UOB World Card

12X UNIRM on selected e-commerce spending and e-wallet top-ups, 5X UNIRM on selected departmental stores and overseas spending, complimentary access to Plaza Premium Lounge and personal accident coverage.

UOB World CardBonus 125,000 UNIRM when you spend RM48,000 yearly
Min. Income
RM5,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Apple iMac M4
worth RM5799
when you apply through RinggitPlus *

Apple iMac M4

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Rewards

Get 12X UNIRinggit (UNIRM) when you spend on selected e-commerce and reload selected e-wallets. Spending on participating departmental stores and supermarkets/hypermarkets, as well as overseas earns you 5X UNIRM. Meanwhile, spending on other local transactions gets you 1x UNIRM. If you manage to spend RM48,000 and above per year, you'll be rewarded with 125,000 UNIRM as a bonus! Collect as many UNIRM as you can and redeem them with items from the UNIRinggit Rewards catalogue or even offset selected purchases by paying with UNIRM which is accessible through the UOB TMRW mobile app.

UOB UNIRinggit
EarnSpend
12 points on every RM1on selected e-commerce spend (iTunes) and e-wallet top-ups (Boost, Touch 'n Go and BigPay)
5 points on every RM1on selected departmental stores and supermarkets/hypermarkets
5 points on every RM1on overseas transactions
1 point on every RM1on local transactions

Travel

Enjoy 6X complimentary access per calendar year to Plaza Premium Lounge at KLIA1 (also with exclusive access to the private lounge) or KLIA2. Only 1 admission is allowed per day, subject to availability at the lounge. Simply present your UOB World Card and a valid boarding pass to access! Additionally, travel with peace of mind knowing that you will be covered with complimentary overseas personal accident coverage worth up to RM300,000 which includes purchase protection. Terms apply to both privileges!

Travel CoverageSum Insured
Personal AccidentUp to RM300,000

Balance Transfer

Are credit card bills hanging heavy over your shoulder? Enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit card holders, respectively, via UOB Balance Transfer. The UOB Balance Transfer Instalment also offers a fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest over 12, 24, 36, 48 and 60 months. These offers are valid until 31 December 2024 with a minimum transfer of RM1,000 or up to 80% of the credit limit/available limit, whichever is lower.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 1%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
12 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
48 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
60 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer Instalment

Easy Payment Plans

Convert your purchases made at participating merchants with UOB easy payment plans and enjoy low-interest rates and longer repayment tenures.

UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months2.99% one-time upfront handling feeRM500
6 months2.99% one-time upfront handling feeRM500
12 months8.15% p.a.and no one-time upfront handling feeRM500
24 months8.15% p.a.and no one-time upfront handling feeRM500
36 months8.15% p.a.and no one-time upfront handling feeRM500
48 months8.15% p.a.and no one-time upfront handling feeRM500
60 months8.15% p.a.and no one-time upfront handling feeRM500
Learn more about UOB Easi-Payment Plan
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM600 primary card

    Waived when eligible cardmembers whose application is submitted during the Campaign Period and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver

  • RM150 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
18%

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan
Longing for a brand-new item this year? Spend with a UOB credit card and convert a minimum purchase of RM500 into an affordable monthly instalment plan.
UOB Instalment Payment Plan
Shop your desired items from gadgets to retail fashion and others with a UOB 0% Instalment Payment Plan at any participating merchant outlets!
Balance Transfer Plans
UOB Balance Transfer
Get flexible repayments with UOB and enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit cardholders, respectively, valid until 31 December 2024.
UOB Balance Transfer Instalment
With the UOB Balance Transfer Instalment, you pay the same instalments every month for up to 60 months. Manage your mounting credit card debts now and enjoy fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest.

Review

Rewards, privilege and exclusivity are in the eye of the beholder when you have the UOB World Card at your disposal.

Collect UNIRinggit for selected spending

When you sign up for this UOB World Card, you will be rewarded in kind. For every RM1 spent on selected e-commerce transactions such as iTunes, or top-up your favourite e-wallets such as Boost, Touch ‘n Go and BigPay, you will receive 12X UNIRinggit.

Test out the card with a massive shopping spree and see how rewarding it is. Better yet, go on a trip overseas and take it with you. Now for every RM1 spent overseas, you will earn 5X UNIRinggit. If you spend more than RM24,000 annually, you get 1X UNIRM per RM1 spent.

Even if you’re not going overseas there are plenty of opportunities for you to earn UNIRinggit, right here in Malaysia. You can earn 1X UNIRinggit for every RM1 spent.

Meanwhile, get 5X UNIRinggit for every RM1 when you stock up on everyday staples at selected departmental stores and supermarkets/hypermarkets. The more UNIRinggit collected means that you can go crazy with the UNIRinggit Rewards Catalogue and get everything from accessories and home appliances.

On top of that, if you manage to hit RM48,000 worth of spending in a year (or more than that!), you will get 125,000 UNIRinggit as a bonus!

Unbeatable travel perks

Rewards aside, this credit card offers you a whole lot more. If you are travelling overseas, be sure to charge all your expenses and flights to the UOB World Card and get automatic overseas personal accident coverage for you and your supplementary cardholders of up to RM300,000. This coverage also includes purchase protection. Check out the policy here.

Plus, enjoy VIP treatment with 6X complimentary access per calendar year to participating Plaza Premium Lounge in KLIA1 (with exclusive access to the private lounge) and KLIA2 for that extra bit of pampering before you get on a plane. Just present your UOB World Card and a valid boarding pass and you’re good to access the lounge. However, note that you’re only entitled to 1 admission per day, subject to availability at the said lounge.

The world of privilege with UOB World Card

If the card didn’t do enough already, then let’s add on the status of World Mastercard. As the name persists, this card allows you access to the most luxurious hotels worldwide, exquisite dining experiences and travel destinations to die for.

The World Mastercard gives you 24/7 World Mastercard Concierge services for any queries that you might have from anywhere in the world. Also, you have a credit card that is accepted worldwide.

Annual fee and eligibility criteria of a UOB World Card

The UOB World Card does as its name implies and has outstanding rewards. For a small annual fee of RM600 for the principal card, you too can enjoy its perks. Meanwhile, the supplementary card is subject to an annual fee of RM150.

Note: In addition, eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver. Check our page to find out more about the flash deal.

You must also have an annual income of RM60,000 or RM5,000 per month and be aged 21 years old or above to enter the World Card universe.

Required documents to apply for a UOB World Card

Before you hit the Apply Now button above, please prepare the following documents.

For Malaysians who are salaried employees:

  • Copy of your IC (front and back)
  • Latest 3 months' salary slip

And any of the following documents:

  • Latest Form B/BE (supported with tax payment receipt)
  • Latest EPF statement
  • Latest 3 months' bank statements
  • Latest BE Form with a tax receipt

For Malaysians who are self-employed:

  • Copy of your IC (front and back)
  • Photocopy of Business Registration Form
  • Latest BE Form with a tax receipt
  • Latest 6 months' bank statement (showing business turnover)

For foreigners who are salaried employees:

  • Copy of Passport and
  • Latest 2 months' salary slip
  • Work permit valid for at least one (1) year at the time of application and
  • Letter of employment
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