UOB Preferred Platinum MasterCard

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

UOB Preferred Platinum MasterCardUp to 5X UNIRM Points to collect!
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
worth RM219
when you apply through RinggitPlus *


Our Previous Winners


Get rewarded with 5X UNIRinggit for dining, grocery & entertainment spends. Plus, 3X UNIRinggit with every spend on petrol purchases, and recurring payments all year long with UOB Preferred Platinum MasterCard.

UNIRinggit Reward Points
5 points on every RM1on dining, grocery, and entertainment spends
3 points on every RM1on petrol, and recurring transactions

Balance Transfer

Enjoy low interest rates and flexible tenures up to 18 months when you transfer a minimum of RM1,000 credit card outstanding balance to UOB Preferred Platinum MasterCard.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3%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
6 months0% p.a. and 2.68%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3.68%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 4.68%one-time upfront handling feefrom RM1,000
Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plans

Convert your purchases made at participating merchants with UOB Instalment Payment Plan to enjoy interest-free instalment for up to 36 months.

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 Overseas Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM3,000
Learn more about UOB Overseas Easi-Payment Plan

Fees & Charges

Annual Fee
  • RM198 primary card
  • 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
Contact-less Payment Methods
MasterCard PayPass


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


Easy Payment Plan
UOB Instalment Payment Plan
Shop your desired items with UOB 0% Instalment Payment Plan when you shop at any UOB 0% IPP merchant outlets!
UOB Overseas Easi-Payment Plan
Shop your heart out while travelling overseas and convert the payment to 3 monthly repayments at 0% interest.
Balance Transfer Plans
UOB Balance Transfer
Enjoy flexible repayments with UOB. With a minimum payment of 5% of the outstanding amount each month you call the shots as you pay off your debts.
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!


A preferred lifestyle begins with the right credit card. The UOB Preferred Platinum MasterCard is by-invitation-only credit card that is packed with benefits and privileges suitable for your lifestyle.

UNIRinggit Reward Points!

Get rewarded with UNIRinggit whenever you swipe your UOB Preferred Platinum MasterCard on eligible categories such as Petrol and Recurring Payments. For every RM1 spent on each category, you will earn 3x UNIRinggit respectively.

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

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

You can redeem UNIRinggit with a host of amazing gift vouchers, merchandise, air miles, and even pay off your annual fee from the UOB UNIRinggit Reward Program catalogue.

UOB Preferred Platinum MasterCard Flexible Instalment Plans

Malaysia may have the most shopping malls in the Asian region, if not the world, but this credit card doesn't limit your shopping appetite. 

In fact, when you make retail purchases overseas, you can also enjoy a 0% easy payment plan for 3 months when you convert a minimum of RM3,000.

In addition, you can also convert your children's tuition payment into a 12-month Education Instalment Plan at 0% interest.

The maximum UOB Preferred Platinum MasterCard transaction should not exceed RM20,000 for this plan.

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