UOB Preferred Platinum Visa credit card

Also available as MasterCard

UOB Preferred Platinum Visa

Get Platinum benefits without limit: cashback rewards, splendid shopping, travel perks and exquisite dining privileges are all yours for the taking.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 7.77% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM209.88 annual fee
  • Earn up to 2x reward points 

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Enjoy up to 10% SMART$ Rebates from participating outlets - dining, gadgets, jewellery, clothes, health or petrol are all included! What's more - you can enjoy 5% cahsback on weekend dining and groceries which is capped at RM40 per month.
Discover how much you can save when you shop with your new UOB Preferred Platinum Visa
Cashback CategoryCashback RateMonthly CapSpend
Dining and GroceriesSpendfrom RM300 and above monthly on weekends only5%RM40from RM300 and above monthly on weekends only
Rewards
Get UniRinggit Rewards every time you charge purchases to your card. Every 1 Ringgit you spend will earn you 2X UniRinggit Reward Point for online and overseas spending.
UOB UniRinggit Rewards
EarnSpent
2 points on every RM1on all spending online and at overseas
Your UOB UniRinggit Rewards earned expires in  3 years
Balance Transfer
UOB Balance Transfer offer interest rates from 3.3% with a 6-month payment plan. No interest fees to bother your monthly budget ever again!
Pay OverWith Interest Rate AtWhen You Transfer
6 months7.77% p.a. and no one-time upfront handling feefrom RM1000 
12 months7.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
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 RM1000 
12 months6% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Fixed-Pay Balance Transfer
Easy Payment Plan (EPP)
Tired of window shopping? Enjoy 0% instalment interest for up to 36 months at UOB Instalment Payment Plan (IPP) merchants. For all the other purchases, the upfront instalment rate can be as low as 2%.
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months3% one-time upfront handling feefrom RM500 
18 months4% one-time upfront handling feefrom RM500 
Learn more about UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
18 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Instalment Payment Plan
Travel
Free exclusive access to Plaza Premium Lounge to escape from the hustle and bustle of the departure lounge. Travel once a month for holiday or business? This card is perfect for you!
Premium
Enjoy 12x complimentary Plaza Premium Lounge access in a year by spending a minimum of RM500 per month within previous 3 months or 60 days of approval date for new card holders.

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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

*inclusive of 6% GST

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 Visa review

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

Shape the way you save. Both Reward points and cash back are up for grabs with the UOB Preferred Platinum Visa. It doesn’t matter if you’re a shopper, foodie, or avid traveller – because you’ll get savings and privileges regardless of your preferred way to spend!

Get Reward Points All Year

Collect 2x UniRinggit Reward Points whenever you swipe with the UOB Preferred Platinum credit card. That’s double the points, making it easier and quicker for you to redeem the free gifts offered by UOB’s rewards programme. 

And stay swipe-happy! You’ll always enjoy 2x reward points whether you’re shopping online or overseas. Just remember to redeem your points before they expire in 3 years after they’ve been issued. 

SMART$ Cash Back

It’s always merrier with more savings! That’s what you’ll get when you swipe at UOB approved outlets – remember to look out for the UOB SMART$ logo at outlets such as Victoria's Secret, Charles & Keith, Sakae Sushi, Timberland, Pedro, and many more.

You’ll earn up to 10% SMART$ rebates when you swipe with your UOB Preferred Platinum Visa. To redeem your SMART$ rebates, just visit another participating UOB outlet and get a discount equal the SMART$ points that you redeem, that’s RM1 for every SMART$ point!

Plaza Premium Lounge Access

Travel the preferred way. For new cardholders, you’ll get your first complimentary access to Plaza Premium Lounges in the 3rd month after you’ve swiped at least RM500 for both the first and second month. 

To enjoy back-to-back Plaza Premium Lounge Access, make sure you swipe RM500 for 3 consecutive months each time. You’ll be given 12 complimentary passes, but you can only use one per month. 

UOB Credit Card Services

Too much credit debt on your hands? Find out how much you can save with UOB Fixed-Pay Balance Transfer. For 6-month tenures, you’ll only have to pay a one-time interest fee of 3.3% which will be divided equally over that period along with your monthly repayments. 

UOB Easi-Payment Plan gives you more spending flexibility when you can’t afford your purchases. Swipe first with your Preferred Platinum Visa, then contact UOB immediately and pick a repayment plan for the item that you bought. 

You can choose between tenure of 6, 12 or 18 months with upfront handling fees of as low as 2% for the 6 month plan.

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