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, Grocery and Grab spending.

UOB One CardUp to 10% cashback to collect!
Min. Income
RM2,000/month
Annual Fee
RM120
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, Groceries, Dining and Grab spending, provided that you meet the minimum retail spend per statement month as required; capped at RM10 monthly for each category. Other eligible purchases get you 0.2% cashback, uncapped.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Petrol (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Petrol (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 monthly
Groceries (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Groceries (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 monthly
Dining (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Dining (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 monthly
Grab (If minimum retail spend per statement month is met)10%RM10from RM500 or above monthly
Grab (If minimum retail spend per statement month is not met)0.2%RM10 up to RM499 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 and Setel CardTerus (non-e-wallet transactions) if you spend RM500 or above monthly. Or 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? Apply for the UOB Balance Transfer with low-interest rates for up to 18 months.

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

Enjoy a 0% Overseas Easi-Payment Plan (in foreign currencies) over a 3-month tenure with a minimum conversion that is equivalent to RM3,000 in a single/combined transaction(s). Plus, 0% EPP over a 3-month tenure for selected Medical Purchases with a minimum of RM1,000 in a single transaction. Otherwise, enjoy other UOB EPPs with lower interests at participating merchants.

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
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM1,000
6 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about UOB Instalment Payment Plan
UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months2.99% one-time upfront handling feeRM500
12 months3.99% p.a.and no one-time upfront handling feeRM500
24 months3.99% p.a.and no one-time upfront handling feeRM1,000
36 months3.99% p.a.and no one-time upfront handling feeRM1,000
48 months3.99% p.a.and no one-time upfront handling feeRM2,000
60 months3.99% p.a.and no one-time upfront handling feeRM2,000
Learn more about UOB Easi-Payment Plan

Fees & Charges

Annual Fee
  • RM120 primary card
  • 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 Overseas Easi-Payment Plan
Shop your heart out while travelling overseas and convert the payment to 3 monthly repayments at 0% interest.
UOB Instalment Payment Plan
Shop your desired items with UOB 0% Instalment Payment Plan when you shop at any UOB 0% IPP merchant outlets!
UOB Easi-Payment Plan
Longing for a brand new item this year? Spend with UOB credit card and convert minimum purchase of RM500 into an affordable monthly instalment plan.
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

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. 

0% EPPs for your shopping expenses

Spend with a UOB credit card in any foreign currency of at least equivalent to RM3,000 in a single and/or accumulated receipt(s) and convert it to a 3-monthly Overseas Easi-Payment Plan at 0% upfront interest. However, transactions such as cash advances, balance transfers, flexi-credit plans, finance charges, late charges, annual fees, split/void transactions, refunds/reversals, taxes and other transactions are not considered Eligible Spending. Check the T&C here.

Furthermore, you can also pay 0% interest on selected Medical Purchases and split your payments into a 3-month tenure. You only need to spend a minimum of RM1,000 in a single transaction to convert to this EPP. For full terms and conditions, you can click here.

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 a 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 UOB One Card? What are the documents required?

Anybody aged 21 years old and above with a minimum monthly income of RM2,000 or RM24,000 annually is eligible to apply for 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 RM48,000 annually or RM4,000 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.

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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