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Malaysians have a number of alternatives for choosing the best UOB credit card based on their spending patterns and lifestyle. Credit cards from UOB come with enticing benefits like cash back and promotions. To make sure you get the finest UOB credit card for your needs, this article will lead you through the many options.
Table of Contents
UOB Credit Card Comparison Table
Here’s a comparison of some of the best UOB credit cards currently available in Malaysia:
| UOB Credit Card | Cashback/Rewards Rate | Annual Fee | Minimum Income | Key Features |
| UOB ONE Card | Up to 10% | RM195 | RM4,000 | Cashback on petrol, groceries, dining, and Grab |
| UOB EVOL Card1 | Up to 8% | RM7.50/month | RM3,000 | Cashback on online shopping, entertainment, e-wallets |
| UOB PRVI Miles Card | Up to 5x UNIRinggit | RM100 | RM2,000 | Earn air miles on travel spending |
| UOB Visa Infinite Card2 | 10x UNIRinggit overseas | RM500 | RM10,000 | Luxury travel benefits including lounge access |
| UOB Lady’s Card | Up to 5% | Free (1st year) | RM30,000 | Exclusive shopping and lifestyle privileges |
1RM7.50 for EVOL Visa Card is waived upon one (1) retail transaction made per statement per month.
2Annual fee for Visa Infinite Card is waived upon annual spending of RM50,000 and above.
1. UOB ONE Card
Features & Benefits: The UOB ONE Card offers up to 10% cashback on various categories such as petrol, groceries, dining, and Grab transactions. It is designed for users who want to maximize their cashback across multiple spending categories.
Who Should Consider This Card?
Ideal for frequent shoppers and those who spend regularly on everyday essentials.
Eligibility: Requires a minimum monthly income of RM4,000.
Fees & Charges: An annual fee of RM195 applies after the first year.
2. UOB EVOL Card
Features & Benefits: This card provides up to 8% cashback on selected categories such as sustainable merchants, online shopping, and entertainment. The EVOL Card is perfect for millennials looking for a versatile cashback option.
Who Should Consider This Card?
Great for younger consumers who frequently shop online and enjoy entertainment.
Eligibility: Minimum monthly income requirement is RM3,000.
Fees & Charges: Monthly fee of RM7.50.
3. UOB PRVI Miles Card
Features & Benefits: Offers up to 5x UNIRinggit points for travel-related spending and additional rewards for local dining. It’s an excellent choice for those who love to travel and want to earn air miles quickly.
Who Should Consider This Card?
Perfect for frequent travellers looking to maximize their air miles.
Eligibility: Requires a minimum monthly income of RM2,000.
Fees & Charges: Annual fee of RM100.
4. UOB Visa Infinite Card
Features & Benefits: This premium card provides exclusive benefits such as complimentary airport transfers, access to airport lounges, and extensive travel insurance. It rewards users with 10x UNIRinggit points for overseas spending.
Who Should Consider This Card?
Best suited for high-income earners who travel frequently and seek luxury benefits.
Eligibility: Minimum monthly income requirement is RM10,000.
Fees & Charges: Annual fee of RM500.
5. UOB Lady’s Card
Features & Benefits: Tailored for women, this card offers up to 5% cashback on beauty and lifestyle purchases along with exclusive discounts at various retailers.
Who Should Consider This Card?
Ideal for women who enjoy shopping and want tailored benefits.
Eligibility: Requires a minimum monthly income of RM30,000.
Fees & Charges: No annual fee for the first year.
UOB Credit Card Categories
To meet various demands and lifestyles, United Overseas Bank (UOB) offers a wide selection of credit cards. Customers may maximise rewards and advantages depending on their spending patterns and preferences with the appropriate UOB credit card. The categories covered in more detail in the next sections are summarised as follows:
Daily spending and cashback cards
UOB provides a range of options for Malaysians looking for the best UOB credit card for daily spending and reward perks. Here is a detailed explanation of the credit cards made to offer significant cashback and benefits for regular spending.
- UOB ONE Card
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- Up to 10% Cash Rebates: Rebates are offered for various purchases, including those made at retail stores, gas stations, grocery stores, restaurants, and Grab transactions. The rebates may differ depending on the card type; a particular minimum amount must be spent at retail.
- No Limit on Rebates for Other Merchants: Your cashback earning potential is limitless with some retailers.
- Age and Income Requirements: Candidates must meet strict minimum annual income requirements and be at least 21 years old.
- UOB EVOL Card
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- Up to 8% Cashback: This cashback rate only applies to particular categories; thus, it’s a good card for frequent consumers.
- Various Eligibility Requirements: Different UOB cards have various eligibility requirements based on age, income, and more.
