UOB EVOL Card

Enjoy 8% cashback on selected sustainable merchants, 5% on online (including e-wallet top-up), entertainment and contactless parking spending. Plus, enjoy great deals and 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 8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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worth RM3148
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Cashback

Get 8% cashback on selected Sustainable Merchants such as L’occitane, Kiehl’s, Innisfree, M.A.C. makeup, Origins and The Body Shop. This list, however, is subject to change from time to time at the bank's discretion. You also get 5% cashback on Online Spending (including E-Wallet transactions), Entertainment and Contactless Parking. The monthly cashback cap will be based on your minimum cumulative spend on each calendar month.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Selected Sustainable Merchants Spend8%RM30from RM1,000up to RM1,999 monthly
Selected Sustainable Merchants Spend8%RM50from RM2,000 or above monthly
Online, Entertainment and Contactless Parking Spend5%RM30from RM1,000up to RM1,999 monthly
Online, Entertainment and Contactless Parking Spend5%RM50from RM2,000 or above monthly
E-Wallet Transactions5%RM15from RM1,000up to RM1,999 monthly
E-Wallet Transactions5%RM15from RM2,000 or above monthly

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

Convert your purchases made at participating merchants with UOB easy payment plans and enjoy low interest rates.

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
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. Additionally, eligible cardmembers whose application is submitted during the Campaign Period and successfully approved by UOB Malaysia will be entitled to enjoy a 1-year annual fee waiver. 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
RM20 or 5% of withdrawn amount, whichever is higher
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 8% cashback to earn with UOB EVOL Card

Card members of the EVOL card get to earn 8% cash back on Sustainable Merchants which are transactions made at L’occitane, Kiehl’s, Innisfree, M.A.C./MAC (makeup), Origins and The Body Shop (minimum spend and capping conditions apply). This list, though limited, may be changed from time to time, at the bank’s discretion. 

Moreover, you will also get 5% cashback on Online (including E-Wallet Transactions), Entertainment and Contactless Parking transactions (minimum spend and capping conditions apply).

Apart from that, the maximum cashback that you can earn monthly will be tiered based on your minimum cumulative spend each month. They are as follows.

  • RM30 monthly cashback cap: Minimum cumulative spend monthly from RM1,000 to RM1,999.99
  • RM50 monthly cashback cap: Minimum cumulative spend monthly from RM2,000 or above

We also would like to highlight that there is a maximum cashback of RM15 for E-Wallet Transactions, regardless of the minimum monthly cumulative spend shown above.

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.

Note: In addition, eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 1-year annual fee waiver. Check our page to find out more about the flash deal.

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

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