UOB ONE Card

Put money back into your pocket with the UOB ONE Card, a credit card that earns you up to 10% cashback for your petrol, dining, selected grocers and Grab spending.

UOB ONE CardUnlimited 0.2% cashback on other retail spend
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

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Cashback

Get up to 10% cashback every month on selected categories such as petrol, dining, selected grocers and Grab spending, provided that you meet the minimum retail spend per statement month as required, capped at RM15 per spend category for UOB ONE Card. Other eligible purchases get you 0.2% cashback, uncapped.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Petrol (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Petrol (If minimum retail spend per statement month is not met)0.2%RM15 up to RM1,499 monthly
Groceries (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Groceries (If minimum retail spend per statement month is not met)0.2%RM15 up to RM1,499 monthly
Dining (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Dining (If minimum retail spend per statement month is not met)0.2%RM15 up to RM1,499 monthly
Grab (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Grab (If minimum retail spend per statement month is not met)0.2%RM15 up to RM1,499 monthly
Other Retail Spend0.2%uncappedany amount monthly

Petrol

Protect yourself from fluctuating prices of RON95 and RON97 with the UOB ONE Card. Get 10% cashback on Petrol if you spend a minimum of RM1,500 per statement month. Otherwise, earn 0.2% cashback if you spend less than that.

Premium

Enjoy exclusive dining deals nationwide, including travel and lifestyle, plus health and beauty perks with UOB ONE Card. To top it off, you can also enjoy special deals or travel tips, brought to you exclusively by none other than The Travel Insider.

Balance Transfer

Feeling weighed down by credit card bills? UOB Balance Transfer offers flexible repayment options for both new and existing UOB cardmembers. New cardmembers can enjoy 0% p.a. for 6 months, while existing cardmembers enjoy rates from 3.80% p.a., with tenures of up to 60 months. Transfer a minimum 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
12 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
24 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
36 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
48 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
60 months3.8% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer

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
68 months0% p.a. and no one-time upfront handling feeRM500
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM195 primary card

    Waived when you're a New To Bank customer for the first year (campaign ends 31 December 2026).

    Waived when spend a minimum of RM20,000 per year (effective 1 January 2026)

  • RM100 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, whichever is higher
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 to 60 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
Enjoy flexible payment tenures up to 60 months. New card members get 0% p.a. for 6 months, while existing card members enjoy rates from 3.80% p.a.

Review

Credit Card » UOB
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