Best UOB Credit Cards in Malaysia 2026

There are plenty of United Overseas Bank (UOB) credit card benefits from UNIRinggit (rewards points) to cashback privileges, premium shopping and travel benefits, including outstanding lifestyle rewards through the UOB UNIRinggit Rewards Programme. Find a suitable UOB credit card that works for you and make an online application with us!

UOB Credit Card Campaign FAQs:

For a limited time, qualified applicants of eligible UOB credit cards will receive a free sign-up gift of either the following:

• RM200 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who have applied for UOB Visa Infinite Card, UOB PRVI Miles Elite Card, UOB World Card, UOB Lady’s Solitaire Card, and UOB Platinum Business Card)
• RM100 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who have applied for UOB Preferred Card, UOB Lady’s Card, UOB ONE Card, UOB EVOL Card, Lazada UOB Card, and UOB Simple Card)

The promotion runs from 4 February 2026 until 2 March 2026, subject to the campaign's terms and conditions.

How to be eligible for the gift?

For UOB Visa Infinite Card, UOB PRVI Miles Elite Card, UOB World Card, UOB Lady’s Solitaire Card, and UOB Platinum Business Card
Apply with RinggitPlus, get approved by the bank, activate the card, and make a minimum amount of RM400 in retail transactions (“Retail Spend”) within sixty (60) calendar days from the Credit Card approval date to be eligible.

For UOB Preferred Card, UOB Lady’s Card, UOB ONE Card, UOB EVOL Card, Lazada UOB Card, and UOB Simple Card
Apply with RinggitPlus, get approved by the bank, activate the card, and make a minimum amount of RM200 in retail transactions (“Retail Spend”) within sixty (60) calendar days from the Credit Card approval date to be eligible.

For more details, check out the terms and conditions.

Who is qualified for this promotion?

This campaign is open to new customers only. Existing primary cardholders and those who have cancelled their UOB credit card(s) within 12 months before the date of the flash deal application are not eligible.

Which credit card(s) can I apply for?

You can apply for:

• UOB Visa Infinite Card
• UOB PRVI Miles Elite Card
• UOB World Card
• UOB Lady’s Solitaire Card
• UOB Platinum Business Card
• UOB Preferred Card
• UOB Lady’s Card
• UOB ONE Card
• UOB EVOL Card
• Lazada UOB Card
• UOB Simple Card

Where can I reach out for more information?

For any questions, please get in touch with us via email at [email protected]. We're happy to help!

Features and Benefits of UOB credit cards

There are various types of UOB credit cards that you can choose from, such as travel credit cards, cashback credit cards, reward credit cards, and business credit cards. Let's dive into the examples below.

Cashback

With the UOB EVOL Card, you will not miss out on the latest lifestyle privileges anymore, as you'll get rewarded with cashback for spending on eligible categories such as Sustainable Merchants (selected ones), Online, Entertainment, and Contactless Parking, including E-Wallet transactions.

Other than that, the  UOB ONE Card also gives out an attractive cashback of up to 10% for every eligible spending category, such as Petrol, Groceries, Dining, and Grab.

UOB TMRW App

If you’re applying for a UOB credit card for the first time, UOB TMRW makes it easier, faster, and more convenient. This all-in-one digital banking app allows you to apply instantly, track your application in real-time, and manage your card seamlessly once approved. Designed with AI-powered insights, UOB TMRW helps you monitor spending, set savings goals, and enjoy exclusive cashback rewards on daily transactions.

UOB Balance Transfer

Transfer outstanding balances from other banks' credit cards to your UOB card at preferential rates.

• New cardholders: 0% one-time upfront fee (6 months), 1% one-time upfront fee (12 months)
• Existing cardholders: Terms vary, check current offers

Requirements:

• Minimum transfer: RM1,000
• Maximum: Up to 80% of available credit limit
• Cannot transfer balances between UOB cards

How it works:

1. Apply through UOB TMRW app, online banking, or call centre
2. Provide credit card details you want to pay off
3. UOB pays the other bank directly
4. You repay UOB over the chosen tenure

UOB Balance Transfer Instalment

Longer-tenure balance transfer with fixed monthly interest rather than upfront fees.