Premium and luxury cards
The UOB Visa Infinite Card offers a range of advantages that suit this description, making it the best UOB credit card for Malaysian consumers looking for premium and luxury cards. An extensive breakdown of this UOB credit card is provided below:
- UNIRinggit Rewards: Earn 8x UNIRinggit for spending in foreign currencies and abroad. Spending more than RM1,000 per month on local eating might earn you 5x UNIRinggit. Additionally, after spending RM 5,000 within 60 days of approval, you will receive 50,000 UNIRinggit.
- Travel Benefits: This card offers free access to airport lounges, discounted airport transfers, and limo services. The cardholders receive access to international airport lounges, including Asia Pacific lounges, and fast-track immigration at more than 450 international airports. They also get up to 20% off at more than 200 airport food establishments.
- Insurance Coverage: Additionally, protecting you when travelling is included travel insurance with up to RM500,000 in coverage.
- Exclusive Lounge: Users of Visa Infinite Cards can access the UOB Infinite Private Lounge in Bangkok, which is open from 11:00 until 20:00 and is valid until 31 January 2024.
- Flexible Payment Plans: No-interest Payment management alternatives like the 0% Installment Payment Plan and the Easi-Payment Plan are adaptable.
- Air Miles Redemption: The travel rewards programme is improved by the double air mile redemption during your birthday month, and the conversion of 15,000 UNIRM to 1,000 Enrich, KrisFlyer, Asia Miles, or 12,000 AirAsia Points.
Travel and airline miles cards
UOB’s travel and airline miles cards, specifically the UOB PRVI Miles Card and the UOB PRVI Miles Elite Card, are available to travellers and frequent flyers in Malaysia. Here’s a closer look at the characteristics and advantages of these cards to explain why they can be the best UOB credit card choices for avid travellers.
- UOB PRVI Miles Card
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- Rewards: For expenses on hotels, airlines, and travel agencies, earn up to 5X UNIRinggit. Awarded funds can only be spent up to RM 5,000 in these areas. In addition, every RM1 spent earns 1X UNIRinggit.
- Overseas Spending: Enjoy 10X UNIRinggit when you spend money abroad.
- Grab Ride Discount: With a monthly redemption of 4 times, receive 50% off Grab rides.
- Redeem Air Miles: 1,000 Enrich Miles can be earned by converting 9,000 UNIRinggit.
- Insurance Coverage: Additionally offered is Personal Accident Coverage of up to RM300,000.
- UOB PRVI Miles Elite Card
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- Increased Rewards: Earn 10X UNIRM for every RM1 spent abroad and 5X UNIRM for airline purchases. It also offers an Annual Bonus of 60,000 UNIRM on fee payment and a special conversion rate of 9,000 UNIRM for 1,000 Enrich Miles.
- Lounge Access: The card offers 8X Lounge Access for increased travel comfort.
- Complimentary Ride Home: It also offers a complimentary ride home with receipts and cards, enhancing travel convenience.
- Personal Accident Coverage: Like the standard card, it provides Personal Accident Coverage up to RM300,000.
Business credit cards
The assortment of company credit cards from UOB may provide Malaysian companies looking for effective financial management solutions with the top UOB credit card choices catered to corporate requirements. Let’s examine the distinctive qualities of one of the most popular UOB business credit card types, the UOB Platinum Business Card.
- UOB Platinum Business Card
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- Cash Rebates: Earn cash rebates of up to 1.20% on retail purchases, which can help the business save money.
- Travel Insurance: offers RM75,000 per user and RM1 million in travel insurance coverage. This guarantees travellers’ protection and safety while on business.
- Management Information System: Businesses may effectively track and control expenses because of the Management Information System’s access to real-time spending data.
- Corporate Liability: The card falls under Corporate Liability, which may be compatible with the requirements of enterprises for financial structuring.
Understanding the Benefits of UOB Credit Cards
To accommodate Malaysians’ different needs and preferences, UOB Credit Cards provide a range of features and advantages. The best UOB credit card alternatives offer compelling reasons to investigate the services, including rewards and cashback, travel advantages, and financial freedom. Here’s a closer look at some of the key characteristics that set UOB credit cards apart:
1. Cashback
One of the important features provided by UOB credit cards in Malaysia, specifically catering to individuals looking for financial incentives on their expenditure, is cashback. Finding the best UOB credit card that fits a person’s interests and spending habits is made simpler because UOB offers various credit card alternatives with varied reward incentives. A thorough examination of cashback advantages:
- UOB ONE Card
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- Petrol, Groceries, Dining, and Grab Transactions: 10% cash rebate maximum.
- Minimum Monthly Spending: One Card costs RM500.
- Cash Rebate Caps: For the ONE Classic card, the category fee is RM10.
- Other Retail Purchases: Unlimited 0.2% rebate.
- UOB EVOL Card
Offers rewards for leisure and environmentally friendly retailers.
- UOB Lady’s Mastercard
Rewards for grocery and fashion purchases, travel insurance, and special offers.
