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

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for UOB One Visa Classic

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My income is greater than RM24000 a year. That's at least RM2000 monthly.

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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 Category		Cashback Rate	Monthly Cap	Spend
Petrol	Spendfrom RM1 up to RM300 monthly on weekends only	5%	RM15	from RM1 up to RM300 monthly on weekends only
Petrol	Spendfrom RM1 up to RM300 monthly	2%	RM6	from RM1 up to RM300 monthly
Cinema	Spendany amount in a single receipt on weekends only	5%	uncapped	any amount in a single receipt on weekends only
Cinema	Spendany amount in a single receipt	2%	uncapped	any amount in a single receipt
Groceries	Spendfrom RM1 up to RM1000 monthly on weekends only	2%	RM20	from RM1 up to RM1000 monthly on weekends only
Groceries	Spendfrom RM1 up to RM1000 monthly	1%	RM10	from RM1 up to RM1000 monthly
Telecommunication	Spendfrom RM1 up to RM200 monthly on weekends only	2%	RM4	from RM1 up to RM200 monthly on weekends only
Telecommunication	Spendfrom RM1 up to RM200 monthly	1%	RM2	from RM1 up to RM200 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: 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

All fees & charges are inclusive of 6% GST if applicable

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.