• New cardholders: Fixed 2.99% p.a. interest
• Existing cardholders: From 5.99% p.a. interest
• Tenure options: 24, 36, 48, and 60 months

Requirements:

• Minimum: RM1,000
• Maximum: Up to 80% of available credit limit
• Fixed monthly instalments

UOB 0% Instalment Payment Plan

Convert purchases into 0% interest instalments at participating merchants.

Features:

• 0% interest (merchant absorbs interest cost)
• Available at 4,000+ participating merchants
• Tenure varies by merchant (typically 6-24 months)
• Apply at the point of purchase

UOB Easi-Payment Plan

Convert any retail purchase on your credit card into monthly instalments after the fact.

Features:

• Upfront interest from 2.99%
• Applicable for transactions RM500 and above
• Tenure: Up to 60 months
• Apply within 30 days of purchase via the UOB TMRW app
• Can bundle multiple purchases into one plan

How it works:

1. Make purchases normally with your UOB credit card
2. Within 30 days, apply via the UOB TMRW app
3. Select transactions to convert
4. Choose tenure (affects interest rate)
5. Fixed monthly payments start next statement

UNIRinggit Rewards Programme

UNIRinggit (UNIRM) is UOB's proprietary rewards currency. Understanding how to earn, redeem, and maximize UNIRinggit points helps extract full value from UOB rewards cards.

How You Earn UNIRinggit Points

Earning rates vary significantly by card:

High earners:

• Visa Infinite: 10x overseas, 5x local
• PRVI Miles: 5x travel categories, 1x other

Standard earners:

• Most UOB cards: 1x point per RM1 retail spending

Excluded transactions:

• Government payments, JomPay, FPX transactions
• Balance transfers, cash advances
• Quick cash transactions
• Fees and charges

Points post to your account within 5-7 working days after transaction settlement. Check your balance through the UOB TMRW app or online banking.

Points Expiry

UNIRinggit points expire 3 years from the month they're awarded. Unlike some loyalty programmes that extend expiry with activity, UNIRinggit follows a rolling 3-year expiry regardless of ongoing card usage.

Example: Points earned in February 2026 expire in February 2029, regardless of whether you earn new points in the meantime.

Redemption Options

1. Air Miles Conversion

Convert UNIRinggit points to four airline programmes:

• Malaysia Airlines Enrich Miles
• Singapore Airlines KrisFlyer Miles
• AirAsia Points
• Asia Miles (Cathay Pacific)

Conversion rates vary by programme and may change periodically. Current rates are typically:

• Enrich Miles: Check current conversion ratio
• KrisFlyer Miles: Check current conversion ratio
• AirAsia Points: Check current conversion ratio
• Asia Miles: Check current conversion ratio

Conversions are one-way and irreversible. Once you convert UNIRinggit to airline miles, you cannot convert back.

2. Rewards Catalogue

UOB's UNIRinggit Rewards Catalogue offers diverse redemption options through the UOB TMRW app. The catalogue updates regularly with new items and seasonal offers.

Redemption options:

• Physical products: Electronics, home appliances, lifestyle items (delivered within 14 working days)
• Digital vouchers: AEON, Parkson, major retailers (delivered within 7 working days via email)
• Physical vouchers: Shopping and dining vouchers delivered by mail
• Air miles: Convert to Enrich, KrisFlyer, AirAsia, Asia Miles (posted within 5 working days)
• Annual fee offset: Use points to pay your card's annual fee
• Cashback credit: Convert points to statement credit (added December 2025, posted next statement)

How to redeem: Open UOB TMRW app → Navigate to "Rewards+" → Tap "Redeem UNIRinggit" → Browse catalogue → Select item → Choose card → Enter delivery address → Confirm and swipe to complete.

