Best UOB Credit Cards in Malaysia 2026

There are plenty of United Overseas Bank (UOB) credit card benefits from UNIRinggit (rewards points) to cashback privileges, premium shopping and travel benefits, including outstanding lifestyle rewards through the UOB UNIRinggit Rewards Programme. Find a suitable UOB credit card that works for you and make an online application with us!

UOB Credit Card Campaign FAQs:

For a limited time, qualified applicants of eligible UOB credit cards will receive a free sign-up gift of either the following:

• RM200 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who have applied for UOB Visa Infinite Card, UOB PRVI Miles Elite Card, UOB World Card, UOB Lady’s Solitaire Card, and UOB Platinum Business Card)
• RM100 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who have applied for UOB Preferred Card, UOB Lady’s Card, UOB ONE Card, UOB EVOL Card, Lazada UOB Card, and UOB Simple Card)

The promotion runs from 4 February 2026 until 2 March 2026, subject to the campaign's terms and conditions.

How to be eligible for the gift?

For UOB Visa Infinite Card, UOB PRVI Miles Elite Card, UOB World Card, UOB Lady’s Solitaire Card, and UOB Platinum Business Card
Apply with RinggitPlus, get approved by the bank, activate the card, and make a minimum amount of RM400 in retail transactions (“Retail Spend”) within sixty (60) calendar days from the Credit Card approval date to be eligible.

For UOB Preferred Card, UOB Lady’s Card, UOB ONE Card, UOB EVOL Card, Lazada UOB Card, and UOB Simple Card
Apply with RinggitPlus, get approved by the bank, activate the card, and make a minimum amount of RM200 in retail transactions (“Retail Spend”) within sixty (60) calendar days from the Credit Card approval date to be eligible.

For more details, check out the terms and conditions.

Who is qualified for this promotion?

This campaign is open to new customers only. Existing primary cardholders and those who have cancelled their UOB credit card(s) within 12 months before the date of the flash deal application are not eligible.

Which credit card(s) can I apply for?

You can apply for:

• UOB Visa Infinite Card
• UOB PRVI Miles Elite Card
• UOB World Card
• UOB Lady’s Solitaire Card
• UOB Platinum Business Card
• UOB Preferred Card
• UOB Lady’s Card
• UOB ONE Card
• UOB EVOL Card
• Lazada UOB Card
• UOB Simple Card

Where can I reach out for more information?

For any questions, please get in touch with us via email at [email protected]. We're happy to help!

Features and Benefits of UOB credit cards

There are various types of UOB credit cards that you can choose from, such as travel credit cards, cashback credit cards, reward credit cards, and business credit cards. Let's dive into the examples below.

Cashback

With the UOB EVOL Card, you will not miss out on the latest lifestyle privileges anymore, as you'll get rewarded with cashback for spending on eligible categories such as Sustainable Merchants (selected ones), Online, Entertainment, and Contactless Parking, including E-Wallet transactions.

Other than that, the  UOB ONE Card also gives out an attractive cashback of up to 10% for every eligible spending category, such as Petrol, Groceries, Dining, and Grab.

UOB TMRW App

If you’re applying for a UOB credit card for the first time, UOB TMRW makes it easier, faster, and more convenient. This all-in-one digital banking app allows you to apply instantly, track your application in real-time, and manage your card seamlessly once approved. Designed with AI-powered insights, UOB TMRW helps you monitor spending, set savings goals, and enjoy exclusive cashback rewards on daily transactions.

UOB Balance Transfer

Transfer outstanding balances from other banks' credit cards to your UOB card at preferential rates.

• New cardholders: 0% one-time upfront fee (6 months), 1% one-time upfront fee (12 months)
• Existing cardholders: Terms vary, check current offers

Requirements:

• Minimum transfer: RM1,000
• Maximum: Up to 80% of available credit limit
• Cannot transfer balances between UOB cards

How it works:

1. Apply through UOB TMRW app, online banking, or call centre
2. Provide credit card details you want to pay off
3. UOB pays the other bank directly
4. You repay UOB over the chosen tenure

UOB Balance Transfer Instalment

Longer-tenure balance transfer with fixed monthly interest rather than upfront fees.

• New cardholders: Fixed 2.99% p.a. interest
• Existing cardholders: From 5.99% p.a. interest
• Tenure options: 24, 36, 48, and 60 months

Requirements:

• Minimum: RM1,000
• Maximum: Up to 80% of available credit limit
• Fixed monthly instalments

UOB 0% Instalment Payment Plan

Convert purchases into 0% interest instalments at participating merchants.

Features:

• 0% interest (merchant absorbs interest cost)
• Available at 4,000+ participating merchants
• Tenure varies by merchant (typically 6-24 months)
• Apply at the point of purchase

UOB Easi-Payment Plan

Convert any retail purchase on your credit card into monthly instalments after the fact.

