Formerly known as the UOB YOLO card, enjoy upgraded cashback benefits of up to 8% on Sustainable Merchants, Online, Entertainment and Contactless Parking spending. Plus, enjoy 0% EPP, great deals and discounts and an annual fee waiver.

UOB EVOL Card8% cashback on sustainable merchants
Min. Income
Annual Fee
up to 8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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. Other than that, you also get 5% cashback on Online (including E-Wallet transactions), Entertainment and Contactless Parking. The monthly cashback cap, on the other hand, is according to your minimum cumulative spend on each month.

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


Enjoy exclusive deals and offers all year round from various participating travel and lifestyle merchants of UOB. From notable hotels such as Banyan Tree Kuala Lumpur, Lexis Hotels & Resorts, and Mangala Resort & Spa to renowned airlines like Malaysia Airlines, Turkish Airlines and more - don't forget to check out UOB's promotions page from time to time.

Balance Transfer

Stop paying high-interest rates on your credit card debt and transfer your balance to a low-interest card with UOB Balance Transfer.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer

Easy Payment Plans

Enjoy a 0% Overseas Easi-Payment Plan with a minimum conversion of RM3,000 over 3-month repayment tenure. Moreover, pay 0% interest with UOB Instalment Payment Plan on purchases at participating merchants nationwide.

UOB Overseas Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM3,000
Learn more about UOB Overseas Easi-Payment Plan

Fees & Charges

Annual Fee
  • RM90 primary card

    First year free

    Waived when you make 1 retail transaction with no minimum spend, per month

  • 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
Contact-less Payment Methods
Visa payWave


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


Easy Payment Plan
UOB Overseas Easi-Payment Plan
Shop your heart out while travelling overseas and convert the payment to 3 monthly repayments at 0% interest.
Balance Transfer Plans
UOB Balance Transfer
Enjoy flexible repayments with UOB. With a minimum payment of 5% of the outstanding amount each month you call the shots as you pay off your debts.


UOB rebranded the YOLO Card to UOB EVOL Card

As an additional effort to provide local consumers with the best user experience, UOB has rebranded the then UOB YOLO Card to the brand-new UOB EVOL Card which took effect from 1 April 2023 onward.

Apart from the card face and name change, the cashback benefits including the monthly cap and minimum spend, including the cashback allocation per month, have been upgraded as well; while the other card feature remains the same. 

As shown in the FAQ sheet provided by UOB, here’s a comparison between the past benefits of the YOLO card and the newly enhanced benefits of the EVOL card.

Until 31 March 2023
From 1 April 2023 onward
Cashback5% cashback on:
Online (including E-Wallet Transactions)
8% cashback on:
Sustainable Merchants

5% cashback on:
Online (including E-Wallet transactions)
Contactless Parking
Monthly cashback cap per customerRM30
*with RM15 sub-cap for E-Wallet transactions)
Tier 1: RM30
Tier 2: RM50
*with RM15 sub-cap for E-Wallet transactions)
Minimum monthly spendRM600Tier 1: RM1,000
Tier 2: RM2,000
Monthly cashback allocation*RM200,000*Unlimited

*Refers to the total Cashback payout capping of RM200,000 allocated per calendar month which was rewarded on a first-come, first-served basis.

Should you be an existing UOB YOLO card member, you shall continue using the card up until the renewal date comes, i.e. your card’s expiry date. When it’s time to renew your YOLO card, you’ll get the brand-new EVOL card with upgraded benefits instead.

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. makeup, Origins and The Body Shop. 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.

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.

UOB 0% Easi-Payment Plan for overseas shopping

If you fancy shopping abroad, you can split your retail purchases into 3 months of flexible repayments at zero interest with the UOB 0% Overseas Easi-Payment Plan. 

To enjoy this benefit, you must spend in any foreign currency at least the equivalent of RM3,000 in a single receipt or accumulated receipt(s). 

Give a call to UOB Contact Centre if you wish to use this benefit. Terms and conditions apply!

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, and the annual fee will be automatically waived upon one retail transaction made per calendar month in the subsequent years.

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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