Best UOB Credit Cards in Malaysia 2026

UOB has a range of credit cards catering to every lifestyle, with unique privileges, premium benefits, and outstanding rewards through the UOB UNIRinggit Rewards Programme. Review each card to suit your needs and apply online.

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Overview of UOB Credit Cards In Malaysia

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 UOB credit card that suits you and apply online 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 of the following:

  • Apple iPhone 18 Pro (For one (1) Qualified Applicant with the highest retail spend by 14 February 2027, based on the Qualified Applicants List from the Bank, and 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, capped at 1 unit)
  • Apple Watch Series 12 (For one (1) Qualified Applicant with the highest retail spend by 14 February 2027, based on the Qualified Applicants List from the Bank, and who has applied for UOB Preferred Card, UOB Lady’s Card, UOB ONE Card, UOB EVOL Card, Lazada UOB Card, and UOB Simple Card, capped at 1 unit)
  • RM300 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)
  • RM188 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 2 November 2026 to 16 November 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 by 16 December 2026, 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 by 16 December 2026, 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!


Updated: November 2026

What Do UOB Credit Cards Offer?

UOB's credit cards pay either cashback or UNIRinggit points. Annual fees run from nothing on the Simple Card to RM1,000 on the Zenith Card. RinggitPlus compares all 13 UOB credit cards it lists. We check their fees and reward rates against UOB's fee sheet and card terms. We last checked on 13 November 2026.

Key Takeaways

  • Annual fees. Most cards waive the fee with RM15,000 to RM50,000 of spending a year. The EVOL Card needs only one retail transaction a month, and the Zenith Card has no waiver.
  • Cashback. The ONE and EVOL cards pay 10% cashback only after you spend RM1,500 and RM1,000 a month. Both cap it per category.
  • Travel. Four cards include airport lounge visits, from 6 a year on the Lady's Solitaire Card to 12 on the Visa Infinite and Zenith cards.
  • Eligibility. You must be at least 21. Minimum income runs from RM24,000 a year on the Simple and Lazada UOB cards to RM120,000 on the Visa Infinite Card.
  • Charges. A cash advance costs a 0.37% fee plus 18% p.a. interest from the day you withdraw.

UNIRinggit is UOB's points currency, and 10X means 10 points for every RM1 you spend. Fees are for the principal card. UOB's website says it no longer accepts applications for the PRVI Miles and Zenith cards. The tables mark them and list them last.

How Much Income Do You Need For A UOB Credit Card?

Principal cardholders must be at least 21 and supplementary cardholders at least 18. UOB states the minimum income per year, and the table also shows it per month.

Card Minimum Income (RM per month) Annual Fee (RM) Annual Spend To Waive Fee (RM)
UOB Simple Card 2,000 None No fee to waive
Lazada UOB Card 2,000 100 20,000
UOB ONE Card (Platinum) 3,000 195 20,000
UOB EVOL Card 3,000 90 One retail transaction per statement month
UOB Preferred Card 3,000 198 20,000
UOB Lady's Card (Platinum) 5,000 128 20,000
UOB World Card 5,000 600 50,000
UOB PRVI Miles Elite Card 8,333 600 50,000
UOB Lady's Solitaire Card 10,000 300 50,000
UOB Visa Infinite Card 10,000 600 50,000
UOB Lady's Card (Classic) Not stated by UOB 68 15,000
UOB Platinum Business Card Not stated by UOB 150 24,000
UOB PRVI Miles Card (closed to new applications) Not stated by UOB 198 20,000
UOB Zenith Card (closed to new applications) Not stated by UOB 1,000 No waiver

For the cards marked "Not stated by UOB", ask UOB for the minimum income before you apply. Spending towards a waiver excludes balance transfers, Easi-Payment Plans, cash withdrawals and fees. UOB adds up spending on the principal and supplementary cards, then assesses each card's waiver separately on its anniversary date. The ONE Card's 10% rate needs RM1,500 a month, which is RM18,000 a year. That's RM2,000 short of the RM20,000 that waives the fee. If you're comparing cards that never charge a fee, see no annual fee credit cards.

What Should You Compare For Your Spending?