Pay with the UNIRinggit feature:

Offset past retail purchases made with your UOB card within 60 days of the transaction date. Minimum RM50 per transaction, up to 20 transactions per redemption. Partial or full redemption available. Excluded: instalments, cash advances, balance transfers.

Example: Spend RM500 at a restaurant using your UOB card. Within 60 days, redeem this transaction using UNIRinggit to offset the full amount or any portion.

Redemption rates (updated 15 January 2025):

Digital vouchers require fewer points than physical equivalents, and online redemption offers better rates than the contact centre:

• AEON RM100 digital voucher: 92,000 UNIRinggit (online)
• AEON RM100 physical voucher: 115,000 UNIRinggit (contact centre)

Check current rates in the UOB TMRW app before redeeming—rates vary by item.

Important limitations:

• All redemptions final (no changes, cancellations, or refunds)
• Catalogue inventory subject to availability
• Cashback credits apply to the outstanding balance, but don't offset the minimum payment due; you must still pay the minimum on time
• Points expire 3 years from the earning month, regardless of redemption activity

3. Statement Credit

Some cards allow converting points to statement credit to offset the card balance. Conversion rate is typically less favorable than air miles redemption.

Best UOB Credit Cards in Malaysia 2026

1. UOB ONE Card (Platinum)

Best for everyday spending

The ONE Platinum targets Malaysian families and professionals who spend consistently on daily essentials. You'll earn 10% cashback on four critical categories: petrol (any station including Setel), groceries (supermarkets and selected stores), dining (restaurants and food delivery), and Grab transactions (rides, food, mart, including GrabPay reloads).

Important note: UOB discontinued the ONE Classic card and no longer accepts new applications for it. Only ONE Platinum is available to new customers. Existing ONE Classic cardholders can continue using their cards under the old terms.

Key Features:

• 10% cashback on petrol, groceries, dining, Grab (RM15 cap per category)
• RM1,500 minimum monthly spend required
• Maximum RM60/month cashback total (all categories combined)
• 0.2% unlimited cashback on all other retail spending
• 0.2% cashback on the four categories if below RM1,500 minimum

Eligibility:

• Minimum income: RM36,000/year (RM3,000/month)
• Annual fee: RM195 principal, RM100 supplementary
• Annual fee waiver: Spend RM20,000 annually (effective 1 January 2026)
• Credit limit: Based on income assessment

2. UOB EVOL Card

Best for sustainable lifestyle spending

Previously known as UOB YOLO, the EVOL Card targets environmentally conscious younger professionals and millennials. You'll earn 8% cashback on sustainable merchants (selected eco-friendly businesses), online shopping, entertainment (cinemas, streaming services), contactless parking, and e-wallet transactions.

Key Features:

• 8% cashback on sustainable merchants, online, entertainment, parking, e-wallet
• RM500 minimum monthly spend
• RM50 total monthly cashback cap (all categories combined)
• 0.2% cashback if below RM500 minimum
• Annual fee waived with 1 transaction monthly

Eligibility:

• Minimum income: RM36,000/year (RM3,000/month)
• Annual fee: RM90 principal (waived with 1 retail transaction per month)
• Credit limit: Based on income assessment

3. UOB Visa Infinite Card

Best for premium travel

UOB's flagship travel card delivers the highest lounge access quantity among Malaysian credit cards. You'll receive 12 complimentary Plaza Premium Lounge visits annually across Asia Pacific airports, double what most competing Infinite cards offer. Every RM1 spent overseas in foreign currency earns 10x UNIRinggit points, whilst dining and other local transactions earn 5x points. 

