UOB One Visa Classic

Put money back into your pocket with the UOB ONE Visa Classic, a credit card that earns you up to 8% cashback for all of your everyday purchases.

15% p.a. interest rate
20 days interest-free period
up to 8% cashback
7.77% p.a. balance transfer over 6 months
Easy Payment Plan (EPP)
RM68.00 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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2017-11-152018-12-31

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*Get a Sports Action Camera upon Card Activation - Terms and Conditions apply.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback

8% cash rebate movie tickets, 5% on petrol and 2% on groceries and mobile plans - every Saturday and Sunday. On top of that, with the SMART$ Rebate Programme you'll get up to 10% cash back at participating UOB SMART$ merchants

Discover how much you can save when you shop with your new UOB One Visa Classic
Cashback Category		Cashback Rate	Monthly Cap	Spend
Cinema	Spendany amount monthly on weekends only	8%	uncapped	any amount monthly on weekends only
Cinema	Spendany amount monthly	2%	uncapped	any amount monthly
Petrol	Spendany amount in a single receipt on weekends only	5%	RM300	any amount in a single receipt on weekends only
Petrol	Spendany amount in a single receipt	1%	RM300	any amount in a single receipt
Groceries	Spendany amount monthly on weekends only	2%	RM1000	any amount monthly on weekends only
Groceries	Spendany amount monthly	1%	RM1000	any amount monthly
Telecommunication	Spendfrom RM1 and above monthly on weekends only	2%	RM200	from RM1 and above monthly on weekends only
Telecommunication	Spendany amount monthly	1%	RM200	any amount monthly
Other Retail	Spendany amount monthly	0.2%	uncapped	any amount monthly

Balance Transfer

Credit card bills hanging heavy over your shoulder? Apply for the UOB Balance Transfer with attractive interest rates from as low as 3.3%.

Pay Over	With Interest Rate At	When You Transfer
6 months	7.77% p.a. and no one-time upfront handling fee	from RM1000
12 months	7.88% p.a. and no one-time upfront handling fee	from RM1000
18 months	7.99% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 months	3.3% p.a. and no one-time upfront handling fee	from RM1000
12 months	6% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plan (EPP)

Convert your purchases to Easi Payment Plan. Any purchases worth RM500 or more can be converted into a 6-month, 12-month, or 18-month installments from as low as 2% of interest! Pay 0% instalment of UOB Instalment Payment Plan on purchases at participating merchants.

Pay Over	With Interest Rate At	When You Spend
6 months	2% one-time upfront handling fee	from RM500
12 months	3% one-time upfront handling fee	from RM500
18 months	4% one-time upfront handling fee	from RM500

Learn more about UOB Easi-Payment Plan

Pay Over	With Interest Rate At	When You Spend
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
18 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000
36 months	0% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Instalment Payment Plan

Petrol: Protect yourself from fluctuating prices of RON95 and RON97 happening every Thursday with UOB ONE Visa Classic credit card. Get 5% cashback on petrol, capped at RM300 per month, every weekend and 1% cashback every other day.

Premium: Are you a foodie? Then you can fully enjoy exclusive dining privileges at over 150 dining outlets nationwide at 15% discount with UOB ONE Visa Classic.

Fees & Charges

There are always fees but how much are they?

Annual Fee: RM68.00
Annual Fee for Supplementary Card: RM30.00
Minimum monthly payment: RM50 or 5% of outstanding amount
Late payment fee: RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee: RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals: 18%
Contact-less Payment Methods: payWave

Requirements

Are you eligible for this credit card?

Minimum annual income: RM24000
Minimum age for primary card holder: 21 years old
Who can Apply: Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan: UOB Easi-Payment Plan; UOB Instalment Payment Plan; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Balance Transfer: UOB Balance Transfer; UOB Fixed-Pay Balance Transfer; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

UOB One Visa Classic review

What's so good (or not so good) about it?

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

Double The Rewards

Is cash still king? You bet. Swipe your new UOB ONE Visa Classic for all your daily purchases on all the essentials and be rewarded with cash rebates. How does it work?

Well, for every other day, you can earn up to 2% cashback on petrol, cinema, groceries, telco and other retails. Come weekends, you can maximize your UOB ONE Visa Classic spending for its generous cashback rates.

8% cashback when you spend at cinema, especially at Golden Screen Cinema you'll get extra 5% SMART$ Rebate; 5% cashback when you pump your vehicle at any petrol stations nationwide; and 2% when you perform telco bill payments or transactions as well as groceries shopping.

Other than these, 0.2% cash rebate will be credited to you.

SMART$ Rebate

Your cash rewards don’t stop here. Swipe your UOB ONE Visa Classic at any SMART$ approved outlets and you’ll get extra cash rebates on your purchases of up to 10%. That doubles the savings you can gain from this credit card.

There are a host of SMART$ merchants you can look out for ranging from food and beverages to shopping, home living, gadget, beauty and what have you. Be smart with your purchases!

Great Dining Discounts

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 Visa Platinum and enjoy up to 15% discounts. If you noticed from the beginning, that is triple the savings you have already gained with this credit.

Low Interest Rates

Planning on getting a balance transfer? UOB offers flexible ways for you to save when you transfer your credit balance with another bank onto your UOB ONE Visa Classic. With UOB Balance Transfer you can choose between payment tenures of 6, 12 or 18 months with interest rates as low as 7.77%.

Not what you're looking for? UOB is also offering another balance transfer plan with 6-month Fixed-Pay Balance Transfer plan. At low 3.3% interest, you’ll get a lot more savings than you would on the 12-month plan or the regular UOB Balance Transfer.

Bargain Deals with 0% Easy Payment Plan ( EPP)

Stop making window shopping a frequent pastime! In case you find merchandise which you can’t readily afford, UOB offers 0% interest on monthly instalments with Easi-Payment Plan. Just pick between tenures of 6, 12, or 18 months and pay an upfront fee of 2 to 4%.

To qualify, your purchase needs to be at least RM500 to enroll into this plan.