • Supplementary card: Waived
    (By invitation only)
    UOB VISA Infinite Card Travel 5x UNIRinggit for every RM1 spent on overseas purchases
    • Principal card: RM600
    • Supplementary card: RM300.Waived for a minimum spend of RM50,000 each year
    RM120,000
    UOB VOX Card Cash Rebates Up to 10% SMART$ Rebates along with cash rebates
    • Principal card: RM72
    • Supplementary card: RM30
    RM24,000
    UOB YOLO Card Dining, travelling, and online shopping Up to 8% cashback on dining, travel, and online purchases
    • Principal card: RM90 (RM7.50 each month) Waived for the first year
    • Supplementary card: RM30 Waived for the first 2 years
    RM36,000

    Best UOB Credit Cards

    Best Rewards Card: UOB Visa Infinite Card

    • Earn 5x UNIRinggit for all overseas purchases.
    • Enjoy 4x complimentary airport limo rides to KLIA each year.
    • Get double air miles redemption on your birthday month.
    • Enjoy a bonus of 3,000 Enrich Miles when you spend a minimum of RM3,000 within 60 days from the approval date.
    • Accumulate your points and double them every quarter.
    • Enjoy up to 20% discount on dining expenses at more than 200 outlets in airports around the globe.
    • Get a discount of 25% on Immigration Fast Track Services at more than 450 airports around the globe.
    • Enjoy a complimentary travel insurance of up to RM500,000.

    Best Rebates Card: UOB One Card

    • Earn up to 8% unlimited cash rebates on expenses at the Golden Cinemas during the weekend.
    • Enjoy up to 5% cash rebates on petrol purchases during the weekend.
    • Get up to 2% discount on grocery and telecommunication expenses during the weekend.
    • Enjoy unlimited 0.2% cash rebate on all other eligible retail expenses.
    • Get 15 discount on dining privileges in more than 150 restaurants across the globe.
    • Earn SMART$ rebates on all your purchases made on this card.

    Best Travel Card: UOB PRIVI Miles Card

    • Earn 5x UNIRinggit for every RM1 spent on hotel, airlines, and travel agencies transactions.
    • Enjoy 1% cashback on overseas purchases worth RM1,000 and above.
    • Redeem every RM10 spent for 7 air miles with AirAsia BiG Points, Enrich Miles, KrisFlyer Miles and Asia Miles.
    • Use your accumulated UNIRinggits to pay for the annual fee.
    • Enjoy 50% discount on GRAB rides to and from the airport.
    • Get exclusive travel benefits and privileges, such as cashback and rewards points on hotel stay.

    Best Women’s Card: UOB Lady’s Classic Card

    • Enjoy 10% cashback on your fashion purchases during the weekends and on Wednesdays.
    • Get access to exclusive offers on branded items on selected retail outlets on Wednesdays.
    • Activate your card within 60 days to receive a Zalora promo code worth RM25.
    • Convert your luxury purchases worth minimum RM2,000 to a 0% instalment plan.
    • Enjoy Lady’s Card Member Birthday Rewards on your birthday month.

    Rewards Programme

    UNIRinggit Rewards Programme

    • You can earn 1x UNIRinggit for every RM1 spent on qualifying purchases.
    • Earn UNIRinggits daily on all local and overseas retail purchases.
    • Accumulate your UNIRinggits in your principal card account.
    • Redeem the points for items and gifts through the UOB UNIRinggit rewards programme.
    • Each UNIRinggit is valid for 3 years from the date of the transaction.

    SMART$ Rewards Programme

    • Look for merchant outlets with the SMART$ logo.
    • Shop at UOB SMART$ outlets.
    • Earn 1 SMART$ for every RM1 spent on qualifying purchases.
    • Each SMART$ is valid for 12 months from the date of the transaction.
    • Redeem your accumulated SMART$ for privileges and gifts via the UOB SMART$ redemption programme.

    UOB Credit Card Promotions

    • Enjoy a discount of 20% when you dine at the Sunway Hotels and Resorts. This offer is applicable to selected outlets in Malaysia, Cambodia, and Vietnam. This promotion is ongoing until 31 May 2019.
    • Get 20% discount on your retail purchases at Zalora. Use the promo code “UOB20Z” upon checkout on a minimum spend of RM150 in one bill. This promotion is ongoing until 31 March 2019.
    • Enjoy a discount of 10% on normal-priced items at On Peddar and Peddar on Scotts outlets. This offer is applicable only for UOB Malaysia, Thailand, and Indonesia cardholders only. This promotion is ongoing until 31 May 2019.

