Overview of UOB Credit Cards In Malaysia
There are plenty of 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, selected qualified applicants of eligible UOB credit card(s) will receive a free sign-up gift of either the following:
- Apple iPhone 15 Pro (For every 20th qualified applicant based on the bank's approval list, capped at 10 units.)
- RM300 Touch 'n Go E-Wallet Credit (Guaranteed)
This promotion runs from 4 December 2023 to 18 December 2023, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing cardholders or those who have cancelled their UOB credit card(s) within 12 months from the campaign’s start date are not eligible.
How to be eligible for the gift?
Apply and get approved by UOB, and subsequently activate the new card and make a minimum of 3 retail transactions within 60 days from the card approval date, with no minimum spend to be eligible for the free sign-up gift.
Which credit card(s) can I apply for?
You can apply for:
- UOB EVOL Card
- UOB Basic Card
- UOB Simple Card
- UOB PRVI Miles Card
- UOB ONE Card
- UOB Preferred Card
- UOB Lady's Card
- UOB Lady's Solitaire Card
- UOB Visa Infinite Card
- UOB World Card
- Lazada UOB Card
- UOB PRVI Miles Elite Card
- UOB Zenith Card
- UOB Platinum Business 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!
What are the 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
Recently rebranded from UOB YOLO Visa Card to UOB EVOL Card, you will definitely not going to 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.
You only need to ensure you hit the eligible spending amount criteria for each category to earn up to 8% cashback, with as high as an RM50 monthly cap.
Other than that, the UOB ONE Card too, gives out an attractive cashback of up to 10% for every eligible spending category such as Petrol, Groceries, Dining, and Grab.
The feature that sets apart the ONE Card and the EVOL Card is that the former has lower spending amount criteria for you to maximise your cashback earnings.
However, the monthly cap of the EVOL Card is slightly higher than the ONE Card whereby you only get an RM10 maximum monthly cap.
Regardless of that, it still highly depends on your everyday usage. Choose a UOB cashback credit card that best suits your needs.
UNIRinggit (Reward Points)
The UOB credit card rewards programme is called the UNIRinggit Reward Points which is designed to reward you with points for spending with UOB credit cards.
Say, if your lifestyle requires you to travel the world often, the UOB Visa Infinite Card gives you 8x UNIRM points for every RM1 that you spend overseas using any foreign currency.
Meanwhile, for local spending such as dining and other qualified local transactions, you can earn up to 5x UNIRM points for every RM1 spent.
Let's not forget about the UOB PRVI Miles Card too! This travel credit card rewards you with 5x UNIRM points for every overseas transaction, airline, hotel and travel agency spending.
Plus, an additional 2,000 UNIRM points will also be rewarded to you if you spend at least 3x on selected retail transactions per month. (Terms apply though!)
Air Miles, Airport and Travel Benefits
With every UNIRinggit and if accumulate enough, you will be able to redeem them with air miles easily and use them to enjoy free flights or even upgrade your seat and travel in style with your favourite frequent flyers program such as Malaysia Airlines Enrich Miles, Singapore Airlines KrisFlyer Miles, AirAsia Points and Asia Miles.
The redemption points, however, differ from one frequent flyer program to another. See the table below for examples.
| UOB AIR MILES REDEMPTION | |||
|---|---|---|---|
| Air Miles | UNIRinggit Air Miles Redemption | ||
| Enrich Miles (Malaysia Airlines) | 15,000 UNIRM = 1,000 Enrich Miles | ||
| KrisFlyer Miles (Singapore Airlines) | 15,000 UNIRM = 1,000 KrisFlyer Miles | ||
| Asia Miles (various airlines) | 15,000 UNIRM = 1,000 Asia Miles | ||
| AirAsia Points (AirAsia) | 12,000 UNIRM = 1,000 AirAsia Points | ||
As for airport and travel benefits, the UOB Visa Infinite Card is one of the best options to cater to your travelling needs. You will get to enjoy 12x complimentary access to selected airport lounges within Asia Pacific via the DragonPass mobile app, complimentary travel insurance worth up to RM500,000, plus complimentary limo services from KL/PJ to KLIA/KLIA2.
Contactless Payment via the UOB Visa Checkout
UOB is giving you greater flexibility and convenience in your payment method with Visa Contactless.
All you need is a single UOB Visa Checkout account to handle all of 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 billing and shipping address intact and ensure peace of mind as your personal information is protected with industry-standard, multi-layer security.
Flexible Lines of Credit
Malaysia may have the most shopping malls in the Asian region, if not the world, but UOB credit cards do not limit your shopping appetite.
Some of the lines of credit that can turn your shopping experience to the next level include the UOB 0% Instalment Payment Plan and UOB Easi-Payment Plan with as low as 2.99% interest on selected merchants.
- UOB 0% Instalment Payment Plan: Pay for your purchases over flexible tenures at 0% interest when you shop at any participating merchant outlets
- UOB Easi-Payment Plan: Convert your UOB credit card purchases into easy monthly instalments for up to 60 months and enjoy upfront interest as low as 2.99%
UOB Balance Transfer
Enjoy great savings when you transfer your outstanding balances from other credit cards to your UOB credit card!