Add up your last three statements, then see which group most of your money falls into. The best UOB card depends on that, and RinggitPlus compares cards instead of picking one for you.

Where Most Of Your Spending Goes UOB Card That Rewards It Top Reward Annual Fee (RM)
Petrol, groceries, dining and Grab UOB ONE Card 10% cashback 195
Online spending and e-wallet top-ups UOB EVOL Card 10% cashback online, 5% on e-wallet top-ups 90
Streaming, dining, entertainment and groceries UOB Preferred Card Up to 10X UNIRinggit 198
Fashion and beauty UOB Lady's Card, UOB Lady's Solitaire Card Up to 10X UNIRinggit 68 (Classic), 128 (Platinum) or 300 (Solitaire)
Lazada orders Lazada UOB Card 10X UNIRinggit on Lazada 100
Other online shopping and e-wallet reloads UOB World Card Up to 12X UNIRinggit 600
Interest you pay on a card balance UOB Simple Card 10% back on the interest charged None
Overseas spending, airline tickets and hotels UOB PRVI Miles Elite Card, UOB Visa Infinite Card Up to 12X UNIRinggit overseas on the Elite, 10X on the Visa Infinite 600 each

Thinking of holding more than one UOB card? How Many Credit Cards Should You Have? covers Bank Negara Malaysia's card limit rules and what extra cards cost. What To Check Before You Cancel A Credit Card explains when to cancel so you don't pay another year of service tax.

How Much Cashback Can You Earn?

UOB's cashback cards pay part of your spending back as cash. The Simple Card is different because it returns part of the interest you pay.

Card Highest Cashback Rate Where It Pays Cashback Cap Per Month (RM)
UOB ONE Card (Platinum) 10% Petrol, groceries, dining and Grab, after RM1,500 a month 15 per category, 60 in total
UOB EVOL Card 10% Online spending, after RM1,000 a month. 5% on e-wallet top-ups 15 per category, 30 in total
UOB Simple Card 10% of the interest you're charged Interest on purchases and cash advances, if you paid the minimum on time No cap
UOB Platinum Business Card 1.2% Overseas spending. 0.25% on local spending No cap stated

UOB ONE Card Versus UOB EVOL Card

For other options, see cashback credit cards.

Feature UOB ONE Card (Platinum) UOB EVOL Card
Other cashback 0.2% on all other spending 5% on e-wallet top-ups
If you miss the minimum 0.2% on the four categories No cashback
Annual fee RM195, waived at RM20,000 a year RM90 (RM7.50 a month), waived with one retail transaction each statement month

A category hits its RM15 cap at RM150 of spending. So RM150 in each of petrol, groceries, dining and Grab earns the full RM60 on a ONE Card. Your total spending that month must also reach RM1,500, which means another RM900 on other things. That's the most a ONE Card pays. Over a year, it's at most RM720 in cashback, against RM220 in annual fee and SST if you stay under RM20,000. For example, with RM100 in each of the four categories instead, you earn RM40 a month from them, or RM480 a year.

On the EVOL Card, online spending hits its cap at RM150 and e-wallet top-ups at RM300. That gives RM30 a month once you've spent RM1,000.

The ONE Card's petrol category covers any station, including payments through Setel's CardTerus, but not Setel wallet top-ups. Groceries covers selected supermarkets, including AEON Big, Jaya Grocer, Lotus's and Mercato. Grab covers rides, food, Mart and GrabPay.

UOB pays by merchant category code, which the merchant's own bank assigns. A shop with a different code doesn't earn the category rate. Neither card pays cashback on government payments, utility bills, JomPay or Easi-Payment Plan purchases.

How The UOB Simple Card Cashback Works

The Simple Card doesn't pay cashback on what you spend. It returns 10% of the interest on purchases and cash advances on your statement. You only get it if you paid the previous month's minimum by the due date. UOB's own example is RM200 of retail interest, which earns RM20 back, so you've paid RM180. If you clear your balance in full every month, there's no interest and so no cashback.

How Do UNIRinggit Points Work?

UOB's points cards pay in UNIRinggit, and the highest rates apply only to set categories.

