The Best UOB Credit Cards in Malaysia

United Overseas Bank (UOB) is a large Asian bank with a considerable presence in Malaysia. For decades, UOB Malaysia has responded to the multifarious demands of its diversified clientele, from personal savings accounts to major corporate transactions.

One of UOB Malaysia’s notable features is its credit card portfolio. The evolution of the UOB credit card in Malaysia illustrates the bank’s responsiveness to evolving Malaysian requirements and tastes. From cards with unrivalled cashback advantages to those geared toward frequent travellers, UOB’s credit card portfolio has something for everyone. In truth, the best UOB credit card is a personal opinion, as the bank has designed numerous cards to meet distinct consumer needs, such as lifestyle, travel, or cashback preferences.

 

UOB Credit Card Comparison Table

UOB Credit Card	Min. annual income required	Annual fee for principal card	Annual fee for supplementary card
UOB World Card	RM60,000	RM600	RM150
Lazada UOB Card1	RM24,000	RM100	RM70
UOB Lady’s Card	RM24,000	RM68	RM30
UOB Basic Card2	RM24,000	RM72	RM30
UOB Zenith Card	RM192,000	RM1,000	–
UOB Visa Infinite Card3	RM120,000	RM600	RM300
UOB One Card	RM24,000	RM120	RM60
UOB PRVI Miles Card	RM60,000	RM198	RM30
UOB Preferred Card	RM40,000	RM198	RM30
UOB PRVI Miles Elite Card	RM100,000	RM600	–
UOB EVOL Card4	RM36,000	RM90	RM30
UOB Simple Card	RM24,000	–	–
UOB Platinum Business Card	RM60,000	RM150	–

¹Annual fee for Lazada UOB MasterCard is waived upon annual spending of RM15,000 and above.

²RM6.00 for Basic Visa Card is waived upon one (1) retail transaction made per statement month.

³Annual fee for Visa Infinite Card is waived upon annual spending of RM50,000 and above.

⁴RM7.50 for EVOL Visa Card is waived upon one (1) retail transaction made per statement per month.

 

1. UOB World Card

Features & Benefits

• Earn 12X UNIRM on some online purchases, including those made through iTunes and e-wallet reloads (TnG, Boost, and BigPay), with a cap of RM300 per merchant. After the cap, 1X UNIRM for every RM1 is in effect.
• Earn 5X UNIRM at certain department stores, supermarkets, and online and international retailers. Conditions are capped.
• Personal Accident Coverage of up to RM50,000.
• Take advantage of 6X free entry to the Plaza Premium Lounge at KLIA1 and KLIA2
• Earn bonus points worth up to 125,000 UNIRM when you spend RM48,000 annually.

Eligibility

• RM60,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM600 annual fee for primary card and RM150 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

2. Lazada UOB Card

Features & Benefits

• Lazada coupons selected just for cardholders, such as monthly offer RM8 discount vouchers.
• Earn 10X UNIRM for each RM1 you spend or top up on Lazada (1X UNIRM per RM1 spent will be earned when spent above RM500).
• Earn 5X UNIRM for every RM1 spent on online entertainment and lifestyle products (such as Spotify, Apple.com, Netflix, GrabFood, Domino’s, and Foodpanda), as well as on insurance and telecommunications.
• Get 1X UNIRM for every RM1 spent elsewhere in retail.
• When you spend RM1,500 in retail each month, you’ll receive a bonus of 1,000 UNIRM.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM100 annual fee for primary card and RM70 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign period are approved by UOB Malaysia and spend RM15,000 and above annually.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

3. UOB Lady’s Card

Features & Benefits

• 10x UNIRM rewards points on in-store or online fashion purchases.
• On in-person or online grocery purchases, you receive 5x UNIRM rewards points.
• With Luxepay, you can turn your luxury, wellness, and foreign exchange purchases into a 0% Interest Easi-Payment Plan.
• The maximum monthly UNIRM rewards points for Lady’s Classic and Lady’s Platinum are 8,000 UNIRM and 15,000 UNIRM, respectively.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).
• Only applicable to women.

