UOB Preferred Card

Get 5X UNIRinggit when you spend on dining, grocery and entertainment. Plus, 3X UNIRinggit all year long for your petrol and recurring transactions - no minimum spend and no limitations.

UOB Preferred Card1-for-1 deals and earn up to 5X UNIRM
Min. Income
RM3,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Apple iMac M4
worth RM5799
when you apply through RinggitPlus *

Apple iMac M4

Our Previous Winners

  • Muhammad Haizmeer
  • Norhara Norsham Kamal
  • Ong Zong Hang
  • Redzuan Yunus
  • Steven Ding Chow Hang
  • Tang Foung Khueng
  • Tan Sit Jau
  • Lee Chao Xiang
  • Pan Shun Wong
  • Shahril Bin Nazr
  • Zainizawati Khaidzir
  • Ku Zhi Wei
  • Fong Ee Lynn
  • Wong Cher Shing
  • Nik Fikri
  • Mohamad Yazid

Hear from our users

Find out how Malaysians start making smart financial decisions with us
VIEW MORE >

Rewards

Get rewarded with 5X UNIRinggit for dining, grocery and entertainment spending. Meanwhile, 3X UNIRinggit with every spend on petrol purchases and recurring payments all year long with a UOB Preferred Card. 1X UNIRinggit on other local spending. The accumulated UNIRinggit points can be redeemed with gifts, vouchers, etc. via the UNIRinggit Rewards Catalogue or even offset selected purchases by paying with UNIRinggit which is accessible through the UOB TMRW mobile app.

UOB UNIRinggit
EarnSpend
5 points on every RM1on dining, grocery, and entertainment spending (limited to RM1,000 spend per category)
3 points on every RM1on petrol (limited to RM500 spend), and recurring transactions
1 point on every RM1on other local spending

Petrol

Get 3X UNIRM Points for every Ringgit spent on petrol transactions, capped at a combined transaction of RM500.

Premium

Enjoy a 1-for-1 deal for drinks at the Coffee Bean & Tea Leaf outlets every Monday to Friday (selected outlets only). Buy any beverages and enjoy one complimentary drink (will be of equivalent value or less). On top of that, if you buy GSC movie tickets online (via the website or app) every Friday, you'll get one complimentary ticket too. However, the free ticket is only applicable to standard seats at normal cinemas and is limited to one (1) free ticket per transaction per day. Other terms may apply for both privileges.

Balance Transfer

Are credit card bills hanging heavy over your shoulder? Enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit card holders, respectively, via UOB Balance Transfer. The UOB Balance Transfer Instalment also offers a fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest over 12, 24, 36, 48 and 60 months. These offers are valid until 31 December 2024 with a minimum transfer of RM1,000 or up to 80% of the credit limit/available limit, whichever is lower.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 1%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
12 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
48 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
60 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer Instalment

Easy Payment Plans

Convert your purchases made at participating merchants with UOB easy payment plans and enjoy low interest rates.

UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months2.99% one-time upfront handling feeRM500
6 months2.99% one-time upfront handling feeRM500
12 months8.15% p.a.and no one-time upfront handling feeRM500
24 months8.15% p.a.and no one-time upfront handling feeRM500
36 months8.15% p.a.and no one-time upfront handling feeRM500
48 months8.15% p.a.and no one-time upfront handling feeRM500
60 months8.15% p.a.and no one-time upfront handling feeRM500
Learn more about UOB Easi-Payment Plan
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM198 primary card

    Waived when eligible cardmembers whose application is submitted during the Campaign Period and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation 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%

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old primary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan
Longing for a brand-new item this year? Spend with a UOB credit card and convert a minimum purchase of RM500 into an affordable monthly instalment plan.
UOB Instalment Payment Plan
Shop your desired items from gadgets to retail fashion and others with a UOB 0% Instalment Payment Plan at any participating merchant outlets!
Balance Transfer Plans
UOB Balance Transfer
Get flexible repayments with UOB and enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit cardholders, respectively, valid until 31 December 2024.
UOB Balance Transfer Instalment
With the UOB Balance Transfer Instalment, you pay the same instalments every month for up to 60 months. Manage your mounting credit card debts now and enjoy fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest.

Review

A preferred lifestyle begins with the right credit card. Choose the UOB Preferred Card that is packed with benefits and privileges suitable for your everyday expenses.

Annual fee waiver

Please note that eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver. You can check our page to find out more about the flash deal.

Get UNIRinggit with every swipe of the UOB Preferred Card

Get rewarded with UNIRinggit whenever you swipe your UOB Preferred Card on eligible categories such as Petrol and Recurring Payments. For every RM1 spent on each category, you will earn 3x UNIRinggit respectively. Other types of local spending earn you 1x UNIRinggit for every RM1 spent.

On the other hand, when you spend on Dining, Grocery, and Entertainment, you can get rewarded with 5x UNIRinggit.

The best part about earning UNIRinggit is that there is no minimum spending required and no limitations applied. 

You can redeem UNIRinggit with a host of amazing gift vouchers, merchandise, and air miles, and even pay off your annual fee from the UOB UNIRinggit Rewards Catalogue. To top it off, you may also offset selected purchases by paying with your accumulated UNIRinggit which is accessible through the UOB TMRW mobile app.

What documents should I prepare to apply for a UOB Preferred Card?

If you are a salaried employee, please prepare:

  • A copy of your IC (both sides)
  • Latest 3 months' salary slips OR the latest EPF statement
  • Latest 6 months' bank statements
  • Latest BE form with an official tax receipt

If you are self-employed, please prepare:

  • A copy of your IC (both sides)
  • A copy of Form 9, 24 & 49 OR Business Registration Certificate
  • Latest 6 months company bank statements
  • Latest B form with an official tax receipt

Credit Card » UOB

✕

Apply Now

Answer a few questions with our chatbot

PDPA

We protect your personal information in compliance with the PDPA

We respect your privacy and we are committed to handle your personal information safely and responsibly
✕
Search Icon

Header text goes here

Featurebox

Description text goes here