Features:

• Upfront interest from 2.99%
• Applicable for transactions RM500 and above
• Tenure: Up to 60 months
• Apply within 30 days of purchase via the UOB TMRW app
• Can bundle multiple purchases into one plan

How it works:

1. Make purchases normally with your UOB credit card
2. Within 30 days, apply via the UOB TMRW app
3. Select transactions to convert
4. Choose tenure (affects interest rate)
5. Fixed monthly payments start next statement

UNIRinggit Rewards Programme

UNIRinggit (UNIRM) is UOB's proprietary rewards currency. Understanding how to earn, redeem, and maximize UNIRinggit points helps extract full value from UOB rewards cards.

Points post to your account within 5-7 working days after transaction settlement. Check your balance through the UOB TMRW app or online banking.

UNIRinggit points expire 3 years from the month they're awarded. Unlike some loyalty programmes that extend expiry with activity, UNIRinggit follows a rolling 3-year expiry regardless of ongoing card usage.

Rewards Redemption Options

1. Air Miles Conversion

Convert UNIRinggit points to four airline programmes:

• Malaysia Airlines Enrich Miles
• Singapore Airlines KrisFlyer Miles
• AirAsia Points
• Asia Miles (Cathay Pacific)

2. Rewards Catalogue

Redeem for physical products, shopping vouchers, dining vouchers, electronics, and travel bookings through the UNIRinggit rewards catalogue. Catalogue items change regularly, access current offerings through the UOB TMRW app.

3. Statement Credit

Some cards allow converting points to statement credit to offset the card balance. Conversion rate is typically less favorable than air miles redemption.

UOB offers multiple programmes to help manage large purchases or consolidate existing debt. Understanding each option's costs and benefits ensures you select the right tool for your financial situation.

Best UOB Credit Cards in Malaysia 2026

1. UOB ONE Card (Platinum)

Best for everyday spending

The ONE Platinum targets Malaysian families and professionals who spend consistently on daily essentials. You'll earn 10% cashback on four critical categories: petrol (any station including Setel), groceries (supermarkets and selected stores), dining (restaurants and food delivery), and Grab transactions (rides, food, mart, including GrabPay reloads).

Important note: UOB discontinued the ONE Classic card and no longer accepts new applications for it. Only ONE Platinum is available to new customers. Existing ONE Classic cardholders can continue using their cards under the old terms.

Key Features:

• 10% cashback on petrol, groceries, dining, Grab (RM15 cap per category)
• RM1,500 minimum monthly spend required
• Maximum RM60/month cashback total (all categories combined)
• 0.2% unlimited cashback on all other retail spending
• 0.2% cashback on the four categories if below RM1,500 minimum

Eligibility:

• Minimum income: RM36,000/year (RM3,000/month)
• Annual fee: RM195 principal, RM100 supplementary
• Annual fee waiver: Spend RM20,000 annually (effective 1 January 2026)
• Credit limit: Based on income assessment

2. UOB EVOL Card

Best for sustainable lifestyle spending

Previously known as UOB YOLO, the EVOL Card targets environmentally conscious younger professionals and millennials. You'll earn 8% cashback on sustainable merchants (selected eco-friendly businesses), online shopping, entertainment (cinemas, streaming services), contactless parking, and e-wallet transactions.

Key Features:

• 8% cashback on sustainable merchants, online, entertainment, parking, e-wallet
• RM500 minimum monthly spend
• RM50 total monthly cashback cap (all categories combined)
• 0.2% cashback if below RM500 minimum
• Annual fee waived with 1 transaction monthly

Eligibility:

• Minimum income: RM36,000/year (RM3,000/month)
• Annual fee: RM90 principal (waived with 1 retail transaction per month)
• Credit limit: Based on income assessment

3. UOB Visa Infinite Card

Best for premium travel

UOB's flagship travel card delivers the highest lounge access quantity among Malaysian credit cards. You'll receive 12 complimentary Plaza Premium Lounge visits annually across Asia Pacific airports, double what most competing Infinite cards offer. Every RM1 spent overseas in foreign currency earns 10x UNIRinggit points, whilst dining and other local transactions earn 5x points. 

Key Features:

• 12x Plaza Premium Lounge access annually (Asia Pacific)
• Exclusive UOB private lounge at KLIA1
• 12x complimentary limousine rides to KLIA/KLIA2 (requires RM5,000 spend in last 30 days)
• 10x UNIRinggit points per RM1 overseas spending
• 5x UNIRinggit points per RM1 dining and local spending
• RM500,000 travel insurance coverage
• 24/7 Visa Infinite concierge service

Eligibility:

• Minimum income: RM120,000/year (RM10,000/month)
• Annual fee: Waived with RM25,000 annual spend
• Credit limit: From RM45,000

4. UOB PRVI Miles Card

Best for air miles accumulation

Designed specifically for travellers who prefer air miles over cashback, PRVI Miles gives you 5x UNIRinggit points per RM1 spent on overseas transactions, airline tickets, hotel bookings, and travel agency purchases. Base local spending earns 1x points. Points expire three years from the month they're awarded, giving you ample time to accumulate substantial balances for major redemptions.

