UOB YOLO Visa credit card


Take chances in life with UOB YOLO Visa. Get 8% cashback when you spend on online, dining and travel, apart from exclusive deals and discounts all year long.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 8% cashback
  • 7.77% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM90.00 annual fee

Apply online now for UOB YOLO Visa

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Because you should be rewarded for giving the bank your business

8% cashback is yours when you make 16 transactions in a month; whereas any amount below that gives you 5% cashback, both capped at RM50 per month. The best part is you can combine purchases made from principal and supplementary cardholders.
Discover how much you can save when you shop with your new UOB YOLO Visa
Cashback CategoryCashback RateMonthly CapSpend
on online, travel and dining transactionsSpendany amount monthly8%RM50any amount monthly
on online, travel and dining transactionsSpendany amount monthly5%RM50any amount monthly
Balance Transfer
Enjoy low interest rates and flexible tenures 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 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)
Convert your purchases made at participating merchants with UOB Instalment Payment Plan to enjoy interest-free instalment for up to 36 months. Also, enjoy 0% EPP on your overseas retail purchase with a minimum conversion amount of RM3,000!
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 you swipe 12 times per year for subsequent years
  • First 2 years free for Supplementary cardholder
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


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

8% Cashback

With UOB YOLO Visa, you will never miss out on the latest travel, food and fashion trends anymore as it affords you to own that with an effortless swipe. Usually, banks will only give cashback based on the minimum spending in a month, but not UOB YOLO Visa!

You only need to make a minimum of 16 transactions in online, dining and travel categories combined to easily earn 8% cashback in a month. If that does not convince you yet, get your supplementary cardholders to spend and combine those purchases to hit the mark. 

If you are a frugal spender, worry not as you are still entitled to receive 5% cashback for spending with UOB YOLO Visa in these categories. Whichever cashback tiers you earned, the maximum cashback amount you can earn is RM50 per month.

SMART$ Rebates

With the SMART$ Programme, you can offset your future payment with SMART Dollar. Designed to simulate the value of hard cash, every RM1 charged to your UOB Visa Infinite, you earn 1 SMART$ Rebate.

So, if you have 100 SMART Dollar, you can use that value to pay or top up your next purchase. Watch out for merchants with the SMART$ logo at their store front when you are out shopping because this privilege only applies to participating outlets.

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.

Flexible Instalment Plans

Malaysia may have the most shopping malls in the Asian region, if not the world, but this credit card doesn't limit your shopping appetite. In fact, when you make retail purchases overseas, you can enjoy a 0% easy payment plan for 3 months when you convert a minimum of RM3,000.

There are also merchant-approved Instalment Payment Plan that charges 0% interest for up to 36 months; and an Easi-Payment Plan that charges one-time upfront interest as low as 2% only!

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