UOB Preferred Platinum MasterCard

Pay for your shopping for cheap with high SMART$ Rebates of up to 10%. Earn 2x rewards points on all your online and overseas spending.

15% p.a. interest rate
20 days interest-free period
up to 10% cashback
7.77% p.a. balance transfer over 6 months
Easy Payment Plan (EPP)
RM209.88 annual fee
Earn up to 5x reward points

Benefits
Fees & Charges
Requirements
Features
Review
Apply Now

Apply online now for UOB Preferred Platinum MasterCard

RinggitPlus will help you every step of the way.

My income is greater than RM48000 a year. That's at least RM4000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback

Enjoy up to 10% SMART$ Rebates from selected merchants - dining, gadgets, jewellery, clothes, health and petrol are all included!

Discover how much you can save when you shop with your new UOB Preferred Platinum MasterCard
Cashback Category		Cashback Rate	Monthly Cap	Spend
Dining, Shopping, Health, Petrol and More	Spendany amount	10%	uncapped	any amount

Rewards

Earn 3x UNIRinggit whenever you spend online or overseas with a cap of RM1000 purchase amount. Spend here in Malaysia from now until the 31st of March and get 5x UNIRinggit for every RM1.

UNIRinggit Rewards Programme
Earn	Spent
5 points on every RM1	on all Shopping and Dining
3 points on every RM1	on Overseas Spend

Your UNIRinggit Rewards Programme earned expires in 3 months

Balance Transfer

Enjoy lower interest rate as low as 3.3% p.a. for your credit card outstanding balance. Minimum transfer amount is RM1000.

Pay Over	With Interest Rate At	When You Transfer
6 months	7.77% p.a. and no one-time upfront handling fee	from RM1000
12 months	7.88% p.a. and no one-time upfront handling fee	from RM1000
18 months	7.99% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 months	3.3% p.a. and no one-time upfront handling fee	from RM1000
12 months	6% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plan (EPP)

Zero interest for instalment up to 36 months when you shop at any of UOB Instalment Payment Plan (IPP) merchants whether its a travel agent, hotel, fashion, auto services, or even insurance! One time upfront interest as low as 2% p.a. for all the other purchases.

Pay Over	With Interest Rate At	When You Spend
6 months	2% one-time upfront handling fee	from RM500
12 months	3% one-time upfront handling fee	from RM500
18 months	4% one-time upfront handling fee	from RM500

Learn more about UOB Easi-Payment Plan

Pay Over	With Interest Rate At	When You Spend
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
18 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000
36 months	0% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Instalment Payment Plan

Travel: Skip the busy airport hallways with complimentary access to Plaza Premium Lounge. Just spend at least RM500 per month in the last 3 months for existing customers or within 60 days upon card approval for new cardholders.

Fees & Charges

There are always fees but how much are they?

Annual Fee: RM209.88
Annual Fee for Supplementary Card: RM31.80
Minimum monthly payment: RM50 or 5% of outstanding amount
Late payment fee: RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee: 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals: 18%

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income: RM48000
Minimum age for primary card holder: 21 years old
Who can Apply: Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan: UOB Easi-Payment Plan; UOB Instalment Payment Plan; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Balance Transfer: UOB Balance Transfer; UOB Fixed-Pay Balance Transfer; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

UOB Preferred Platinum MasterCard review

What's so good (or not so good) about it?

Looking for more savings? That’s the trouble when you pit reward cards against cashback cards – you never know which one is the better deal! Consider the argument settled when you get your hands on the UOB Preferred Platinum MasterCard - you’ll get both Reward Points and Cash Back for double the savings!

SMART$ Savings

It doesn’t matter if you’re swiping for clothes, gadgets, jewellery, dining, or petrol. With your UOB Preferred Platinum card you’ll get SMART$ rebates whenever you swipe at participating merchants.

Where you ask? Earn as much as 10% cashback at select outlets such as Timberland, Victoria's Secret, Sakae Sushi, and GSC cinemas. Your SMART$ rebates can be redeemed on your next purchase. Take one Ringgit off for each SMART$ point that you use!

Rewards For You

There are lots of gifts to be redeemed with UOB’s UNIRinggit Rewards Programme. Just swipe on purchases with your UOB Preferred Platinum card to earn points and use them to redeem from a long list of exciting gifts before they expire!

Get up to 5x UNIRinggit when you spend locally for everything from shopping to dining. Go overseas and get 3x UNIRinggit on all your overseas spending too.

More Ways To Spend

To ease the load on your credit card bill at the end of each month, you'll so be able to apply for the UOB Easi-Payment Plan. This easy payment plan ( EPP) allows you to split the cost of an item over 6, 12 or 18 months.

All you need to do is contact UOB after you’ve made a purchase, pick a payment plan, and pay an upfront service fee of as low as 2 to 4%.

Ease At Travel

Not a fan of busy airport terminals? Exclusive complimentary passes to Plaza Premium Lounges are also available when you charge at least RM500 for 3 consecutive months to your UOB Preferred Platinum MasterCard.

How's that different that sitting at one of the terminal's many Startbucks outlets? Let us count the ways:

You'll be served with a range of freshly prepared food and drinks, including free-flow draught beer!
Get your scrubbing on with proper shower amenities (only at selected Plaza Premium Lounges).
Need to Skype with mum before take-off? Enjoy free high-speed Internet access.
Reading materials, TV and movies in a comfortable setting.