UOB Preferred Platinum MasterCard

Earn up to 3X UNIRinggit all year long, no minimum spend required and no limitations. Plus 50% off Grab rides to and forth airports

3X UNIRinggit Everyday

UOB Preferred Platinum MasterCard
Min. Income
RM3,333.33/month
Annual Fee
RM198
Balance Transfer
From 3.3% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREEXiaomi 70 Mai Dash Camerawhen you apply through RinggitPlus3

Xiaomi 70 Mai Dash Camera

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

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
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

Rewards

Enjoy 3X UNIRinggit with every Ringgit spend on overseas purchases, all year long with UOB Preferred Platinum MasterCard. That's not all, spend on local retail and dining earn rewards too!

UNIRinggit Reward Points
EarnSpend
3 points on every RM1on overseas spend
2 points on every RM1on dining spend
1 point on every RM1on any spends

Features

Easy Payment Plan
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.
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
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!

Premium

Earn SMART$ rebate when swiping your UOB credit card at SMART$ merchants outlet via UOBM terminals. Use SMART$ rebate to offset your next purchase!

Travel

50% discount on your Grab rides to and from selected international airports in Malaysia!

Fees & Charges

Annual Fee
  • RM198 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
MasterCard PayPass

Requirements

Minimum Annual Income
RM40,000
Minimum Age
  • 21 years old  years old primary card
Who can apply
  • Anybody

Review

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 Overseas, Dining and Local Retail purchases. For every RM1 spent on each category, you earn 3X, 2X and 1X UNIRinggit respectively.

The best part about earning UNIRinggit is, there is no minimum spending required and and no limitations applied. You can redeem UNIRinggit with a host of amazing gift vouchers, merchandises, airmiles, and even pay off your annual fee from UOB UNIRinggit Reward Program catalogue.

SMART$ Rebates

The SMART$ Rebate Programme is a unique instant cash rebate program where you can pay any purchases made from selected merchants with SMART Dollar. It is as good as cash. 

Watch out for merchants bearing the SMART$ logo at their store fronts when you are out shopping because this privilege only applies to participating outlets. For every RM1 charged to your UOB Preferred Platinum MasterCard, you earn 1 SMART$ Rebate.

Half Off Grab rides To and Forth Airport

There are many options to ferry yourself to the airport out there. But when it comes to convenience and personalized service, Grab is definitely the first choice. With that in mind, UOB is offering 50% off to and forth airports when you pay using your UOB Preferred Platinum MasterCard.

This discount is on a first-come, first-served basis every month and each promo code is valid up to 4 redemption per customer throughout the year.

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.

There are also merchant-approved Instalment Payment Plan that charges 0% interest for up to 36 months; and an Easi-Payment Plan that charges one-time upfront interest as low as 2% only!

In addition, you can also convert your children's tuition payment into a 12-month Education Instalment Plan at 0% interest. The maximum transaction should not exceed RM20,000 for this plan.