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

UOB YOLO Visa8% online & dining cashback
Min. Income
Annual Fee
up to 10%
Balance Transfer
From 3.3% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Giordano 20’ Luggage Bag
worth RM249
when you apply through RinggitPlus3

Giordano 20’ Luggage Bag


Up to 8% cashback on Online and Dining. The best part? You can combine purchases made from the principal and supplementary cardholders.

Cashback categoryCashback rateMonthly capSpend
mininum 16 transactions for Online and Dining in a calendar month8%RM50any amount monthly
between 8-15 transactions for Online and Dining in a calendar month5%RM50any amount monthly
Grab rides, foods, deliveries (Weekend)10%RM20any amount monthly
Grab rides, foods, deliveries (Weekday)5%RM20any amount monthly


Enjoy GSC movie tickets at RM5 flat every Friday from now until 3 April 2020!

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 months3.3% p.a. and no one-time upfront handling feefrom RM1,000
12 months6% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plans

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!

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
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

Fees & Charges

Annual Fee
  • RM90 primary card

    Waived when ONE retail transaction is made per calendar month (RM7.50 per month)

  • 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
Visa payWave


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


Easy Payment Plan
UOB Overseas Easi-Payment Plan
Shop your heart out while travelling overseas and convert the payment to 3 monthly repayments at 0% interest.
UOB Instalment Payment Plan
UOB InStore is an online store where shopping can be charged to your credit card at 0% interest. Choose the monthly installment plan that suits your budget
Balance Transfer Plans
UOB Fixed-Pay Balance Transfer
With UOB Fixed-Pay Balance Transfer you pay the same installments every month for 6 or 12 months. Manage your mounting credit card debts now!


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 8% cashback with total monthly transactions of 16 and above
Highest cashback amount RM50 per month
Max spend to earn highest cashback amount RM625 per month
Eligible spend to earn highest cashback rate Dining and all retail purchases
Eligible Cardholder(s) Principal and Supplementary


 Up to 10% Dining, Grab and Online Cashback

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

You only need to make a minimum of 16 transactions in online and dining categories combined to earn 8% cashback, capped at RM50 a month.

But here's the catch. The total cashback payout is on a first come first serve basis only because the payout limit is capped at RM120,000 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.


UOB YOLO Visa Cashback
Category Cashback Condition
Dining & Online Purchase 5% or 8%
  • RM50 monthly cap
  • No minimum spend
  • Valid for 8-15 transactions (5%)
  • Valid for min.16 transactions (8%)
GrabRide, food, delivery Weekday 5%, Weekend 10% RM20 monthly cap

 *The GrabRide promotion is valid until 31 January 2020.


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 & beauty, retail to travel & lifestyle, UOB has got you covered!


UOB YOLO Visa Privileges

GSC Cinemas
  • RM5 movie ticket every Friday
  • Promo period: Up till 3 April 2020
  • Not valid for GSC Signature

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

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

and many more...

Health & Beauty
Exclusive discounts & 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 the minimum age of 21 years old (principal card) and 18 years old (supplementary card) can apply for UOB YOLO Visa.

Another eligibility criteria is you must be earning minimum RM3,000 per month.

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


Required Documents for UOB YOLO Visa Application
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 tax receipt Choose 1:
  • 3 months bank statement
  • Latest EA Form
  • Latest BE Form with tax receipt
Letter of employment
    Working permit with min. validity of 1 year during application
    Proof of home address, i.e. utility bill


UOB YOLO Visa - Contactless Payment via Visa

UOB is giving you greater flexibility and convenience to 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.