UOB EVOL Card

Enjoy up to 10% cashback and up to 5X UNIRinggit when you use UOB EVOL Card. Plus, enjoy great deals, discounts and an annual fee waiver.

UOB EVOL CardAnnual fee waiver upon 1X retail transaction
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 10%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM200
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners

  • Choong Zhen Han
  • Lee Tiam Wee
  • Mark Chan Keat Jin
  • Nick Lau
  • Wan Izzul Fathi
  • Nurul Syahida
  • Larry Cheong
  • Vijay Nair
  • Gopikrishn Murthy
  • Mohd Wajdi Bin Mohd Fakhruddin
  • Muhammad Hafizuddin Bin Haja
  • Soh Yi Wan
  • Joan Ang Jean Man
  • Leong Hoong Kang
  • Muhammad Hidhir
  • Chin Choong Mun

Hear from our users

Find out how Malaysians start making smart financial decisions with us
VIEW MORE >

Cashback

Enjoy 10% cashback on online spending and 5% cashback on e-wallet top-ups by meeting a minimum monthly retail spend of RM1,000. Both cashback categories are capped at RM15 per month.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online Spend10%RM15from RM1,000 or above monthly
E-Wallet Transactions5%RM15from RM1,000 or above monthly

Rewards

Get rewarded with 5X UNIRinggit for every ringgit spent on dining and entertainment, while enjoying 1X UNIRinggit on all your other daily spending. Enjoy rewards with no minimum spend and unlimited UNIRinggit earnings on every transaction.

UOB UNIRinggit
EarnSpend
5 points on every RM1entertainment and dining purchases
1 point on every RM1other purchases

Balance Transfer

Feeling weighed down by credit card bills? With UOB Balance Transfer, new UOB credit card holders can enjoy 0% one-time upfront handling fees for 6 months and 1% for 12 months. Additionally, the UOB Balance Transfer Instalment offers fixed interest rates of 2.99% p.a. for new cardholders, with repayment tenures of 24 or 36 months. Enjoy these rates with a minimum transfer of RM1,000 or up to 80% of your credit/available limit, whichever is lower.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 3% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 1% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
24 months2.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months2.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
48 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
60 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer Instalment

Easy Payment Plans

Easily convert your purchases into manageable monthly installments with UOB 0% Easi-Payment Plan (EPP). This offer applies to single transactions between RM1,000 and RM5,000 made in foreign currencies or within the hotel, airline, travel, education, and entertainment sectors. Choose a repayment period that suits you with 3, 6, or 12-month installment options

UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months3.99% p.a.and no one-time upfront handling feeRM500
24 months3.99% p.a.and no one-time upfront handling feeRM500
36 months3.99% p.a.and no one-time upfront handling feeRM500
48 months3.99% p.a.and no one-time upfront handling feeRM500
60 months3.99% p.a.and no one-time upfront handling feeRM500
Learn more about UOB Easi-Payment Plan
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
68 months0% p.a. and no one-time upfront handling feeRM500
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM90 primary card

    First year free

    Waived when you make 1x retail* transaction per statement month. *Excluding FPX transactions and EPP / IPP monthly instalments from second month onwards. To add on, the supplementary card annual fee is waived for the first 2 years

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
0.37% of outstanding amount
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan
Convert up to 5 big purchases with a minimum of RM500 into affordable monthly instalments. Spend with your UOB Credit Card and enjoy attractive interest rates!
UOB Instalment Payment Plan
Shop your desired items from gadgets to retail fashion and others with a UOB 0% Instalment Payment Plan at any participating merchant outlets!
Balance Transfer Plans
UOB Balance Transfer
Get flexible repayments with UOB and enjoy 0% one-time upfront handling fees for a 6-month tenure, or 1% for 12 months, exclusively for new UOB credit cardholders.
UOB Balance Transfer Instalment
With the UOB Balance Transfer Instalment, you pay the same instalments every month for up to 60 months. Manage your mounting credit card debts now and enjoy fixed 2.99% p.a. interest for new cardholders while existing cardholders get as low as 5.99% p.a. interest.

Review

Up to 10% cashback to earn with UOB EVOL Card

Get rewarded every time you shop! The UOB EVOL Card offers a 10% cashback on online spend and 5% cashback on e-wallet transactions. All you need to do is hit a minimum monthly spend of RM1,000 to unlock these savings.

We also would like to highlight that there is a maximum cashback of RM15 for Online Spend and E-Wallet Transactions.

Enjoy up to 5X UNIRINGGIT for your spending

Turn your meals and movies into reward points! Earn 5X UNIRinggit on dining and entertainment, plus 1X UNIRinggit on all other purchases. With no minimum spend and unlimited earnings, you can start collecting rewards from the every Ringgit you spend.

Annual fee waiver

Similar to the previous UOB YOLO Card, you will get to enjoy an annual fee waiver with the UOB EVOL Card. 

The annual fee remains at RM90 or RM7.50 monthly for the Principal card, and RM30 for the Supplementary card. 

The first year is free for the Principal card, and the annual fee will be automatically waived upon one (1) retail transaction made per calendar month in the subsequent years. Meanwhile, the Supplementary cardholders can enjoy a 2-year annual fee waiver.

What is the eligibility requirement to apply for the UOB EVOL Card?

Anyone at the age of 21 years or older with a minimum monthly income of RM3,000 or RM36,000 annually is eligible to apply for the UOB EVOL Card.

What are the required documents to make an application?

If you are a salaried employee, please prepare:

  • A copy of your IC (both sides)
  • Latest 3 months' salary slips OR the latest EPF statement
  • Latest 6 months bank statements
  • Latest BE form with an official tax receipt

If you are self-employed, please prepare:

  • A copy of your IC (both sides)
  • A copy of Form 9, 24 & 49 OR Business Registration Certificate
  • Latest 6 months company bank statements
  • Latest B form with an official tax receipt

For foreigners, please prepare the documents below.

Salaried employee:

  • Copy of Passport and
  • Latest 2 months' salary slip**
  • Work permit valid for at least one (1) year at the time of application and
  • Letter of employment

**Number of months of salary slip required will depend on the job nature of applicants

Credit Card » UOB
✕
Apply Now

Answer a few questions with our chatbot

PDPA

We protect your personal information in compliance with the PDPA

We respect your privacy and we are committed to handle your personal information safely and responsibly
✕
Search Icon