UOB One Visa Classic credit card

UOB One Visa Classic

Put money back into your pocket with the UOB ONE Visa Classic, a credit card that earns you cashback on everything you buy, anytime, anywhere.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 7.77% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM72.08 annual fee

Apply online now for UOB One Visa Classic

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 5% cashback on petrol and movie tickets, 2% on groceries and mobile. Plus, you can earn up to 10% SMART$ Rebates in addition to your normal cash back rates. Double savings!
Discover how much you can save when you shop with your new UOB One Visa Classic
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendfrom RM1 up to RM300 monthly on weekends only5%RM15from RM1 up to RM300 monthly on weekends only
PetrolSpendfrom RM1 up to RM300 monthly2%RM6from RM1 up to RM300 monthly
CinemaSpendany amount in a single receipt on weekends only5%uncappedany amount in a single receipt on weekends only
CinemaSpendany amount in a single receipt2%uncappedany amount in a single receipt
GroceriesSpendfrom RM1 up to RM1000 monthly on weekends only2%RM20from RM1 up to RM1000 monthly on weekends only
GroceriesSpendfrom RM1 up to RM1000 monthly1%RM10from RM1 up to RM1000 monthly
TelecommunicationSpendfrom RM1 up to RM200 monthly on weekends only2%RM4from RM1 up to RM200 monthly on weekends only
TelecommunicationSpendfrom RM1 up to RM200 monthly1%RM2from RM1 up to RM200 monthly
Other RetailSpendany amount monthly0.2%uncappedany 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 OverWith Interest Rate AtWhen You Transfer
6 months7.77% p.a. and no one-time upfront handling feefrom RM1000 
12 months7.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
6 months3.3% p.a. and no one-time upfront handling feefrom RM1000 
12 months6% p.a. and no one-time upfront handling feefrom 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 OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months3% one-time upfront handling feefrom RM500 
18 months4% one-time upfront handling feefrom RM500 
Learn more about UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
18 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Instalment Payment Plan
Petrol
Are you totally reliant on your car to get around? Get high 5% cashback on petrol capped at RM300 each month.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM72.08
Annual Fee for Supplementary Card
RM31.80
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

*inclusive of 6% GST

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? Not quite. Swipe your new UOB One Visa Classic for all your daily purchases instead of using cash to get huge savings on all the essentials. UOB gives special cashback rates for petrol, movie tickets, groceries, pharmacy products and even your phone bill.

UOB One Visa Classic offers 5% cashback on petrol and all spending at Golden Screen Cinemas on weekends, but only 2% cashback on weekdays. The same applies for cashback on groceries and payments to your mobile service provider - no matter if you use DiGi, Maxis, TuneTalk or Celcom.

You're mostly free on the weekends aren't you? Might as well do all your shopping and bill payments then!

10% Weekday Cash Rebate

But there’s more! UOB also gives you up to 10% rebates when you shop at merchants which are participating in the SMART$ programme. So you’ll earn both SMART$ rebates and cashback – that’s double the rewards!

Where to spend so you can earn this ridiculously high cash back rate? Participating merchants include BHPetrol, Timberland, GSC, and Charles & Keith to name a few.

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 enrol into this plan.

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