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 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)
  • RM72.08 annual fee

Apply online now for UOB One Visa Classic

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for UOB One Visa Classic

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to UOB website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.

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 CategoryCashback RateMonthly CapSpend
CinemaSpendany amount monthly on weekends only8%uncappedany amount monthly on weekends only
CinemaSpendany amount monthly2%uncappedany amount monthly
PetrolSpendany amount in a single receipt on weekends only5%RM300any amount in a single receipt on weekends only
PetrolSpendany amount in a single receipt1%RM300any amount in a single receipt
GroceriesSpendany amount monthly on weekends only2%RM1000any amount monthly on weekends only
GroceriesSpendany amount monthly1%RM1000any amount monthly
TelecommunicationSpendfrom RM1 and above monthly on weekends only2%RM200from RM1 and above monthly on weekends only
TelecommunicationSpendany amount monthly1%RM200any amount 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
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
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? 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.

Read More