UOB Preferred Platinum MasterCard

Earn up to 3X UNIRinggit all year long for everyday spending - no minimum spend and no limitations. Plus up to RM30 off with GrabFood and Grab Rides.

UOB Preferred Platinum MasterCard3X UNIRinggit Everyday
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Enjoy 3X UNIRinggit with every Ringgit spend on overseas purchases, dining and recurring payments, all year long with UOB Preferred Platinum MasterCard.

UNIRinggit Reward Points
3 points on every RM1on overseas spend
3 points on every RM1on dining spend
3 points on every RM1on recurring payments
1 point on every RM1on any spend


Up to RM30 monthly savings on GrabFood and Grab rides.

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

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RM20 or 5% of withdrawn amount, whichever is higher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 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.

Save on GrabFood and Grab Rides with UOB Preferred Platinum MasterCard

Grab services make life easier, especially for UOB Preferred Platinum cardholders! Enjoy up to RM30 monthly saving on GrabFood and Grab Ride transactions.

Promo CodePromotion Details
GRABFOODPPRM5 off per GrabFood transaction
GRABRIDEPPRM5 off per Grab Ride transaction

Please note that the promotion is subject to 1,000 redemptions per promo code per month, on a first-come-first-served basis.

UNIRinggit Reward Points

Get rewarded with UNIRinggit whenever you swipe your UOB Preferred Platinum MasterCard on eligible categories such as Overseas, Dining and Recurring Payments. 

For every RM1 spent on each category, you will earn 3x UNIRinggit respectively.

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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