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    UOB Credit Card

    UOB offers a wide range of credit cards that have their own unique benefits. The cards can be used to pay for purchases of all kind and you can save a lot when you transfer the balance. You can get cash rebates and earn Reward Points. UOB offers credit cards to cater to the contemporary women of Malaysia.

    Why Choose UOB Credit Card

    UOB offers credit cards that come with great features. It is easy to apply for a UOB Credit Card. You can get special discounts with UOB Credit Cards. You can increase the credit limit temporarily or permanently. You get Reward Points for every ringgit spent. You get complimentary access to airport Lounges. The credit cards offer various travel, shopping, healthcare, dining, and leisure privileges. You can also get insurance protection against death, diagnosis of 36 critical illnesses, Total Permanent Disability, Temporary Total Disability.

    Benefits of UOB Credit Cards

    The following are the various features and benefits of UOB Credit Cards:

    • You can save when you transfer the outstanding balance from other bank’s credit card to UOB Credit Card. You get a lower rate of interest for up to 18 months.
    • You get flexible repayment plans at low rates for up to 24 months.
    • UOB offers instant cash anytime, anywhere. You will be charged a cash advance fee and the finance charge.
    • You can auto pay your utility bills each month which saves you a lot of time and is convenient.
    • You can apply for a permanent or a temporary credit limit increase.
    • With Easi-Payment Plan, you can convert your purchases to monthly installments. The interest rates are low and the tenure offered is up to 18 months.
    • You can opt for Installment Payment Plan and pay for your purchases over 36 months at 0% interest.
    • You get credit shield by paying a monthly premium of RM0.65 per RM100 outstanding balance. The coverage for first 60 days after approval is free. The premium that is due will be waived after the claim. The limit on different types of cards are as follows:
    Types of Credit Cards Death, diagnosis of 36 critical illnesses, and Total Permanent Disability. Temporary Total Disability
    Gold Credit Cards RM50,000 RM5,000 – RM50,000
    Single Classic Credit Cards RM50,000 RM5,000 – RM50,000
    Gold Credit Cards RM100,000 RM5,000 – RM50,000
    Multiple Classic Credit Cards RM100,000 RM5,000 – RM50,000
    Single Platinum Credit Cards RM300,000 RM15,000 – RM150,000
    Multiple Premium Credit Cards RM300,000 RM15,000 – RM150,000
    Single Premium Credit Cards and Classic or Gold Credit Cards RM300,000 RM15,000 – RM150,000

    Types of Credit Cards offered by UOB

    The following are the various types of credit cards offered by UOB:

    1. UOB ONE Credit Card:
      • This card offers rebated when you spend on phone bills, petrol, groceries, and movies. You can earn up to 8% cash rebates and SMARTS rebates as well. With the daily rebates, you can save more than RM950.40 in a year. The maximum rebate you can earn are as follows:
        Category Cash Rebates on ONE Card per month Cash Rebates on ONE Platinum Card per month
        Petrol Up to RM300 Up to RM500
        Groceries Up to RM1,000 Up to RM1,500
        Cinema Unlimited Unlimited
        Telecommunication Up to RM200 Up to RM300
        Other purchases Unlimited Unlimited
      • When you spend with your UOB ONE Card, you earn cash rebates and they are automatically credited to your account and it can offset the balance of the month.
      • You can receive SMARTS rebates when you shop at UOB SMARTS merchant outlets. 1 SMARTS is equal to RM1. You can earn SMARTS rebates when you shop, at the cinemas, and when you purchase food and beverage.
      • You can auto pay recurring bills. You can use the card for 0% Installment Payment Plan. You get dining privileges at over 150 restaurants in Malaysia. You can convert single-receipt purchases worth RM500 to monthly repayments at 2% upfront interest. You can perform your banking transactions online.
    2. UOB Lady's Platinum MasterCard:
    3. This card is exclusively for contemporary women of Malaysia. You get the following exclusive privileges with this card:

      • 10% cashback on weekend fashion purchases when you spend a minimum of RM500 in a calendar month.
      • You can earn 10x UNIRinggit on weekend beauty purchases. The maximum UNIRinggit awarded is 5,000.
      • You can convert your luxury purchases to 0% Installment Payment Plan for 6 or 12 months.
    4. UOB Lady's Classic MasterCard:
    5. This card is exclusively for modern women of Malaysia. You get the following exclusive privileges with this card:

      • You can convert your luxury purchases worth RM2,000 to 0% Installment Payment Plan for 6 or 12 months.
      • 10% cashback on weekend fashion purchases when you spend a minimum of RM300 in a calendar month.
      • You can earn 10x UNIRinggit on weekend beauty purchases. The maximum UNIRinggit awarded is 3,000.
    6. UOB Lady's Solitaire MasterCard:
    7. This card is exclusively for modern women of Malaysia. You get the following exclusive privileges with this card:

      • 10% cashback on weekend fashion purchases when you spend a minimum of RM800 in a calendar month.
      • You can convert your luxury purchases worth RM2,000 to 0% Installment Payment Plan for 6 or 12 months.
      • You can earn 10x UNIRinggit on weekend beauty purchases. The maximum UNIRinggit awarded is 8,000.
      • You also get accidental death and permanent disablement coverage for up to RM500,000, flight delay coverage for up to RM1,000, baggage delay coverage for up to RM1,000, misconnection coverage for up to RM1,000, and baggage loss coverage for up to RM2,000.
      • You also get purchase protection of up to RM30,000 for up to 30 days from the date of purchase.
    8. UOB PRVI Miles Credit Card:
      • With this card, you can earn unlimited miles. You earn 5x UNIRinggit for every RM1 spent overseas. You can redeem up to 4 Air Miles with Enrich Miles, Asia Miles, AirAsia BiG Points, and KrisFlyer for every RM5 spent. You get 12x complimentary access to Plaza Premium Lounge in a year. The miles can be redeemed at over 60 partner airlines. You can offset the annual fees with the UNIRinggits you earn. You get to enjoy exclusive travel deals from the travel partners. You also get to be a part of limited-time promotions. You get to enjoy up to 10% SMARTS Rebates from various merchants. You can pay the education fees with the credit card and convert the amount to an installment plan. You also get 0% Interest Payment Plan at various merchant outlets for periods ranging from 12 months to 36 months. You can convert a single purchase of RM500 into monthly repayment for 2% upfront interest. You can consolidate the outstanding balance from other credit cards to this card.

    9. UOB Preferred Platinum Credit Card:
      • This is a lifestyle credit card where you get exclusive access to Plaza Premium Lounge and finest dining privileges. You get to enjoy limited-time promotions. You get exclusive travel deals. You get up to 6 complimentary access to Plaza Premium Lounge in a year. For the first complimentary access to Plaza Premium Lounge, you must spend a minimum of RM500 each for 3 months or swipe a minimum of RM500 within 60 days from the date the card was approved. The supplementary cardmembers and guests will get 50% off on the rate. You get 3x UNIRinggit when you shop abroad. You get up to 10% SMARTS Rebates from various merchants. You can pay the education fee with this card and then convert it to 0% interest Education Installment Plan. You can convert your purchases made at UOB merchant outlets to 0% Interest Payment Plan. You can convert your single-receipt purchase worth RM500 to monthly installment for 2% upfront interest. You can also transfer the balance from another credit card to this card to consolidate your debt.

    10. UOB Visa Infinite Credit Card:
      • With this credit card, you get the finest lifestyle and travel privileges. You get up to 4 complimentary airport lounge access with Visa Infinite and with Privilege Banking Visa Infinite, you get 6 complimentary airport lounge access. You get up to 20% discount at over 200 Airport dining outlets. You can earn 5 UNIRinggit for every RM1 spent overseas. You can redeem 7,000 UNIRM for 1,000 Enrich Miles and 6,500 UNIRM for 1,000 KrisFlyer Miles. You get travel insurance of up to RM500,000.

        When you spend a minimum of RM5,000 in a month on this card, you get 4 complimentary Limo Ride to KLIA/KLIA2. You also get complimentary year-long green fees. You can convert your education and medical spend above RM10,000 to 0% Easi-Payment Plan. Visa Infinite Concierge will be at your service 24x7. You can apply for Visa Infinite Credit Card directly, but the Privilege Banking Visa Infinite Credit Card is an invitation-only card.

    11. UOB YOLO Card:
      • With this card, you get up to 6% cashback when you spend online, 3% cashback on dining, and other exclusive deals. You can get up to RM600 cashback in a year when you shop online and when you spend on dining. You get exclusive deals at restaurants. The card number is stacked up 4-by-4 and it is easier to read when you are shopping online. The card has a built-in contactless payment feature and you can pay easily through Visa Checkout. You get various health and beauty, retail, travel and lifestyle, and dining privileges.

