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.

UOB One Visa ClassicUp to 5% Cashback
Min. Income
RM2,000/month
Annual Fee
RM68
Cashback
up to 8%
Balance Transfer
From 3.3% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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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

Cashback categoryCashback rateMonthly capSpend
Cinema8%uncappedany amount on weekends only
Cinema0.2%uncappedany amount monthly
Petrol5%RM200up to RM200 on weekends only
Petrol1%RM200up to RM200 monthly
Groceries2%RM500up to RM1,000 on weekends only
Groceries0.2%RM500up to RM1,000 monthly
Telecommunication2%RM200up to RM200 on weekends only
Telecommunication0.2%RM200up to RM200 monthly
Other Retail0.2%uncappedany amount monthly

Petrol

Protect yourself from fluctuating prices of RON95 and RON97 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.

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 months3.3% p.a. and no one-time upfront handling feefrom RM1,000
12 months6% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Fixed-Pay Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
6 months3.3% p.a. and no one-time upfront handling feefrom RM1,000
12 months6% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plans

Convert your purchases to Easi Payment Plan with any purchases worth RM500 into a 6-month, 12-month, or 18-month installments with interest rate from as low as 2.99%. Pay 0% instalment of UOB Instalment Payment Plan on purchases at participating merchants.

UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
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% one-time upfront handling feeRM500
18 months4.99% one-time upfront handling feeRM500
24 months5.99% one-time upfront handling feeRM2,000
36 months6.99% one-time upfront handling feeRM2,000
Learn more about UOB Easi-Payment Plan

Fees & Charges

Annual Fee
  • RM68 primary card
  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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
payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Instalment Payment Plan
UOB InStore is an online store where shopping can be charged to your credit card at 0% interest. Choose the monthly installment plan that suits your budget
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 Fixed-Pay Balance Transfer
With UOB Fixed-Pay Balance Transfer you pay the same installments every month for 6 or 12 months. Manage your mounting credit card debts now!
UOB Fixed-Pay Balance Transfer
With UOB Fixed-Pay Balance Transfer you pay the same installments every month for 6 or 12 months. Manage your mounting credit card debts now!

Review

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.

Cashback on Daily Spend

Thinking of ways to save while spending? UOB ONE Visa Classic credit card gives you cashback for all your daily purchases on all the essentials. How does it work? See table below for more details:

CategoryWeekday CashbackWeekend CashbackMaximum Spend Per Month Merchants
Cinema0.2%8%UnlimitedGolden Screen Cinema
Petrol1%5%Up to RM300
All petrol stations nationwide
Groceries0.2%2%Up to RM1,000Tesco, Aeon Big, Giant, Cold Storage
& Jaya Grocer
Telco0.2%2%Up to RM200Maxis, Digi & Celcom
Other Retail0.2%0.2%UnlimitedAll other merchants not listed above

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 a small upfront fee. 

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