UOB Visa Basic Card

A basic Visa credit card that fulfilled your needs and is packed with affordable and flexible credit lines, and a 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


Enjoy Fee Waiver on a 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 the UOB flexi payment plan to enjoy an interest rate from as low as 0% for up to 36 months. Enjoy 0% interest on a 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
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RM20 or 5% of withdrawn amount, whichever is higher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 primary card
Who can apply
  • Anybody


Easy Payment Plan
UOB Instalment Payment Plan
Shop your desired items with UOB 0% Instalment Payment Plan when you shop at any UOB 0% IPP merchant outlets!
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.
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, an affordable and flexible payment plan and a 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 RM30.

UOB Easi-Payment Plan

Keeping tabs on that dream item? Couldn't afford to pay it in a lump sum? No worries, you can get that dream item of yours instantly with UOB Easi-Payment Plan.

With this plan, you can easily convert your purchases into monthly instalments for as long as 36 months and enjoy an upfront interest as low as 2.99%.

Interestingly, you can even bundle up even more than one purchase with UOB Easi-Payment Plan.

It's easy, you just need to spend at least RM500 and apply for the EPP within sixty (60) days from the date of purchase.

0% Instalment Payment Plan

There is a slew of benefits to 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. 

The outlet category includes:

Telecommunication Education
Travel Agent Retail Fashion
Business Services Hotels
Department Stores Personal Care
Hypermarket Auto Services
Building & Renovation Insurance
Medical Other Retails
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