Key Features:

• 12x Plaza Premium Lounge access annually (Asia Pacific)
• Exclusive UOB private lounge at KLIA1
• 12x complimentary limousine rides to KLIA/KLIA2 (requires RM5,000 spend in last 30 days)
• 10x UNIRinggit points per RM1 overseas spending
• 5x UNIRinggit points per RM1 dining and local spending
• RM500,000 travel insurance coverage
• 24/7 Visa Infinite concierge service

Eligibility:

• Minimum income: RM120,000/year (RM10,000/month)
• Annual fee: Waived with RM25,000 annual spend
• Credit limit: From RM45,000

4. UOB PRVI Miles Card

Best for air miles accumulation

Designed specifically for travellers who prefer air miles over cashback, PRVI Miles gives you 5x UNIRinggit points per RM1 spent on overseas transactions, airline tickets, hotel bookings, and travel agency purchases. Base local spending earns 1x points. Points expire three years from the month they're awarded, giving you ample time to accumulate substantial balances for major redemptions.

Key Features:

• 5x UNIRinggit points on overseas airlines, hotels, and travel agencies
• 1x UNIRinggit points on local retail spending
• Bonus 2,000 points monthly with 3+ retail transactions
• Convert to Enrich Miles, KrisFlyer Miles, AirAsia Points, Asia Miles
• Points valid 3 years from the month awarded

Eligibility:

• Minimum income: RM60,000/year (RM5,000/month)
• Annual fee: Waived with RM12,000 annual spend
• Credit limit: Based on income assessment

5. UOB Simple Card

Best for no annual fee

The Simple Card delivers exactly what its name promises: straightforward banking with zero annual fee for life and no spending requirements to maintain it. The earning structure is basic but effective: 10% cashback on e-wallet top-ups capped at RM10 monthly, plus 0.2% unlimited cashback on all other retail spending. The e-wallet category includes popular services like Touch 'n Go eWallet, Boost, and GrabPay reloads.

Key Features:

• RM0 annual fee for life (no conditions)
• 10% cashback on e-wallet top-ups (RM10 monthly cap)
• 0.2% unlimited cashback on all other retail spending
• No minimum income documents for existing UOB FD customers
• Simple, no-frills reward structure

Eligibility:

• Minimum income: RM24,000/year (RM2,000/month)
• Annual fee: Free for life (no spend requirement)
• Credit limit: From RM2,000

Eligibility Criteria

To apply for a UOB bank credit card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder will have to be at least 18 years old. 

Minimum income, on the other hand, differs from card to card.

*Please note that the minimum income requirement for expatriates might be different.

Required Documents to Apply

You can compare and apply for a UOB credit card at RinggitPlus. 

To speed up your UOB credit card application, it’s best to prepare the general documents required for a UOB credit card application, like the following.

Frequently Asked Questions (FAQs)

1. How do I increase my UOB credit card limit?

You can choose to have a Permanent Line Adjustment (PLA) by having a new credit limit to suit your living standards or a Temporary Line Adjustment (TLA), which offers a 30-day credit limit increase in the event of emergencies or last-minute purchase settlement.

Whether it is a permanent or temporary credit limit increase, you can apply by calling the UOB 24-hour Call Centre and faxing your three (3) latest income documents to 03-2690 0121.

2. What is the UOB credit card interest rate?

UOB uses a 3-tier system based on payment history: Tier 1 (15% p.a.) if you settle minimum payment on time for all 12 consecutive months, Tier 2 (17% p.a.) for 10-11 on-time payments, and Tier 3 (18% p.a.) for 9 or fewer on-time payments. Your rate can improve or worsen based on payment behavior over each 12-month period.

3. What are the minimum monthly repayments?

UOB credit card members are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher.

Monthly repayments will have to be made on the stipulated due date.

Failing to do so may result in a late payment charge of a minimum of 1% or RM10 of the total outstanding balance (excluding interests and fees), whichever is higher, and up to a maximum of RM100.

3. How much does it cost to get a UOB credit card replacement?

If your UOB credit card is lost, stolen, or damaged, you can get a replacement credit card for RM50 per card and RM500 per metal card.

You will generally receive your new card within 5 to 7 working days from the date of issuance.

