UOB YOLO Visa credit card


Take chances in life and live it to the fullest with the UOB YOLO card that gives you exclusive deals, cashbacks, rewards and so much more.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 6% cashback
  • 7.77% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM95.40 annual fee

Apply online now for UOB YOLO Visa

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for UOB YOLO Visa

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to UOB website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Dine at your favorite restaurants or indulge yourself with some online retail therapy and earn cashbacks all day everyday.
Discover how much you can save when you shop with your new UOB YOLO Visa
Cashback CategoryCashback RateMonthly CapSpend
Online ShoppingSpendany amount monthly6%uncappedany amount monthly
DiningSpendany amount monthly3%uncappedany amount monthly
Balance Transfer
If you've got some credit card debt, consolidate it with the UOB Balance Transfer and say goodbye to super high interest rates.
Pay OverWith Interest Rate AtWhen You Transfer
6 months7.77% p.a. and no one-time upfront handling feefrom RM1000 
12 months7.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Balance Transfer
Easy Payment Plan (EPP)
Shop smart and use the UOB Easi Payment Plan. Any purchases worth RM500 or more can be converted into a 6-month, 12-month, or 18-month installments from as low as 2% of interest! Otherwise, convert your purchases at participating merchants to UOB Instalment Payment Plan at 0% interest instalment.
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months3% one-time upfront handling feefrom RM500 
18 months4% one-time upfront handling feefrom RM500 
Learn more about UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
18 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Instalment Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when waived when you swipe once a month. Subject to approval.
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
UOB Easi-Payment Plan
UOB Instalment Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
UOB Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

UOB YOLO Visa review

What's so good (or not so good) about it?

Eat. Drink. Play. Repeat. with UOB YOLO Visa – a card that stays true to its belief. Because you only live once (hence the acronyms), UOB invites you to make the best out of your lifestyle.

Dining and Shopping Cashback

Whether you are a shopaholic or an avid food hunter, your lifestyle could earn you up to RM600 cashback per year.

When you shop at your favorite e-commerce site, just remember to key in the 16-digit UOB YOLO Visa card numbers during the checkout and payment, you could be earning 6% cash rebate on every transaction. For dining, a 3% cashback is applied.

You can combine the best of both worlds to maximize on the cash rebate. For example, if you spend more than RM800 in a month inclusive on dining and online spending, RM50 cashback is already yours.

SMART$ Rebates

It is a unique program for UOB cardholders that enable them to get rebate up to 10% when they spend at the program’s participating outlets. The mechanic to earn instant cash is simple: just look for shop with SMART$ logo and swipe your UOB YOLO Visa to start earning rebates.

To find the updated list of participating SMART$ merchants, you can log on to UOB website.

Visa PayWave

UOB is giving your greater flexibility and convenience to your payment method with Visa PayWave. All you need is a single Visa Checkout account to handle all your online purchases.

With just a single login to you Visa Checkout account, you can make the purchase directly without having to leave the merchant’s website.

You can keep your billing and shipping address intact and ensure peace of mind as your personal information are protected with industry standard multi-layer security.

Who can apply?

This credit card is ideal for millennials who has attained 21 years old with a minimum annual income of RM36,000.

Once the bank approved your application, you can start swiping away and need not worry about annual fee as it is waived for you (and your supplementary cardholders) for the first year.

Read More