Get up to 5% cashback on Online, Dining and Contactless categories, plus enjoy other exclusive discounts all year long.

UOB YOLO Visa5% cashback on online, dining & contactless spends
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Spend on any Online, Dining and Contactless categories in a month to earn 5% cashback, capped at RM30 per month (combined). Meanwhile, the cashback earned from eWallet top-up transactions is capped at RM15 per customer. Cashback is also rewarded based on a first-come, first-served basis with only RM200,000 allocation every month.

Online Spend (Non E-Wallet)5%RM30from RM600 or above monthly
Online Spend (E-Wallet)5%RM15from RM600 or above monthly
Dining5%RM30from RM600 or above monthly
Contactless Spend5%RM30from RM600 or above monthly

Balance Transfer

Enjoy low-interest rates and flexible tenures of up to 18 months when you transfer a minimum of RM1,000 credit card outstanding balance to UOB YOLO Visa.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3%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

Easy Payment Plans

Convert your purchases made at participating merchants with UOB Instalment Payment Plan to enjoy interest-free instalments for up to 36 months. Also, enjoy 0% EPP on your overseas retail purchase with a minimum conversion amount 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 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
  • RM90 primary card

    Free for first year for principal cardholder

    Waived when RM7.50 monthly but will be waived when you make 1 retail transaction per month

    Free for first 2 years for supplementary cardholder

  • 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


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary 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 Overseas Easi-Payment Plan
Shop your heart out while travelling overseas and convert the payment to 3 monthly repayments at 0% interest.
Balance Transfer Plans
UOB Balance Transfer
Enjoy flexible repayments with UOB. With a minimum payment of 5% of the outstanding amount each month you call the shots as you pay off your debts.


Eat, Drink, Play and repeat with UOB YOLO Visa – a cashback credit card that every millennial should have in their pocket - because you only live once.

Highlights of UOB YOLO Visa
Highest cashback rate 5% cashback with min. spend of RM600 per month
Highest cashback amount RM30 per month (combined)
RM15 per customer (for E-Wallet reload)
Eligible spend to earn the highest cashback rate Online (E-Wallet reload included), Dining and Contactless purchases
Eligible Cardholder(s) Principal and Supplementary

Up to 5% Online, Dining, and Contactless Cashback

With UOB YOLO Visa, you will not be going to miss out on the latest transportation, online and food trends anymore.

You only need to make a minimum spend of RM600 per month on Online (E-Wallet reload included), Dining and Contactless categories combined to earn 5% cashback, capped at RM30 a month. Meanwhile, your E-Wallet reloads cashback is capped at RM15 per customer.

On top of that, the total cashback payout is on a first come first serve basis only because the payout limit is capped at RM200,000 every month. If you're lucky for the month, you will receive your cashback credited into your account by the last day of the following month.

Cashback Benefits
Category Cashback Condition
Online (E-Wallet reload included), Dining & Contactless Purchase 5%
  • Minimum spend of RM600 / month
  • RM30 monthly cap (combined)

UOB YOLO Visa Privileges

As if the awesome cashback feature isn’t enough, UOB YOLO Visa card offers more privileges to make your life sweeter.

From innovation, movies, dining, health and beauty, and retail to travel and lifestyle, UOB has got you covered!

UOB YOLO Visa Privileges

Quick read design

Quick Read Design
  • Smart design for online shoppers
  • Card numbers are stacked up 4-by-4, easier to read and key in

Travel and lifestyle

Travel and Lifestyle
Exclusive discounts and promotions for selected partners
  • The Grace Hotel Sydney
  • Hotel Capitol KL
  • Lexis
  • Dorsett
  • Encore Melaka
  • Kaodim
  • Pick N Paint Art Studi0
and many more...

Cafe & Dining

Cafe and Dining
Exclusive discounts and complimentary food or beverage
  • Coffee Stain
  • Grand Sari Ratu Prima
  • Zok Noodle House
  • Mandarin Palace
  • Du Viet Restaurant & Cafe
  • Neu Vegetarian Restaurant
  • Dunkin Donuts

and many more...


Exclusive discounts and complimentary products
  • The Rift
  • Ice Watch (online)
  • Pixajoy
  • Love.com.my

and many more...

Health & Beauty

Health and Beauty
Exclusive discounts and complementary treatments
  • Yves Rocher
  • Beauté Library
  • Belle by Medi Beaute
  • Mary Chia
  • Men’s Skin Centres
  • Svenson Hair Care
  • Vibes Spa
  • Cres Wellness

and many more...

Eligibility and Required Documents

Any individual with a minimum age of 21 years old (principal card) and 18 years old (supplementary card) can apply for UOB YOLO Visa.

Another eligibility criterion is you must be earning a minimum of RM3,000 per month.

To complete your UOB credit card application, remember to prepare the documents below:

Self-employed Salaried Employee Salaried Expatriate
Photocopy of MyKad (both sides) Photocopy of MyKad (both sides) Passport copy
Photocopy of Business Registration Form Latest EPF statement / 2 months salary slip Latest 2 months' salary slip
Latest Form B with a tax receipt Choose 1:
  • 3 months' bank statement
  • Latest EA Form
  • Latest BE Form with a tax receipt
Letter of employment
    Working permit with minimum validity of 1 year during the application
    Proof of home address, i.e. utility bill

Contactless Payment via Visa

UOB is giving you greater flexibility and convenience with your payment method with Visa Contactless.

All you need is a single Visa Checkout account to handle all your online purchases.

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

You can keep your UOB YOLO Visa's billing and shipping address intact and ensure peace of mind as your personal information is protected with industry-standard multi-layer security.

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