    Payment Plans

    Flexi Credit Plan

    • Acquire extra cash with the Flexi Credit Plan.
    • Pay over a tenure of maximum 24 months.
    • Withdraw up to 80% of your credit limit.
    • Withdraw a minimum of RM1,000.
    • Submit more than one application form based on your requirement.
    Plan Tenure Plan Interest Rate Minimum Withdrawal Amount
    12 or 24 months 9.2% p.a. RM1,000

    UOB Easi-Payment Plan

    • Convert your retail purchases to an instalment plan.
    • Pay over a period of 6 months to 18 months.
    • The minimum purchase amount to apply for this plan is RM500.
    • The minimum amount could be a single transactions or multiple transactions.
    Plan Tenure Plan Interest Rate Minimum Purchase Amount
    6 months 2% p.a. RM500
    12 months 3% p.a. RM500
    18 months 4% p.a. RM500

    UOB Instalment Payment Plan (UOB IPP)

    • Pay for your purchases via an instalment plan.
    • Shop at participating UOB IPP merchant outlets.
    • Get the instalment plan at 0% interest rate.
    • The minimum purchase amount is RM1,000.
    • Check for the list of participating merchant outlets on the UOB website.
    Plan Tenure Plan Interest Rate Minimum Purchase Amount<
    12 months 0% RM1,000
    18 months 0% RM1,000
    24 months 0% RM1,000
    36 months 0% RM1,000

    Balance Transfer Plans

    UOB offer 2 types of balance transfer plans. One comes with reducing balance interest rate and the other comes with fixed interest rate. You can apply for a balance transfer plan through 3 methods.

    • Call the 24/7 UOB call centre to apply for the plan.
    • Type UOBBT and SMS it to 66300.
    • Download the application form available on the UOB website. Complete the form and attach the photocopies of the outstanding card statements. Mail the form and photocopies to: UOB Card Centre, P.O. Box: 10253, 50708 Kuala Lumpur. Or, fax the completed form along with photocopies to 03 2690 0002.

    Fixed-Pay Balance Transfer Plan

    • Transfer your outstanding dues on cards with other banks to a UOB card.
    • Repay the balance over a period of 6 months or 12 months.
    • Pay a fixed interest rate for the tenure.
    Plan Name Plan Tenure Plan Interest Rate
    Plan i6 6 months 3.3% p.a.
    Plan i12b 12 months 6.0% p.a.

    Reducing Balance Transfer Plan

    • Transfer your outstanding dues on cards with other banks to a UOB card.
    • Repay the balance over a period of 12 months.
    • Pay a reducing balance interest rate for the tenure.
    Plan Name Plan Tenure Plan Interest Rate
    Plan 26 12 months 4% p.a. (upfront rate)

    Insurance Plans

    Credit Shield Plus

    This facility covers any outstanding credit card balance in the event of death, total and permanent disability, temporary disability, and diagnosis of any one of the 36 critical illnesses.

    Death, Total and Permanent Disability, and Critical Illness Cover

    Type of Card Maximum Limit
    Classic or Gold (single) RM50,000
    Classic or Gold (multiple) RM100,000
    Platinum (single) RM300,000
    Platinum (multiple) RM300,000
    Platinum, Gold and Classic (single) RM300,000

    Temporary Disability Cover

    Type of Card Maximum Limit
    Classic or Gold (single) RM50,000
    Classic or Gold (multiple) RM50,000
    Platinum (single) RM150,000
    Platinum (multiple) RM150,000
    Platinum, Gold and Classic (single) RM150,000

    Eligibility Criteria

    Age Criteria:

    • Minimum Age Required for Principal Card: 21 Years
    • Minimum Age Required for Supplementary Card: 18 Years

    Minimum Income Required:

    Cards Income Required
    UOB Lady’s Classic Card RM24,000
    UOB Lady’s Platinum Card RM48,000
    UOB Lady’s Solitaire Card RM100,000
    UOB One Card RM24,000
    UOB One Platinum Card RM48,000
    UOB Preferred Platinum RM40,000
    UOB PRVI Miles Card RM60,000
    UOB VISA Infinite Card RM120,000
    UOB Privilege Banking Visa Infinite Card Invitation only
    UOB VOX Card RM24,000
    UOB YOLO Card RM36,000

    Documents Required

    Type of Applicants Documents Required
    Salaried Applicants
    • Photocopy of NRIC (front and back)
    • Latest salary slip
    • Latest tax returns along with LHDN receipt
    • Latest EPF statement
    • Latest personal bank statement (showing salary credited)
    Self-employed Applicants
    • Photocopy of NRIC (front and back)
    • Latest bank statement showing business turnover (6 months)
    • Latest tax returns along with LHDN receipt
    • Company or Business Registration Certificate
    • Form 9 and Form 24