Repay your balances at lower interest with flexible repayment tenures of up to 18 months with either the UOB Balance Transfer or UOB Fixed-Pay Balance Transfer.
You can even choose to pay fixed amounts or decide on your own repayment amount every month!
UOB Cash Advance
Nothing beats having instant cash whenever you need it! UOB Cash Advance offers instant cash anywhere, anytime.
It’s so simple and convenient! You can apply via ATM withdrawal, UOB Personal Internet Banking, UOB branches and even at other banks.
All you need is your Personal Identification Number (PIN) which can be requested by calling UOB 24-hour Call Centre.
UOB Credit Shield Plus
Get peace of mind by having financial protection.
With a monthly premium of only RM0.65 per month for every RM100 outstanding balance, UOB CreditShield Plus offers free coverage for the first 30 days upon application approval.
You also get to enjoy a complimentary additional payout for Death, Total and Permanent Disability (TPD) or diagnosis of the 36 Critical Illnesses. To apply, call UOB 24-hour Call Centre.
How do I increase my UOB credit card limit?
There is a solution to greater financial freedom and flexibility!
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 UOB 24-hour Call Centre and fax in your three (3) latest income documents to 03-2690 0121.
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 should you have a history of inconsistent repayments and lower interest rates if you are prompt in repayments.
In addition, do keep a lookout for the UOB credit card annual fee.
For example, while the UOB Preferred Card annual fee for the principal card is RM198, some UOB credit cards have an annual fee waiver upon certain spending or usage.
The UOB EVOL Card, for instance, waives its monthly fee of RM6 as long as you use it at least once a month, while the UOB Lady's Solitaire Card annual fee waiver kicks in when your annual spending exceeds RM30,000 and above.
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.
How much does it cost to get a UOB credit card replacement?
If your UOB credit card got 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.
Am I eligible to apply for UOB credit cards?
To apply for a UOB bank credit card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder is to be at least 18 years old.
Minimum annual income, on the other hand, differs from card to card.
| APPLY FOR UOB CREDIT CARD - ELIGIBILITY | |
|---|---|
| Age of Principal Cardholder | Minimum 21 years old |
| Age of Supplementary Cardholder | Minimum 18 years old |
| Nationality | Anyone |
| Income Requirement (monthly)* |
|
*Please note that the minimum income requirement for expatriates might be different.
What are the documents required to apply for UOB credit cards?
You can compare and apply for a UOB credit card here.
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.
| DOCUMENTS FOR UOB CREDIT CARD APPLICATION | ||
|---|---|---|
| Salaried Employee | Self-Employed | Foreigners |
|
✔ Copy of IC (both sides) ✔ Latest 3 months' salary slips ✔ Latest EPF statement ✔ Latest BE Form with an official tax receipt ✔ Latest 6 months bank statements |
✔ Copy of IC (both sides) ✔ Latest 6 months company's bank statements ✔ Form 9, 24 and 49 OR Business Registration Certificate ✔ Latest B Form with an official tax receipt | ✔ Copy of Passport ✔ Latest 2 months' salary slips ✔ Work permit valid for at least 1 year at the time of application ✔ Letter of employment |
How do I 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.
Best UOB Credit Cards in Malaysia 2023:
UOB Visa Infinite Card
The asking price for luxury is often steep, which is why few can actually afford it. Here’s a UOB credit card that matches your exclusive lifestyle.
The UOB Visa Infinite Card offers exquisite travel experiences such as complimentary airport rides, airport lounge access, travel insurance, air miles redemption and golf benefits.
UOB EVOL Card
Eat, Drink, Play and Repeat with UOB EVOL Card – a cashback credit card that every millennial should have in their pocket.
Seize every day and let the UOB EVOL Card earn you up to 8% cashback when you spend on selected sustainable merchants, online, entertainment, contactless parking and e-wallet transactions.
UOB ONE Card
Earn cashback with the UOB ONE Card. You’ll get extra savings on fun-filled weekends and exclusive dining discounts!
One of the UOB ONE Card benefits is the most rewarding: cash rebates of up to 10% for petrol, groceries, dining and Grab transactions.
UOB Lady's Card
Here’s a UOB card that every shopaholic should own.
Designed for independent women with an eye for the finer things in life, enjoy a wide array of beauty, fashion, dining and shopping privileges - and earn cash rebates along the way.
UOB PRVI Miles Card
Earn air miles faster with every swipe! The best travel credit card that ensures you save more while reaping the benefits of spending, the UOB PRVI Miles Card is the name of the game.
Enjoy up to 5x UNIRinggit when you use the card overseas, for hotels, airlines and travel agencies transactions.
UOB Preferred Card
The UOB Preferred Card is an invitation-only credit card that is packed with benefits and privileges suitable for your lifestyle.
Earn up to 5x UNIRinggit all year long, with no minimum spend required and no limitations. Plus, enjoy a 1-for-1 deal for drinks at all Coffee Bean & Tea Leaf outlets nationwide and exclusive GSC cinema offers.
