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

15% p.a. interest rate
20 days interest-free period
0% p.a. balance transfer over 18 months
Easy Payment Plan (EPP)
RM198.00 annual fee
Earn up to 3x reward points

Benefits
Fees & Charges
Requirements
Features
Review
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View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

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
Earn	Spent
3 points on every RM1	on overseas spend
2 points on every RM1	on dining spend
1 point on every RM1	on any spends

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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 3% one-time upfront handling fee	from RM1000
12 months	0% p.a. and 4% one-time upfront handling fee	from RM1000
18 months	0% p.a. and 5% 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)

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

Pay Over	With Interest Rate At	When You Spend
6 months	2.99% one-time upfront handling fee	from RM500
12 months	3.99% one-time upfront handling fee	from RM500
18 months	4.99% one-time upfront handling fee	from RM500
24 months	5.99% one-time upfront handling fee	from RM2000
36 months	6.99% one-time upfront handling fee	from RM2000

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

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!

Fees & Charges

There are always fees but how much are they?

Annual Fee: RM198.00
Annual Fee for Supplementary Card: RM30.00
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
Late payment fee: RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee: RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals: 18%
Contact-less Payment Methods: MasterCard PayPass

Requirements

Are you eligible for this credit card?

Minimum annual income: RM40000
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?

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.