Key Features:

• 5x UNIRinggit points on overseas airlines, hotels, and travel agencies
• 1x UNIRinggit points on local retail spending
• Bonus 2,000 points monthly with 3+ retail transactions
• Convert to Enrich Miles, KrisFlyer Miles, AirAsia Points, Asia Miles
• Points valid 3 years from the month awarded

Eligibility:

• Minimum income: RM60,000/year (RM5,000/month)
• Annual fee: Waived with RM12,000 annual spend
• Credit limit: Based on income assessment

5. UOB Simple Card

Best for no annual fee

The Simple Card delivers exactly what its name promises: straightforward banking with zero annual fee for life and no spending requirements to maintain it. The earning structure is basic but effective: 10% cashback on e-wallet top-ups capped at RM10 monthly, plus 0.2% unlimited cashback on all other retail spending. The e-wallet category includes popular services like Touch 'n Go eWallet, Boost, and GrabPay reloads.

Key Features:

• RM0 annual fee for life (no conditions)
• 10% cashback on e-wallet top-ups (RM10 monthly cap)
• 0.2% unlimited cashback on all other retail spending
• No minimum income documents for existing UOB FD customers
• Simple, no-frills reward structure

Eligibility:

• Minimum income: RM24,000/year (RM2,000/month)
• Annual fee: Free for life (no spend requirement)
• Credit limit: From RM2,000

Eligibility Criteria

To apply for a UOB bank credit card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder will have to be at least 18 years old. 

Minimum income, on the other hand, differs from card to card.

*Please note that the minimum income requirement for expatriates might be different.

Required Documents to Apply

You can compare and apply for a UOB credit card at RinggitPlus. 

To speed up your UOB credit card application, it’s best to prepare the general documents required for a UOB credit card application, like the following.

Frequently Asked Questions (FAQs)

1. How do I increase my UOB credit card limit?

You can choose to have a Permanent Line Adjustment (PLA) by having a new credit limit to suit your living standards or a Temporary Line Adjustment (TLA), which offers a 30-day credit limit increase in the event of emergencies or last-minute purchase settlement.

Whether it is a permanent or temporary credit limit increase, you can apply by calling the UOB 24-hour Call Centre and faxing your three (3) latest income documents to 03-2690 0121.

2. What is the UOB credit card interest rate?

UOB adopts a tiered interest rate at the BNM-approved range of 15% to 18% per annum.

The interest rate charged will commonly be higher if you have a history of inconsistent repayments and lower interest rates if you are prompt in repayments.

3. What are the minimum monthly repayments?

UOB credit card members are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher.

Monthly repayments will have to be made on the stipulated due date.

Failing to do so may result in a late payment charge of a minimum of 1% or RM10 of the total outstanding balance (excluding interests and fees), whichever is higher, and up to a maximum of RM100.

3. How much does it cost to get a UOB credit card replacement?

If your UOB credit card is lost, stolen, or damaged, you can get a replacement credit card for RM50 per card and RM500 per metal card.

You will generally receive your new card within 5 to 7 working days from the date of issuance.

4. What travel benefits can I get with a UOB Credit Card?

You can earn 10X UNIRinggit for every overseas transaction in foreign currencies with the UOB Visa Infinite Credit Card, which can be redeemed for air miles like Enrich Miles, KrisFlyer Miles, or Asia Miles.

Additionally, you’ll enjoy 12X complimentary access to Plaza Premium Lounges across Asia Pacific, including exclusive access to KLIA1's private lounge.

With complimentary travel insurance worth up to RM500,000, 12X limo services to KLIA/KLIA2, and discounts on luxury airport transfers and immigration fast track, your journey will be hassle-free.

Enjoy further perks such as double air miles redemption during your birthday month, luxury airport transfer discounts, and access to a range of exclusive services to make your trip even more convenient.

5. How long does it take to get approved for a UOB credit card via RinggitPlus?

The time it takes to get approved for a UOB Bank credit card through RinggitPlus depends on the bank’s processing time and the completeness of your application. Once you apply via RinggitPlus, you’ll receive a welcome email with instructions on how to finalise your application with UOB Bank.

To ensure there are no delays, make sure all required documents are submitted correctly. If you don’t find the email in your inbox, check your Promotions or Spam folder. After submission, the bank will review your application and contact you once the process is complete. If you need any assistance, don’t hesitate to reach out to us at [email protected].

By applying through RinggitPlus, you’ll get access to exclusive credit card sign-up gifts that you won’t find anywhere else. It’s a fast, easy, and rewarding way to apply — especially for first-time users looking for both convenience and perks.

Apply for a UOB Credit Card

UOB credit card applications can be made online! All you have to do is compare all the UOB credit cards and apply now.

Keep a lookout also for the latest UOB credit card promotion.