UOB World Card

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.

Balance Transfer

Feeling weighed down by credit card bills? With UOB Balance Transfer, new UOB credit card holders can enjoy 0% one-time upfront handling fees for 6 months and 1% for 12 months. Additionally, the UOB Balance Transfer Instalment offers fixed interest rates of 2.99% p.a. for new cardholders, with repayment tenures of 24 or 36 months. Enjoy these rates with a minimum transfer of RM1,000 or up to 80% of your credit/available limit, whichever is lower.

Easy Payment Plans

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

Fees & Charges

Annual Fee

• RM600 primary card

  Waived when you're a New To Bank customer for the first year (campaign ends 31 Dec 2025).

• 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RM20 or 5% of withdrawn amount, whichever is higher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

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