    12. UOB VOX Card:
      • This card offers SMARTS Rebates and cash rebates. The monthly fee is waived if you swipe the card at least once in a month. You can earn up to 10% SMARTS Rebates from exclusive merchant outlets. You can earn cash rebates when you shop online. You can use the internet banking to carry out banking transactions. You can use this card for 0% Installment Payment Plan. You can convert purchases above RM500 to monthly repayments for 2% upfront interest.

    Eligibility Criteria to avail UOB Credit Card

    If you wish to get a UOB Credit Card, you must meet the following eligibility requirements:

    • You must be at least 21 years old.
    • Your minimum income requirement for various cards are as follows:
      • UOB Preferred Platinum Credit Card: RM48,000 p.a.
      • UOB ONE Credit Card: RM24,000 p.a.
      • UOB ONE Platinum Credit Card: RM48,000 p.a.
      • UOB VOX Card: RM24,000 p.a.
      • UOB YOLO Card: RM36,000 p.a.
      • UOB Infinite Credit Card: RM180,000 p.a.
      • UOB PRVI Miles Credit Card: RM60,000 p.a.

    Documents Requirements to apply for UOB Credit Cards

    You are required to submit the following documents along with the duly filled application form:

    • Photocopy of NRIC.
    • Employed applicant must submit the following:
      • Latest EPF statement.
      • Latest salary slip.
      • Personal bank statement.
      • Latest tax return with IRB Receipt.
    • Self-employed applicant must submit the following:
      • Latest tax return with IRB Receipt.
      • Form 9, 24, & 49 for a company.
      • Business Registration.
      • Latest 6 months’ bank statement.

    UOB Credit Card Promotion

    The following are the various UOB Credit Card promotions that are offered to you:

    • You get 10% off on the best available rates at Avangio Hotel, Kota Kinabalu. This offer is valid until 31st December, 2017.
    • You get 15% off on the total bill at 2PM Lounge, G Hotel, Kelawai. This offer is valid until 30th April, 2018.
    • You get 2 days and 1 night at RM278 for Capitol Deluxe Room. You get complimentary buffet breakfast for 2 people and car parking at Plaza Low Yat. You can opt for late check out subject to availability. This offer is valid until 28th December, 2017.
    • You get RM10 off on your first purchase at Amazin’ Grace. This offer is valid until 31st May, 2018.
    • You will get 15% off on any products and an additional 5% off on ‘deal of the day’. This offer is valid until 30th April, 2018.

    UOB Balance Transfer

    You can save a great lot by transferring your outstanding balance from other bank’s credit card to UOB Credit Card. You can repay the balance at a lower rate of interest. The tenures available are up to 18 months. You can choose if you want to pay a fixed amount each month or flexible amount.

    There are two methods from which you can choose, they are:

    • Reducing balance:

    Under the reducing balance, you can choose your monthly repayment. There are 3 plans available. They are:

      • Plan 14: The special interest rate is 7.77% p.a. and the special interest rate term is 6 months.
      • Plan 15: The special interest rate is 7.88% p.a. and the special interest rate term is 12 months.
      • Plan 16: The special interest rate is 7.99% p.a. and the special interest rate term is 18 months.
    • Fixed-Pay:

    Under this method, a fixed sum has to be paid. You can save up to 59% on the interest. You will know how much you will be paying each month and this can help you plan your finances in a better way. The Fixed-Pay is offered for 6 months and 12 months.

    Under Fixed-Pay 6 months Plan, you will be charged 3.3% interest for a period of 6 months. Under Fixed-Pay 12 months Plan, you will be charged 6% interest for a period of 12 months.

    You can calculate the monthly repayment amount through the UOB website Balance Transfer Calculator.

    You can apply for UOB Balance Transfer through the following ways:

    • Complete the application form and attach your bank credit card details and statement and then send it to UOB. The address is UOB Card Centre, P.O Box- 10253. Kuala Lumpur – 50708. You can also fax the application to 03-2690-0002.
    • You can call UOB Call Centre at any time.
    • You can send an SMS, you must type ‘UOBBT’ and send it to 33310. An officer will get in touch with you in a few days.

