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
RM2,000/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
Cash Via DuitNow
worth RM5000
when you apply through RinggitPlus *

Cash Via DuitNow

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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 ONE Platinum Card and RM10 per spend category for ONE Classic Card. Other eligible purchases get you 0.2% cashback, uncapped.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Petrol - ONE Classic Card (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Petrol - ONE Classic Card (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 monthly
Petrol - ONE Platinum Card (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Petrol - ONE Platinum Card (If minimum retail spend per statement month is not met)0.2%RM15 up to RM1,499 monthly
Groceries - ONE Classic Card (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Groceries - ONE Classic Card (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 monthly
Groceries - ONE Platinum Card (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Groceries - ONE Platinum Card (If minimum retail spend per statement month is not met)0.2%RM15 up to RM1,499 monthly
Dining - ONE Classic Card (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Dining - ONE Classic Card (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 monthly
Dining - ONE Platinum Card (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Dining - ONE Platinum Card (If minimum retail spend per statement month is not met)0.2%RM15 up to RM1,499 monthly
Grab - ONE Classic Card (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Grab - ONE Classic Card (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 monthly
Grab - ONE Platinum Card (If minimum retail spend per statement month is met)10%RM15from RM1,500 or above monthly
Grab - ONE Platinum Card (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 RM500 for ONE Classic Card or a minimum of RM1,500 for ONE Platinum Card (per statement month). Get 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

Credit card bills hanging heavy over your shoulder? Transfer the outstanding balance from other bank's credit cards and apply for the UOB Balance Transfer with low rates over longer repayment tenures.

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
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2.68%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3.68%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 4.68%one-time upfront handling feefrom RM1,000
Learn more about UOB Fixed-Pay 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
3 months2.99% one-time upfront handling feeRM500
6 months2.99% one-time upfront handling feeRM500
12 months8.15% p.a.and no one-time upfront handling feeRM500
24 months8.15% p.a.and no one-time upfront handling feeRM500
36 months8.15% p.a.and no one-time upfront handling feeRM500
48 months8.15% p.a.and no one-time upfront handling feeRM500
60 months8.15% 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
  • RM120 primary card

    Waived when eligible cardmembers whose application is submitted during the Campaign Period and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver

  • RM60 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
RM24,000
Minimum Age
  • 21 years old primary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan
Longing for a brand-new item this year? Spend with a UOB credit card and convert a minimum purchase of RM500 into an affordable monthly instalment plan.
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 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 Fixed-Pay Balance Transfer
With UOB Fixed-Pay Balance Transfer you pay the same instalments every month for 6, 12 or 18 months. Manage your mounting credit card debts now!

Review

Go crazy on your cashback savings with the UOB ONE Card! It’s a classic credit card by UOB designed to give you more savings when you spend on the things that you need.

UOB ONE Card - cashback on daily expenses

Thinking of ways to save while spending? UOB ONE Card gives you cashback for all your daily purchases on all the essentials. 

How does it work? See the table below for more details:

Category Minimum Retail Spend Per Statement Month Not Met
(From RM0 - RM499)
Minimum Retail Spend Per Statement Month Is Met
(From RM500 or above)
Cashback Cap Participating Merchants
Petrol 0.2% 10% RM10
All petrol stations nationwide & Setel CardTerus (non-E-Wallet transactions)
Groceries 0.2% 10% RM10 AEON BiG, AEON Supermarket, Ben's Independent Grocer, Cold Storage, Econsave, Everise, Giant, Jaya Grocer, Lotus's, Mercato, Mydin, Survay & Village Grocer
Dining 0.2% 10% RM10 Selected merchants within MCC 5812 & 5814
Grab 0.2% 10% RM10 Grab Rides, GrabExpress, GrabFood, GrabMart & GrabPay
Other Retail 0.2% 0.2% Unlimited All other merchants not listed above

As for the ONE Platinum Card, here's how the cashback works. Note that the minimum spend is slightly higher at RM1,500 monthly and the cashback is also capped at RM15.

The cashback rate and the participating merchants, however, remain the same as the ONE Classic Card above.

CategoryMinimum Retail Spend Per Statement Month Not Met
(From RM0 - RM1,499)
Minimum Retail Spend Per Statement Month Is Met
(From RM1,500 or above)
Cashback CapParticipating Merchants
Petrol0.2%10%RM15All petrol stations nationwide & Setel CardTerus (non-E-Wallet transactions)
Groceries0.2%10%RM15AEON BiG, AEON Supermarket, Ben's Independent Grocer, Cold Storage, Econsave, Everise, Giant, Jaya Grocer, Lotus's, Mercato, Mydin, Survay & Village Grocer
Dining0.2%10%RM15Selected merchants within MCC 5812 & 5814
Grab0.2%10%RM15Grab Rides, GrabExpress, GrabFood, GrabMart & GrabPay
Other Retail0.2%0.2%UnlimitedAll other merchants not listed above

Great dining discounts with UOB ONE Card

What’s a platinum credit card without exclusive worldwide perks and privileges?

Dine at over 150 dining outlets across the country with your UOB ONE Card and enjoy fantastic deals and discounts. Click here to find out more.

Personal Internet Banking (PIB)

You'll also enjoy UOB personal online banking — a complimentary service platform where you can just do about everything at any time. Enjoy banking convenience at your fingertips wherever you are.

To apply for Personal Internet Banking (PIB), you must be:

  • 18 years old and above
  • An individual or joint account holder (with a signatory condition of anyone to sign)
  • Have a registered mobile number to receive SMS-OTP (One Time Password sent via Short Messaging System)

You can choose to apply for Personal Internet Banking (PIB) via Online Application, visit any UOB branch or stop by any UOB ATM. 

UOB Balance Transfer Plans

So you’ve accumulated credit card debts and are reluctant to pay high interest rates. UOB offers not one, but two balance transfer plans to help you manage your credit debt.

UOB Balance Transfer gives you the flexibility of 6, 12 and 18-month repayment plans at zero interest rates.

You only need to pay an upfront fee of

  • 3% upfront fee for 6 months
  • 4% upfront fee for 12 months
  • 5% upfront fee for 18 months

You can also choose to sign up for UOB Fixed-Pay Balance Transfer which comes in three plans:

  1. 6-month plan at 2.68% upfront fees
  2. 12-month plan at 3.68% upfront fees
  3. 18-month plan at 4.68% upfront fees

The one-time interest charge you've selected will be spread across your repayment period.

Am I eligible to apply for a UOB ONE Card?

Anybody aged 21 years old and above with a minimum monthly income of RM2,000 or RM24,000 annually is eligible to apply for a UOB ONE Card. This Classic card has an annual fee of RM120 for the primary card and RM60 for the supplementary card. However, there's no annual fee waiver.

Or, if you're earning RM36,000 annually or RM3,000 per month, you might be eligible to apply for the Platinum version of the UOB ONE Card. The UOB ONE Platinum Card comes with an annual fee of RM195 for the primary card and RM100 for the supplementary card, without an annual fee waiver as well.

*The UOB ONE Platinum Card application is subject to the bank's discretion. If you require further details or assistance, please reach out to the bank directly.

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 3-year annual fee waiver. Check our page to find out more about the flash deal.

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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