UOB VOX Visa

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)
RM76.32 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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Benefits

Because you should be rewarded for giving the bank your business

Rewards: 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 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

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM76.32

Waived when you swipe at least once a month

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RM21.20 or 5.30% of withdrawn amount, whichever is higher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%

Contact-less Payment Methods

Visa payWave

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

Requirements

Are you eligible for this credit card?

Minimum annual income: RM24000
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.

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.