    Fees and Charges

    The following are the fees and charges applicable to the credit cards:

    Annual fee – Principal card

    Privilege Banking Visa Infinite Card – Waived

    Visa Infinite Card – RM636

    Lady’s Solitaire MasterCard – RM318

    Preferred Platinum MasterCard – RM209.88

    PRVI Miles Visa Card – RM209.88

    ONE Platinum Visa Card – RM178.08

    Lady’s Platinum MasterCard – RM135.68

    Lady’s MasterCard – RM72.08

    ONE Visa Card - RM72.08

    YOLO Card – RM95.40

    VOX Visa Card – RM76.32 (RM6.36 per month)

    Annual fee – Supplementary card

    Privilege Banking Visa Infinite Card – Waived

    Visa Infinite Card – RM318

    Lady’s Solitaire MasterCard – RM31.80

    Preferred Platinum MasterCard – RM31.80

    PRVI Miles Visa Card – RM31.80

    ONE Platinum Visa Card – RM31.80

    Lady’s Platinum MasterCard – RM31.80

    Lady’s MasterCard – RM31.80

    ONE Visa Card - RM31.80

    YOLO Card – RM31.80

    Finance charges on retail 15% p.a. – 18% p.a.
    Finance charges on cash advances 18% p.a.
    Cash advance fee RM21.20 or 5.3% of the amount withdrawn, whichever is higher.
    Late payment fee 1% of the outstanding balance or RM10.
    Minimum payment due RM50 or 5% of the outstanding balance, whichever is higher.
    Interest-free days 20
    Conversion for overseas transactions Rate determined by Visa or MasterCard plus 1% administration cost.
    Dynamic Currency Conversion fee 0.848% of the transacted amount.
    Lost card replacement fee RM50 per replacement.
    Credit shield RM0.65 for every RM100 outstanding balance.
    Sales draft retrieval Original – RM15.90 Photocopy – RM5.30
    Credit card courier fee Outside Malaysia – RM50 Within Malaysia – RM15.90
    Refund of credit balance Commission – RM2.12 Stamp duty – RM0.15
    Credit card statement request Mail request – RM6.36 Walk-in request – RM5.30
    Balance transfer early settlement penalty RM100
    Flexi-Credit Plan early settlement penalty RM50

    How to apply for a UOB Credit Card?

    You can download the application form online and take a print out and submit it along with the required document to the nearest UOB branch. You can also visit the closest UOB branch and fill out the application form. You can meet with the bank representative and find out more about the credit card and its benefits.

    How to increase UOB Credit Card limit?

    You can increase your UOB Credit Limit permanently or temporarily, depending on your need. This option offers you financial flexibility and freedom. There are two plans available, Permanent Line Adjustment and Temporary Line Adjustment. Under Permanent Line Adjustment, the credit limit is increased to suit your standard of living. Under Temporary Line Adjustment, you can increase the credit limit to settle any last minute purchase or for 30 days for emergencies.

    To apply for a Permanent or Temporary Line Adjustment, you must:

    • Call the 24x7 Call Centre and request for either one of the plan.
    • You must then fax your latest 3 months’ income documents to 03-2690-0121.

    The approval is subject to Bank’s discretion. You can also get the limit reduced by contacting the bank through the Call Centre.

    UOB Credit Card Customer Care / Hotline Number

    You can reach the bank through UOB Call Centre, the hotline numbers are as follows:

    • Credit card activation: +603-2612-8123.
    • Credit card application status enquiry: +603-2612-8101.
    • UOB Lady’s customer service: +603-2612-3333.
    • Visa Infinite customer care: +603-2612-3399.
    • Platinum card services: +603-2612-8080.
    • Kuala Lumpur: +603-2612-8121.
    • Johor Bahru: +607-2881-121.
    • Penang: +604-2401-121.
    • Kota Kinabalu: +608-8477-121.
    • Kuching: +608-2287-121.

    UOB Credit Card FAQs

    Q. What is the tenure offered for flexible repayment plans?

    A. You get a tenure of up to 24 months for flexible repayment plans.

    Q. Can I increase my credit card limit if my salary has increased?

    A. Yes, you can increase your credit card limit temporarily or permanently.

    Q. Do I get any insurance?

    A. Yes, you get credit shield if you pay RM0.65 per RM100 outstanding balance. You will get insurance protection against death, diagnosis of 36 critical illnesses, Total Permanent Disability, Temporary Total Disability

    Q. Can the cash rebates be used to offset the balance on my credit card?

    A. The cash rebates earned with your UOB ONE Card are automatically credited to your account and it can offset the balance of the month.

    Q. Can I transfer the credit card balance from another credit card to UOB Credit Card?

    A. Yes, you can transfer the balance for a tenure of up to 18 months. You can choose either the reducing balance method or the fixed-pay method.

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