    Fees and Charges

    Types of Fees Charges
    Finance Charges 15% p.a. to 18% p.a.
    Cash Advance RM20.00 or 5% of the advanced amount, whichever is higher
    Cash Advance Interest Rate 18% p.a.
    Late Payment RM10.00 or 1% of the total outstanding amount, whichever is higher Up to maximum RM100
    Monthly Payment RM50.00 or 5% of the total outstanding amount, whichever is higher
    Replacement Card RM50.00 (each request)
    Card Statement Walk-in or Facsmile Request: RM5.00 Mail Request: RM6.00
    Credit Shield RM0.65 for every RM100.00 of outstanding amount
    Courier or Delivery Charges (for redemption of gifts) Within Malaysia: RM15.00 Outside Malaysia: RM50.00
    Sales Retrieval Draft RM15.90 (original draft) RM5.00 (photocopy)
    Credit Balance Refund Stamp Duty: RM0.15 Commission: RM2.00

    Activation and Cancellation

    Activation

    Method 1: Call 603 2612 8123 to activate your card.

    Method 2 : Activate your card through internet banking.

    • Log in to UOB internet banking.
    • Click on “Account Services”.
    • Select “Manage Cards”.
    • Choose the card that you want to activate.
    • Enter a new PIN and confirm.
    • Click on “Continue” to proceed to the next step.
    • Type in the 6-digit OTP sent through SMS to your registered mobile number.
    • Click on “Authorise” to proceed to the next step.
    • A green notification with a tick mark will appear once the card and PIN has been successfully activated.

    Cancellation

    • Call UOB customer service department to cancel your card.
    • Submit a written notice of cancellation to UOB.
    • Return your credit card to UOB.

    Credit Card Statement

    • You will receive your card statement every month.
    • You can choose to receive your statement through mail or email.
    • If you wish to receive your statement through email, contact the customer support department to activate e-statement.

    Security Features

    Visa Checkout

    • Create a Visa Checkout account.
    • Choose a preferred username and password.
    • Key in your shipping and billing information just once.
    • Look for the Visa Checkout logo on the merchant sites.
    • Opt for Visa Checkout transactions for any online purchases.
    • There is no need to key in your billing or shipping information for each transaction.
    • Make easy and safe online payments.

    Lost Card Liability

    • Call 603 2612 8100 immediately to notify UOB of loss or theft of your card.
    • UOB will block your card to prevent any unauthorised usage of your card.
    • Apply for a replacement card.

    Increase/Decrease of Credit

    Permanent Line Adjustment (PLA)

    • Choose a new credit limit based on your budget and spending pattern.
    • UOB will decide on the approval on the new credit limit.

    Temporary Line Adjustment

    • Increase your credit limit for any last-minute purchases or emergencies.
    • The temporary credit limit will be applicable for 30 days only.

    Method 1: Call the 24/7 UOB Call Centre to increase or decrease your credit limit.

    Method 2: Fax the latest 3 months’ salary slips and bank statements to 03 2690 0121.

    The credit cards offered by UOB Malaysia can meet your spending needs and preferences. You can earn cash rebates or multiple rewards as you use these cards for all your monthly expenses. Choose an ideal card based on your income and budget. You can even check exclusive cards for rewards or cashback if you are interested.

    Frequently Asked Question’s

    Q. Can I settle the Flexi-credit plan before the maturity date?

    A. Yes. You can settle the flexi credit plan before the maturity date. However, you need to pay an early settlement fee of RM50. Additionally, you have to pay an amount equal to one-month payable interest as per your flexi credit plan. This penalty interest will also be charged if you cancel the credit card before you repay the flexi credit instalments in full.

    Q. How can I get the UOB Privilege Banking Visa Infinite Card?

    A. As the Privilege Banking Visa Infinite card is an invitation-only card, you would not be able to apply for it. Based on your banking relationship, UOB would consider to offer you this card if you are eligible. However, you can express you interest in owning this card in writing or through telephone. If you meet all requirements, UOB might consider your interest in this card.

    Q. Can I settle the balance transfer plan before the maturity date?

    A. Yes. You can settle the balance transfer plan before the date matures. You need to pay all the outstanding amount at once. This would include an early settlement fee of RM100. The balance transfer plan will be closed as soon as you make the entire payment.

    Q. What is the contact number for queries on UOB credit cards?

    A. The contact numbers for any queries are:

    • Johor Bahru: 07 288 1121
    • Kota Kinabalu: 08 847 7121
    • Kuala Lumpur: 03 261 8121
    • Kutching: 08 228 7121
    • Penang: 04 240 1121

    Q. What is the address for UOB Malaysia?

    A. The address for UOB Malaysia is:

    Head Office

    Menara UOB, Jalan Raja Laut, Peti Surat 11212, 50738 Kuala Lumpur

    Registered Address

    Level 11, Menara UOB, Jalan Raja Laut

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