UOB Visa Basic Card

A basic visa credit card that fulfilled your needs and is packed with affordable and flexible credit lines, and fee waiver every month upon transaction.

UOB Visa Basic CardFee Waiver
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Giordano 20’ Luggage Bag
worth RM249
when you apply through RinggitPlus3

Giordano 20’ Luggage Bag


Enjoy Fee Waiver on monthly fee of RM6 for every retail transaction made in a statement month. No minimum spend is required!

Easy Payment Plans

Convert your purchases made at merchants with UOB flexi payment plan to enjoy interest rate from as low as 0% for up to 36 months. Enjoy 0% interest on 3-month Overseas Easi-Payment Plan with a minimum conversion of RM3,000

UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about UOB Instalment Payment Plan
UOB Overseas Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM3,000
Learn more about UOB Overseas Easi-Payment Plan

Fees & Charges

Annual Fee
  • RM72 primary card

    Waived when you made 1 retail transaction every month

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa Contactless


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
Who can apply
  • Anybody


Easy Payment Plan
UOB Instalment Payment Plan
UOB InStore is an online store where shopping can be charged to your credit card at 0% interest. Choose the monthly installment plan that suits your budget
UOB Overseas Easi-Payment Plan
Shop your heart out while travelling overseas and convert the payment to 3 monthly repayments at 0% interest.


Go back to basics with UOB Basic Visa Card that is packed with cash rebates, affordable and flexible payment plan and monthly fee waiver upon transaction.

Annual Fee Waiver

UOB Basic Visa Card has a monthly fee of RM6.00, which can be waived when you make one retail transaction (no minimum amount) in a statement month. 

Bear in mind that the Sales & Service Tax of RM25 will be charged upon the anniversary date of your credit card. 

For supplementary cardholders, the annual fee is at RM30.

0% Instalment Payment Plan

There is a slew of benefits in a credit card when you use it efficiently. 

After all, it is made to extend your credit when you require it, whether to pay for your personal needs or daily expenses. 

UOB Basic Visa Card offers you UOB 0% Instalment Payment Plan (IPP) - where you pay for your purchases over 36 months with 0% interest, when you shop at any UOB 0% IPP participating merchant outlets. 

Outlet category includes:

Travel AgentRetail Fashion
Business ServicesHotels
Department StoresPersonal Care
HypermarketAuto Services
Building & RenovationInsurance
MedicalOther Retails