Fees & Charges

• RM68 annual fee for primary card and RM30 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

4. UOB Basic Card

Features & Benefits

• When you spend any amount in 1 retail transaction during a statement month, your monthly fee is waived.
• Up to 36 months, 0% payment options are available.
• Try the Easi-Payment Plan to spread your payments for purchases over 60 months for as little as 2.99% with a minimum transaction of RM500.
• Take advantage of the 0% international Easi-Payment Plan for international purchases exceeding RM3,000.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM72 annual fee for primary card and RM30 for supplementary card.
• When you complete 1 retail transaction within a statement month with no minimum purchase requirement.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

5. UOB Zenith Card

Features & Benefits

• Earn 2X UNIRM for each RM1 spent abroad.
• Earn 1X UNIRM for each RM1 spent locally.
• Get 12X free access to the Plaza Premium Airport Lounge and partner organisations.
• Present three foreign transaction receipts, your UOB Zenith Card, and your KLIA1 Airport Limo Booth boarding pass to receive a free journey home.
• Enjoy a free night at any hotel booked with UOB Zenith Concierge when you stay at least 4 nights straight.
• Have unique access to Zenith Concierge services for questions regarding reservations for eating, travel, and golfing, among other things.
• Earned a bonus of 250,000 UNIRM when speed RM240,000 and above annually.
• Earn up to a 50% relationship bonus by being a loyal UOB Zenith card member.

Eligibility

• RM192,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM1,000 annual fee for the primary card and free of charge for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

6. UOB Visa Infinite Card

Features & Benefits

• Obtain 8X UNIRinggit Rewards Points for International Purchases
• Receive 5X UNIRinggit rewards points for eating expenditures.
• To obtain 50 bonus points, activate your UOB VISA Infinite Card and spend a minimum of RM5,000 within 60 days of the card’s acceptance date. Using your UOB VISA Infinite Card to spend RM5,000 in 30 days, you’ll receive 12 complimentary limousine rides to KLIA as a UNIRinggit benefit.
• 20% off TBR’s overseas luxury airport transfer service
• 20% off at more than 200 airport food establishments and 25% off fast-track immigration speed passes at more than 450 international airports
• Utilize your earned UNIRinggit reward points to receive 2X Air Miles during your birthday month; T&Cs apply. Travel insurance up to RM500,000 is required.
• 0% interest EPP with a 12-month repayment period for up to RM10,000 in educational, medical, or luxury expenses
• No interest For purchases of RM3,000 and more made at hotels, travel agencies, and airlines, there is an easy payment plan with a three-month repayment period.
• Redeem any reward with Visa Infinite Concierge Services using UNIRinggit, including gift cards for restaurants and shops, miles for travel, and a waiver of yearly fees.

Eligibility

• RM120,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM600 annual fee for primary card and RM300 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign period are approved by UOB Malaysia and spend RM50,000 and above annually.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

7. UOB One Card

Features & Benefits

• When you fulfil the minimum spend requirement of RM500 per statement month, you can receive up to 10% cashback (limited at RM100 per statement month) on purchases of petrol, meals, some goods and Grab.
• If you don’t reach the minimum spend criterion, you can get up to 0.2% cashback (limited at RM100 per statement per month) on expenditures made for petrol, eating, some goods and Grab.
• On all other retail purchases, up to 0.2% cashback is available; there is no minimum spend restriction or cashback cap.
• No minimum purchase is necessary to qualify for cash rebates.
• enjoy special savings and benefits for travel, recreation, health, and beauty.
• 0% Overseas Easi-Payment Plan for International (up to RM3,000) and Medical (up to RM1,000) expenses.
• 20 days interest-free period.

Cash Back Rates

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM120 annual fee for primary card and RM60 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

8. UOB PRVI Miles Card

Features & Benefits

• When you spend money at least three times each month (minimum expenditure required; only certain redemptions are permitted), you’ll receive a bonus of 2,000 UNIRM.
• 5X UNIRM for spending abroad
• Spending on airfare, hotels, and travel agencies can earn up to 5X UNIRM Points, with a total cap of RM5,000.
• 50% OFF Grab Rides (limited vouchers, up to RM10 off)

Eligibility

• RM60,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM198 annual fee for primary card and RM30 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

9. UOB Preferred Card

Features & Benefits

• Every Monday through Friday, The Coffee Bean & Tea Leaf locations offer 1-for-1 drinks.
• For purchases made at Golden Screen Cinemas on Friday only, get one movie ticket free.
• On meals out, groceries, entertainment, gas and recurring purchases, get up to 5X UNIRM.