4. What travel benefits can I get with a UOB Credit Card?

You can earn 10X UNIRinggit for every overseas transaction in foreign currencies with the UOB Visa Infinite Credit Card, which can be redeemed for air miles like Enrich Miles, KrisFlyer Miles, or Asia Miles.

Additionally, you’ll enjoy 12X complimentary access to Plaza Premium Lounges across Asia Pacific, including exclusive access to KLIA1's private lounge.

With complimentary travel insurance worth up to RM500,000, 12X limo services to KLIA/KLIA2, and discounts on luxury airport transfers and immigration fast track, your journey will be hassle-free.

Enjoy further perks such as double air miles redemption during your birthday month, luxury airport transfer discounts, and access to a range of exclusive services to make your trip even more convenient.

5. How long does it take to get approved for a UOB credit card via RinggitPlus?

The time it takes to get approved for a UOB Bank credit card through RinggitPlus depends on the bank’s processing time and the completeness of your application. Once you apply via RinggitPlus, you’ll receive a welcome email with instructions on how to finalise your application with UOB Bank.

To ensure there are no delays, make sure all required documents are submitted correctly. If you don’t find the email in your inbox, check your Promotions or Spam folder. After submission, the bank will review your application and contact you once the process is complete. If you need any assistance, don’t hesitate to reach out to us at [email protected].

By applying through RinggitPlus, you’ll get access to exclusive credit card sign-up gifts that you won’t find anywhere else. It’s a fast, easy, and rewarding way to apply — especially for first-time users looking for both convenience and perks.

6. What's the difference between ONE Platinum and EVOL Card?

ONE Platinum offers 10% cashback on petrol, groceries, dining, and Grab with RM1,500 minimum monthly spend and a RM15 cap per category (RM60 total maximum). EVOL Card provides 8% cashback on sustainable merchants, online, entertainment, and e-wallet with only a RM500 minimum spend and a RM50 total cap. EVOL is easier to qualify for monthly rewards, but has a lower rate and cap.

7. Do UNIRinggit points expire?

Yes. UNIRinggit points expire 3 years from the month they're awarded. This is a rolling expiry points earned in February 2026 that expire in February 2029, regardless of ongoing card activity. Unlike some programmes, UNIRinggit does not extend expiry with continued card usage. Set calendar reminders to use points before the 3-year mark.

8. Can I convert UNIRinggit to air miles?

Yes. Convert UNIRinggit points to four airline programmes: Malaysia Airlines Enrich Miles, Singapore Airlines KrisFlyer Miles, AirAsia Points, and Asia Miles (Cathay Pacific). Conversion rates vary by programme and change periodically; check current rates before converting. Conversions are one-way and irreversible.

9. How can I redeem my UOB UNIRinggit points, and what is the rewards catalogue like?

Redeem UNIRinggit through the UOB TMRW app under "Rewards+". The catalogue includes physical products (electronics, appliances, lifestyle items), digital and physical vouchers from major retailers like AEON and Parkson, air miles conversion to four airlines, annual fee offset, and cashback credits. You can also use "Pay with UNIRinggit" to offset past purchases within 60 days (minimum RM50 per transaction).

Processing takes 5 working days for air miles, 7 days for digital vouchers, and 14 days for physical items. Redemption rates increased on 15 January 2025; digital vouchers require fewer points than physical ones. For example, an AEON RM100 digital voucher needs 92,000 points online versus 115,000 points via the contact centre. All redemptions are final and cannot be cancelled. See the UNIRinggit Rewards Programme section above for complete details on earning, redeeming, and maximizing point value.

10. How much does UOB charge for cash advances?

UOB charges 0.37% per cash advance transaction (effective 1 January 2026), plus prevailing Service Tax. Interest accrues immediately from the transaction date at your card's interest rate (15-18% p.a., depending on payment tier). There is no grace period for cash advances; interest starts accumulating immediately.

Apply for a UOB Credit Card

UOB credit card applications can be made online! All you have to do is compare all the UOB credit cards and apply now.

Keep a lookout also for the latest UOB credit card promotion.