2. UNIRinggit (UOB’s Reward System)
The UNIRinggit, a unique rewards programme from UOB, enables credit card customers to accrue points through their purchases. As an illustration, the UOB World Credit Card offers:
- 12X UNIRM on specific e-wallets for e-commerce (minimum RM300 per business)
- Bonus 125,000 UNIRM for spending more than RM48,000 annually
- 5X UNIRM at supermarkets and department stores (minimum RM3,000 spent)
- 5X UNIRM on International Spending (minimum RM24,000 annually)
- For every RM1 spent locally, you get 1X UNIRM.
3. Air Miles, Airport and Travel Benefits
UOB Malaysia offers a variety of cards that offer noteworthy perks, particularly in the areas of Air Miles, Airport, and Travel for Malaysians looking for the best UOB credit card to meet their travel needs. Here is a thorough explanation of the offerings:
Air Miles, Airport and Travel Benefits
| UOB Credit Card | Air Miles | Airport Benefits | Travel Benefits |
| Visa Infinite | 8x points for overseas spending | Exclusive Perks | Overseas & Dining Rewards |
| PRVI Miles | 5x points for travel & bonuses for retail | – | UNIRinggit Rewards & Grab Discounts |
4. Contactless Payment via the UOB Visa Checkout
A tap-to-pay approach made possible by contactless payments provides a quick and simple way to make transactions.
Benefits of Contactless Payment via UOB Visa Checkout
| Benefit | Description |
| Ease of Payment | For transactions RM250 and under, contactless payments only require a quick tap, negating the need for signatures or PINs. |
| Security | Transactions are protected and encrypted using Visa’s secure network. |
| Cashback Opportunities | Cashback for contactless purchases is offered by UOB credit cards, including UOB EVOL, with caps of RM50. |
| Widespread Acceptance | At the checkout, look for the Contactless Symbol to determine compatibility. |
| Convenient Features | Visa Checkout and Visa Contactless are two convenient payment options UOB credit cards offer. Numerous UOB credit card options include these advantages. |
5. UOB Flexi Credit Plan
Active UOB Principal credit cardholders can access their credit card limit at a low-interest rate through the UOB Flexi Credit Plan, a service that is available to them. It is made to give you the financial flexibility you require, whether for an unforeseen bill, an investment, or any other requirement.
Benefits of UOB Flexi Credit Plan
| Benefit | Description |
| Low-Interest Rate | Starts at 2.99% flat interest rate per annum |
| No Hidden Fees | Transparent and straightforward |
| Flexible Repayment | Up to 60 months |
| Eligibility | Active UOB principal credit cardmembers |
| Minimum Amount | RM1,000 |
| Early Termination Option | Incurs up to 5% fee |
| Easy Application | Via SMS, Call Centre, or Application Form |
6. UOB Cash Advance
Users of UOB Credit Cards in Malaysia have access to the UOB Cash Advance option, which provides quick access to cash. For those who require immediate cash or as a useful means of obtaining cash to cover daily expenses.
The UOB Cash Advance feature is a flexible tool for those looking for immediate access to money, and it distinguishes itself as a valuable perk that can persuade people to think of it as the best UOB credit card option for their financial requirements.
This feature provides ease and flexibility consistent with UOB’s customer-centric approach, whether for everyday spending or an emergency circumstance.
Benefits of UOB Cash Advance
| Feature | Details |
| Accessibility | ATMs, UOBM branches, other banks’ branches |
| Fees | 5% or RM20 (whichever is higher) |
| Finance Charge | 18% per annum |
| Requirements | PIN (obtainable through 24-hour Call Centre) |
7. UOB Easi-Payment Plan
For anyone searching for flexibility and control over their spending, the UOB Easi-Payment Plan stands out, making it a crucial perk in what many people could consider being the greatest UOB credit card option.
UOB demonstrates its dedication to giving customised financial solutions to its customers in Malaysia by providing a variety of interesting alternatives and a simple application process.
The Easi-Payment Plan enhances the UOB credit card experience with yet another level of adaptability and simplicity, whether organising a significant purchase or controlling daily expenditure.
Benefits of UOB Easi-Payment Plan
| Feature | Details |
| Conversion to Installments | Up to 5 purchase transactions |
| Interest Options | 2.99% upfront for 3 or 6 months; 8.15% p.a. for up to 60 months |
| Application Method | Apply via SMS or Call Centre |
8. UOB Balance Transfer
The UOB Balance Transfer is one of the characteristics that distinguishes the UOB credit card as one of the top UOB credit card choices in Malaysia. Using this option, you can transfer your credit card balances from other banks to your UOB Credit Card.
Using the UOB Balance Transfer feature with the UOB credit card is an efficient strategy for managing your credit card debt and setting your financial commitments in line with your capacity.
