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!
12X complimentary airport lounge access & its affiliate partnersProduct summary
- 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
Hear from our users
Rewards
Earn 2X UNIRinggit for every RM1 spent on overseas transactions, while every RM1 spent on local transactions earns you 1X UNIRinggit. Enjoy exclusive rewards of 5X UNIRinggit when you dine at MICHELIN Starred restaurants in Kuala Lumpur and Penang (valid until 31 December 2025)*. 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! *Terms and conditions apply.
| Earn | Spend |
|---|---|
| 2 points on every RM1 | on overseas transactions |
| 1 point on every RM1 | on local transactions |
Travel
Enjoy 12X complimentary access per calendar year to selected Plaza Premium Lounges and their affiliate partners' lounge for Principal Cardmembers and one accompanying guest, including exclusive access to the private lounge at KLIA1. Only 1 admission is granted per day, subject to availability at the lounge. Principal cardmembers can use their complimentary airport lounge access with one (1) accompanying guest per entry, while access for supplementary cardmembers will be discontinued. Besides that, get a Complimentary Grab Ride Home from KLIA1 simply by presenting 3 transaction receipts made overseas in the past 45 days, use the promo code UOBKLIA (capped at RM180 per redemption, 2 complimentary rides per month and per principal cardmember). 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.
Balance Transfer
Feeling weighed down by credit card bills? With UOB Balance Transfer, new UOB credit card holders can enjoy 0% one-time upfront handling fees for 6 months and 1% for 12 months. Additionally, the UOB Balance Transfer Instalment offers fixed interest rates of 2.99% p.a. for new cardholders, with repayment tenures of 24 or 36 months. Enjoy these rates with a minimum transfer of RM1,000 or up to 80% of your credit/available limit, whichever is lower.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a.and no one-time upfront handling fee | from RM1,000 |
| 6 months | 0% p.a. and 3% one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 1% one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 4% one-time upfront handling fee | from RM1,000 |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 24 months | 2.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 36 months | 2.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 24 months | 5.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 36 months | 6.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 48 months | 6.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 60 months | 6.99% p.a. and no one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Convert your purchases made at participating merchants with UOB easy payment plans and enjoy low-interest rates and longer repayment tenures.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 12 months | 3.99% p.a.and no one-time upfront handling fee | RM500 |
| 24 months | 3.99% p.a.and no one-time upfront handling fee | RM500 |
| 36 months | 3.99% p.a.and no one-time upfront handling fee | RM500 |
| 48 months | 3.99% p.a.and no one-time upfront handling fee | RM500 |
| 60 months | 3.99% p.a.and no one-time upfront handling fee | RM500 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 12 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 18 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 24 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 36 months | 0% p.a. and no one-time upfront handling fee | RM500 |
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
- Convert up to 5 big purchases with a minimum of RM500 into affordable monthly instalments. Spend with your UOB Credit Card and enjoy attractive interest rates!
- 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
- Get flexible repayments with UOB and enjoy 0% one-time upfront handling fees for a 6-month tenure, or 1% for 12 months, exclusively for new UOB credit cardholders.
- UOB Balance Transfer Instalment
- With the UOB Balance Transfer Instalment, you pay the same instalments every month for up to 60 months. Manage your mounting credit card debts now and enjoy fixed 2.99% p.a. interest for new cardholders while existing cardholders get as low as 5.99% p.a. interest.
Review
UOB ONE Card
- Min. Income
- RM3,000/month
- Annual Fee
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- Cashback
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UOB EVOL Card
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- Annual Fee
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UOB PRVI Miles Card
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UOB Preferred Card
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Lazada UOB Card
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- Cashback
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UOB Simple Card
- Min. Income
- RM2,000/month
- Annual Fee
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- Cashback
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UOB World Card
- Min. Income
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- Annual Fee
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UOB Visa Infinite Card
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- Annual Fee
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- Cashback
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UOB PRVI Miles Elite Card
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- RM8,333.33/month
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- Cashback
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UOB Lady's Card
- Min. Income
- RM5,000/month
- Annual Fee
- Free*
- Cashback
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UOB Zenith Card
- Min. Income
- RM16,000/month
- Annual Fee
- RM1,000
- Cashback
- No
UOB Lady's Solitaire Card
- Min. Income
- RM10,000/month
- Annual Fee
- Free*
- Cashback
- No
UOB Platinum Business Card
- Min. Income
- RM3,000/month
- Annual Fee
- Free*
- Cashback
- up to 1.2%
