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
  • up to 5% cashback
  • 7.77% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM76.32 annual fee

Apply online now for UOB VOX Visa

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Because you should be rewarded for giving the bank your business

Earn up to 0.3% cashback on all retail purchases and 5% cashback on all online purchases except for petrol, insurance, government and utility bill payments. Even more cash rebates with UOB SMART$ Programme with up to 10% cashback.
Discover how much you can save when you shop with your new UOB VOX Visa
Cashback CategoryCashback RateMonthly CapSpend
Online SpendSpendfrom RM50 and above in a single receipt5%RM50from RM50 and above in a single receipt
Other RetailSpendany amount monthly0.3%uncappedany amount monthly
Balance Transfer
Save on your outstanding credit card balance. UOB offers interest rates as low as 7.77% for Balance Transfer or 3.3% for Fixed-Pay Balance Transfer. Two great plans to choose from!
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)
Convert your purchases with UOB Easi-Payment Plan. Any purchases worth RM500 or more can be converted into a 6-month, 12-month, or 18-month installments with one-time interest payment of only 2%. Pay 0% instalment of UOB Instalment Payment Plan on purchases at participating merchants.
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
You can enjoy 1% SMART$ rebate at all BHPetrol stations for maximum monthly transactions of RM400.

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
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
Contact-less Payment Methods

*inclusive of 6% GST


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.
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 VOX Visa review

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

You’ll like the sound of this vox. Attractive cashback rebates awaits the avid online shopper with UOB Vox Visa! This e-shopping friendly card also comes with Visa payWave to make your day to day transactions even quicker!

5% Cashback

Regular ol’ shopping can be time consuming with zerocash rebates or reward points to speak of. With your UOB Vox Visa you’ll get great cashback rates of 5% on all online retail shopping. Buy anything that you want online to max out your cashback of RM50 each month.

Prefer to shop online in your jammies? No problem - there's no cashback cap on non-online retail purchases, but you’ll have to blow up your budget beyond RM16k a month to even get close to a RM50 cashback. However when we say online retail shopping we don’t mean bill payments or insurance premiums.

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 Victoria's Secret, Micheal Kors, Timberland, BHPetrol, 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.

Low Interest Balance transfer

Everyone has different financial habits. So when it comes to repaying credit debt, UOB offers customers two different balance transfer programmes to suit their needs. 

If you’re not sure about your cash flow you can sign up for UOB Balance Transfer Programme. Choose between tenures of 6, 12 and 18 months for interest rates below 8%, and sort out what you owe with minimum monthly repayments or huge lump sum payments.

Perhaps you’d like to see you debts over and done with. In this case you’ll want UOB Fixed-Pay Balance Transfer. For 6 and 12 month tenures you’ll get special low interest rates of 3.3% and 6% respectively, so long as you meet your monthly repayments in full each time.

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