Benefits of UOB Balance Transfer
| Feature | Details |
| Interest Rates | 3%, 4%, or 5% upfront interest |
| Tenure | 6 to 18 months |
| Repayment Options | Fixed or Flexible |
| Application Methods | SMS, UOB Call Centre, Application Form |
| Additional Option | Balance Conversion up to 60 months |
9. UOB Credit Shield Plus
The purpose of UOB Credit Shield Plus, a credit card protection insurance, is to defend the financial interests of cardholders of UOB credit cards. This aspect is particularly important when comparing the best UOB credit card for financial protection.
Understanding Credit Shield Plus is essential to making an informed choice, whether looking for the best UOB credit card for security or the variety of UOB credit card features.
Benefits of UOB Credit Shield Plus
| Feature | Details |
| Death & Total and Permanent Disability (TPD) Coverage | Additional 100% of the sum assure |
| Temporary Total Disability (TTD) Benefits | 5 – 20% of outstanding amounts according to the card type |
| Compassionate Benefit | 20% of outstanding amounts, the range will be RM20.00 to RM3,000,000. |
| Comprehensive Coverage | Includes finance charges and late payment fees in the insured amount |
| Other UOB Perks | Banking insights, cash flow forecasting, budgeting assistance via the UOB TMRW app |
How to Apply for a UOB Credit Card
Choosing the right UOB credit card for your needs is a crucial decision, but once you’ve made that decision, the application procedure is simple. We will walk you through the application procedure for a UOB credit card, whether you are a new or existing customer.
Eligibility Criteria: What You Need to Know Before Applying
| Criteria | Description |
| Age | Minimum age requirement, usually 21 years for primary cardholders and 18 years for secondary cardholders. |
| Residency Status | Anyone |
| Income Requirement (Monthly) |
UOB World Card: RM5,000 Lazada UOB Card: RM2,000 UOB Lady’s Card: RM2,000 UOB Basic Card: RM2,000 UOB Zenith Card: RM16,000 UOB Visa Infinite Card: RM10,000 UOB One Card: RM2,000 UOB PRVI Miles Card: RM5,000 UOB Preferred: RM3,333 UOB PRVI Miles Elite Card: RM10,000 UOB EVOL Card: RM3,000 UOB Simple Card: RM2,000 UOB Platinum Business Card: RM5,000 |
This table depicts broad aspects; reviewing the exact eligibility conditions for the finest UOB credit card you are interested in is critical. UOB may have varied requirements depending on the card type, such as premium, travel, cashback, or mileage cards, thus, understanding these requirements will guarantee a faster application process.
Step-by-Step Guide to the Application Process
To expedite your UOB credit card application, prepare the general documents required for a UOB credit card application, such as the ones listed below.
| Documents For UOB Credit Card Application | ||
| Salaried Employee | Self-Employed | Foreigners |
|
✅Copy of IC for both slides ✅Latest 3 months salary slips ✅Latest EPF statement ✅Latest BE Form with an official tax receipt ✅Latest 6 months bank statements |
✅Copy of IC for both slides ✅Latest 6 months company’s bank statements ✅Form 9, 24 and 49 OR Business Registration Certificate ✅Latest B Form with an official tax receipt |
✅Copy of Passport ✅Latest 2 months salary slips ✅Work permit valid for at least 1 year at the time of application ✅Letter of employment |
After preparing all the required document, you may apply online at UOB’s website or any UOB branch.
After Your Application: Approval Process and Receiving Your Card
The application for a UOB credit card is only the first step. Here’s what happens when you’ve submitted your application:
Approval Process
Real-Time Approval for New Customers: For new customers, UOB Cards streamline the application process by providing real-time approval via SMS notification.
SMS Notification for Existing Customers: Existing clients who apply using Internet Banking will receive an SMS message if their applications are approved.
Receiving Your Card
Digitization: After acceptance, the card can be digitised for immediate contactless payments, increasing the cardholder’s convenience.
Physical Card Delivery: The physical card is usually available in two days and mailed routinely. Allow 3-5 days for delivery in special circumstances.
Additional Documents (if needed): UOB may request further papers, which can be submitted as directed in the letter or by calling the appropriate number.
Promotions: Take advantage of the current promos for new-to-UOB credit card clients, such as earning cash credits or miles, throughout the application period.
Conclusion: Making the Right Choice
Finally, choosing the finest UOB credit card for your needs is a simple and user-friendly process. UOB has structured its services to ensure convenience and satisfaction from the first application stage to the receipt of your card.
Choosing a UOB credit card is more than just choosing a payment solution; it is also about matching your financial tool to your lifestyle and interests. Whether you’re looking for rewards, travel miles, or cashback, there’s a UOB credit card for you.
If you’re interested on finding other best credit cards, you can visit our Best Credit Card in Malaysia page.
Frequently Asked Questions (FAQs)
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