Eligibility

• RM40,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM198 annual fee for primary card and RM30 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

10. UOB PRVI Miles Elite Card

Features & Benefits

• Earn 10X UNIRM for each RM1 spent abroad.
• For every RM1 spent on an airline, earn 5X UNIRM.
• Earn 1X UNIRM for each RM1 spent locally.
• Take advantage of 8X free entry to the Plaza Premium Lounge at 17 airports in more than 9 countries and territories.
• When you pay your annual fee, you’ll also get 60,000 UNIRM extra.
• Get a free trip from KLIA1 when you spend at least $3 on retail items abroad each month.

Eligibility

• RM100,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM600 annual fee for the primary card and free of charge for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

11. UOB EVOL Card

Features & Benefits

• Get up to 8% cashback on purchases made at sustainable merchants (up to RM50 monthly)
• Up to RM50 per month in rewards on entertainment, internet, and contactless parking purchases
• Get 0% Easi-Payment Plan – any foreign currency spent for a minimum of RM3,000 (single or aggregated receipt/s) will convert to 3 monthly repayments at 0% interest. T&Cs apply.
• Pay with just a wave.
• Exclusive eating, shopping, health & beauty, travel, and leisure discounts only available to UOB customers
• Interest-free term of 20 days

Cash Back Rates

UOB EVOL Benefits	Details of Benefits
Cashback	Maximum 8% reward on purchases made at eco-friendly stores, online, and in restaurants. Maximum 5% cashback on internet, entertainment, and contactless parking purchases.
Cashback qualifications	Tier 1 – RM1,000 minimum monthly spend Tier 2 – RM2,000 minimum monthly spend
Monthly maximum cashback	Tier 1 – RM 30 Tier 2 – RM 50

Eligibility

• RM36,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• RM90 annual fee for primary card and RM30 for supplementary card.
• The annual charge will only be eliminated for 3 years when qualified cardmembers’ applications filed during the campaign are approved by UOB Malaysia.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

12. UOB Simple Card

Features & Benefits

• When you make your minimum payment on time each month and before the due date, you can receive 10% cashback on finance costs on purchases and cash advances.
• Cashback is not capped.
• There are no late fees.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be at least 21 years old.
• Minimum age is 18 (supplementary cardholder).

Fees & Charges

• The annual premium for primary card supplementary cards is free.
• There is RM25 for sales and services tax on the activation and anniversary dates of each major and supplementary card.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

13. UOB Platinum Business Card

Features & Benefits

• 1.2% back on international purchases
• 0.5% return on local purchases excluding petrol and government fees
• 0.2% return on utility and JomPay purchases
• Benefit from travel insurance coverage of up to RM1 million.

Eligibility

• RM60,000 is the minimum annual income.
• The principal cardholder must be at least 30 years old.
• Any Business, Sole Proprietor or Partnership is applicable.

Fees & Charges

• RM150 annual fee for primary card and RM0 for supplementary card.
• The annual charge will only be eliminated for three years when qualified cardmembers’ applications are filed during the campaign period and approved by UOB Malaysia. Additionally, you can benefit from a two-year waiver of the yearly charge and a fee waiver after the first two years if you spend more than RM24,000 each year after that.
• There is RM25 for sales and services tax on each major’s activation and anniversary dates.
• RM50 or 5% of the outstanding amount, whichever is higher for the minimum monthly payment.
• There is a charge of RM10 or 1% of the outstanding late payment fee, up to a maximum of RM100.
• RM20 or 5% of the outstanding amount, whichever is higher for the cash withdrawal fee.
• 18% for the interest rate on cash withdrawals.

 

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:

1. 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

• • 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

• • 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.

2. 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.

3. 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

• • 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

• • 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.

4. 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

• • 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

• • 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. An efficient strategy to manage your credit card debt and set your financial commitments in line with your capacity is to use the UOB Balance Transfer feature with the UOB credit card.

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.

 

**Disclaimer: This article is only offered for general informational reasons and is not meant to cover all facets of the subjects it addresses. It is not meant to be taken as advice you should rely on. You must seek expert or professional advice before acting or refraining from acting based on the information in this publication. The content in this publication does not represent professional advice from Wise Payments Limited or its affiliates in law, taxes, or other matters. A comparable outcome is not always assured by past performance. We give no assurances that the information in the publication is accurate, full, or up to date, either explicitly or implicitly.

 

Frequently Asked Questions (FAQs)

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