UOB Zenith Card

Indulge in privileged access to complimentary travel benefits such as an airport limo ride home, 12X access to Plaza Premium Lounge, a night stay at any hotel, Zenith Concierge Service and up to 2X UNIRM to earn!

UOB Zenith Card12X complimentary airport lounge access & its affiliate partners
Min. Income
RM16,000/month
Annual Fee
RM1,000
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
SONY Playstation 5 Disc Version
worth RM2499
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SONY Playstation 5 Disc Version

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Rewards

Earn 2X UNIRinggit for every RM1 spent on overseas transactions, while every RM1 spent on local transactions earns you 1X UNIRinggit. The accumulated UNIRinggit can be redeemed with items from the UNIRinggit catalogue or to offset selected purchases by paying with UNIRinggit which is accessible through the UOB TMRW mobile app. In addition, spend RM240,000 and above annually and earn 250,000 UNIRinggit as a bonus!

UOB UNIRinggit
EarnSpend
2 points on every RM1on overseas transactions
1 point on every RM1on local transactions

Travel

Enjoy 12X complimentary access per calendar year to selected Plaza Premium Lounge and its affiliate partners' lounge, including exclusive access to the private lounge at KLIA1. Only 1 admission is granted per day, subject to availability at the lounge. Besides that, get a complimentary airport limo ride home simply by presenting 3 transaction receipts made overseas, your UOB Zenith Card and your boarding pass at the KLIA1 Airport Limo Booth (subject to availability and only 1 complimentary ride per day). Additionally, enjoy a complimentary night stay at any hotel of your choice when you book at least 4 consecutive nights' stay via Zenith Concierge Service - a privileged service for all your travels. Terms apply to all privileges.

Premium

Be a loyal UOB Zenith card member and receive up to 50% relationship bonus with UOB Malaysia.

Balance Transfer

Credit card bills hanging heavy over your shoulder? Apply for UOB Balance Transfer plans with low-interest rates and stretch your repayment over longer tenures.

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
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2.68%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3.68%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 4.68%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 easy payment plans and enjoy low-interest rates and longer repayment tenures.

UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months2.99% one-time upfront handling feeRM500
6 months2.99% one-time upfront handling feeRM500
12 months8.15% p.a.and no one-time upfront handling feeRM500
24 months8.15% p.a.and no one-time upfront handling feeRM500
36 months8.15% p.a.and no one-time upfront handling feeRM500
48 months8.15% p.a.and no one-time upfront handling feeRM500
60 months8.15% p.a.and no one-time upfront handling feeRM500
Learn more about UOB Easi-Payment Plan
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM1,000 primary card
  • RM0 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
18%

Requirements

Minimum Annual Income
RM192,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan
Longing for a brand-new item this year? Spend with a UOB credit card and convert a minimum purchase of RM500 into an affordable monthly instalment plan.
UOB Instalment Payment Plan
Shop your desired items from gadgets to retail fashion and others with a UOB 0% Instalment Payment Plan at any participating merchant outlets!
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.
UOB Fixed-Pay Balance Transfer
With UOB Fixed-Pay Balance Transfer you pay the same instalments every month for 6, 12 or 18 months. Manage your mounting credit card debts now!

Review

Unrivalled travel perks with UOB Zenith Card

A UOB Zenith credit cardholder is pampered with fabulous travel deals and privileges such as the following.

  • 12X complimentary access per calendar year to Plaza Premium Lounge and its affiliate partners, including exclusive access to the private lounge at KLIA1. You are allowed 1 admission per day and the lounge is also subject to availability. Simply present your boarding pass and your UOB Zenith Card at the lounge reception to access. Click here to view the participating lounge.
  • Enjoy a complimentary limo ride home from KLIA1 when you show 3 receipts of overseas transactions, your boarding pass and your UOB Zenith Card at the KLIA1 Airport Limo Booth. Note that overseas retail transactions must not exceed 30 days before the redemption date! You are allowed only 1 complimentary ride home per day, subject to availability.
  • Get a complimentary stay at any hotel of your choice when you book at least 4 consecutive nights of stay at the same hotel via Zenith Concierge Service. You must also fully pay for the booking of the entire stay to enjoy this benefit.
  • A personalised Zenith Concierge Service that is available 24/7 to assist you in all your travel needs and arrangements.

Relationship Bonus with UOB

One of the most unique rewards offered to UOB Malaysia credit cardholders is the Relationship Bonus.

This feature awards loyal members of UOB who own a UOB Zenith Credit Card with a relationship bonus of up to 50% based on the number of years you have been the bank's customer:

Years with UOB Zenith Card Relationship Bonus
1 - 3 years 10%
4 - 6 years 20%
7 - 9 years 30%
10 years and above 50%

Earn spend bonus

With a UOB Zenith Card, the more you spend, the more rewarding it gets! You will earn 250,000 worth of UNIRinggit when you spend RM240,000 and above annually (or RM20,000 monthly). Just make sure you use your Zenith Card for every transaction you make and you are well on your way to get the spend bonus you deserve.

Up to 2X UNIRinggit to collect

Get rewarded with 2X UNIRinggit or UNIRM for every RM1 you spend overseas. Meanwhile, local spending gets you 1X UNIRM for every RM1 spent.

Collect as many UNIRinggit as you can and you will be able to redeem the accumulated rewards points with amazing gifts through the UNIRinggit Rewards Catalogue. To top it off, you can pay for any rewards using the collected UNIRM too! This feature is readily available to you via the UOB TMRW app.

Eligibility criteria for UOB Zenith Card

To apply for this card, you must:

  • Be at least 21 years old or older to be eligible as the principal cardmember, while a supplementary cardmember must be 18 years of age and above.
  • Have a minimum annual income of RM192,000 or RM16,000 per month.

Required documents to apply for UOB Zenith Card

For Malaysians, please prepare the following documents.

Salaried employee:

  • Copy of your IC (front and back)
  • Latest 3 months' salary slip

And any of the following documents:

  • Latest Form B/BE (supported with tax payment receipt)
  • Latest EPF statement
  • Latest 3 months' bank statements
  • Latest BE Form with a tax receipt

Self-employed:

  • Copy of your IC (front and back)
  • Photocopy of Business Registration Form
  • Latest BE Form with a tax receipt
  • Latest 6 months' bank statement (showing business turnover)

For foreigners, below are the required documents to make an application.

Salaried employee:

  • Copy of Passport and
  • Latest 2 months' salary slip
  • Work permit valid for at least one (1) year at the time of application and
  • Letter of employment

How much is the annual fee for the UOB Zenith Card?

The annual fee for the UOB Zenith Card is RM1,000 for the principal card. There is no annual fee for the supplementary card.

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