UOB VOX Visa credit card


UOB VOX Visa was made for Internet shopping - Get attractive cashback when you buy stuff online, or convert your big purchases with low interest EPP.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM72.00 annual fee
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Earn up to 10% SMART$ Rebate in addition to Cash Rebate when you spend at participating merchants under SMART$ Rebate Programme with UOB Vox Visa credit card. Get more rebates at UOB's exclusive SMART$ merchants such as GSC, Timberland, PARKROYAL Hotel Kuala Lumpur and My Diamond.
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. Or pay lower upfront interest of 2% when you convert your purchases to Easi-Payment Plan.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.99% one-time upfront handling feefrom RM500 
12 months3.99% one-time upfront handling feefrom RM500 
18 months4.99% one-time upfront handling feefrom RM500 
24 months5.99% one-time upfront handling feefrom RM2000 
36 months6.99% one-time upfront handling feefrom RM2000 
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

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when you swipe at least once a month
Annual Fee for 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
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RM20.00 or 5.00% of withdrawn amount, whichever is higher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
Contact-less Payment Methods
Visa payWave


Are you eligible for this credit card?

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


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.

UOB VOX Visa review

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

Up to 10% SMART$ Rebates

The SMART$ Programme is an fast and easy cash rebate programme eliglible for all UOB Credit Cards. Every one SMART$ point earned is equivalent to RM1. SMART$ is as good as cash.

Where to swipe your card to get your SMART$ points? Participating outlets include PARKROYAL, My Diamond, Timberland, GSC, and more! Look out for the UOB SMART$ logo at participating SMART$ outlets when you are out shopping at the mall.

Stretch Your Spending

Whenever you're browsing your favourite online stores, you might come across a thing or two which you can’t afford to pay for - but wouldn't you just love to click "Buy Now" right then and there!

With UOB Easi-Payment Plan you can pay for your online purchase, and contact UOB after to enrol into the plan. Pick a repayment tenure that works for you, whether it is 6, 12 or 18 months, and enjoy 0% interest on all your monthly payments. 

You’ll have to pay a small upfront fee of 2-4% depending on the repayment tenure that your choose.

More Ways to Save

The annual fees for your UOB Vox Visa are RM6 each month - that's RM72 a year. Sounds a bit much for you? 

Not to worry, you can waive it off instantly when you swipe your credit card every month - no biggie, just a swipe before your credit card bills are due each time.

Read More