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
RM2,000/month
Annual Fee
Free*
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Xiaomi Redmi Redmi AirDots
worth RM200
when you apply through RinggitPlus3

Xiaomi Redmi Redmi AirDots

Premium

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 Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months2.99% one-time upfront handling feeRM500
12 months3.99% one-time upfront handling feeRM500
18 months4.99% one-time upfront handling feeRM500
24 months5.99% one-time upfront handling feeRM2,000
36 months6.99% one-time upfront handling feeRM2,000
Learn more about UOB 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 approval 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RM20 or 5% of withdrawn amount, whichever is higher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
18%
Contact-less Payment Methods
Visa Contactless

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
Who can apply
  • Anybody

Features

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 Easi-Payment Plan
Longing for a brand new item this year? Spend with UOB credit card and convert minimum purchase of RM500 into an affordable monthly instalment plan.

Review

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:

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