Card Highest Rate Per RM1 Where You Earn It Other Spending
UOB Preferred Card 10X Streaming 1X on other local spending
Lazada UOB Card 10X Lazada and Lazada wallet top-ups, up to RM500 a month 1X
UOB Lady's Card (Classic and Platinum) 10X Fashion and beauty Not stated by UOB
UOB Lady's Solitaire Card 10X Fashion Not stated by UOB
UOB World Card 12X Selected e-commerce and e-wallet reloads, up to RM300 per merchant 1X on local spending
UOB PRVI Miles Elite Card Up to 12X Overseas, at 12X in Singapore, Thailand, Vietnam and Indonesia and 10X elsewhere 1X on local spending
UOB Visa Infinite Card 10X Overseas, in a foreign currency Not stated by UOB
UOB PRVI Miles Card (closed to new applications) 5X Overseas, and airlines, hotels and travel agencies up to RM5,000 per statement cycle 1X
UOB Zenith Card (closed to new applications) 2X Overseas 1X on local spending

Several cards pay lower rates on other categories, with caps.

  • Preferred Card. 5X on dining, entertainment and groceries, and 3X on petrol and recurring payments.
  • Lazada UOB Card. 5X on online entertainment, food delivery, telco and insurance, up to RM500 each a month.
  • Lady's Card. 5X on groceries. Fashion and grocery earnings are capped at 8,000 UNIRinggit a month on the Classic and 15,000 on the Platinum.
  • Lady's Solitaire Card. 5X on groceries and on foreign currency spending. Fashion and grocery earnings are capped at 20,000 UNIRinggit a month.
  • World Card. 5X on selected stores and supermarkets up to RM3,000, and on overseas spending up to RM24,000 a year. Above these caps, it's 1X.
  • PRVI Miles Elite Card. 5X on airlines.
  • Visa Infinite Card. 5X on dining once you spend RM1,000 on dining in a month.
  • Zenith Card. A bonus of 250,000 UNIRinggit when you spend RM240,000 a year. A loyalty bonus of 10% to 50% rises with your years as a cardholder.

How UNIRinggit Points Expire And Get Redeemed

UNIRinggit expire on the last day of the quarter, three years after you earn them. Points earned from January to March 2026, for example, expire on 31 March 2029.

Principal and supplementary cardholders both earn points, but only principal cardholders can redeem them. UOB sets these rules in its UNIRinggit terms.

You redeem through the UOB TMRW app or UOB's contact centre for gifts, vouchers, air miles, your annual fee or cashback. Pay with UNIRinggit offsets eligible purchases within 60 days of the transaction, for up to 20 transactions at a time. Each purchase must be at least RM50 (RM4 on Lazada).

UOB sets which airline programmes you can convert to and lists them in TMRW. On the UOB PRVI Miles Elite Card, 12,000 UNIRinggit convert to 1,000 air miles. Other cards can differ, so check TMRW before you convert.

What Do The Premium UOB Cards Add?

UOB Visa Infinite Card

The Visa Infinite Card earns its 10X only when the merchant bills you in a foreign currency. If the merchant converts the bill to ringgit instead, the same spending earns 1X. The 5X on dining counts local dining only, and overseas dining earns the overseas rate.

Lounge visits are for principal cardholders. They cover the Plaza Premium Lounges at KLIA Terminal 1, Penang and Langkawi, plus other lounges listed in the DragonPass app. Supplementary cardholders aren't covered, though guests aged 12 and above get 50% off at Plaza Premium Lounges in Malaysia. For other cards with lounge access, see free airport lounge access credit cards.

The card also comes with up to 12 airport transfers a year, one a month. Each one needs RM5,000 of airline, hotel or travel agency spending in the 30 days before the ride. UOB caps the total number of transfers it gives, on a first-come basis.

UOB Credit Card Lounge And Travel Benefits

UOB allows only one eligible UOB credit card per lounge visit, however many UOB cards you hold.

Card Free Visits A Year Lounges
UOB Visa Infinite Card 12 Plaza Premium Lounges and lounges in the DragonPass app
UOB PRVI Miles Elite Card 8 Plaza Premium Lounge, including private access at KLIA Terminal 1
UOB Zenith Card (closed to new applications) 12 Plaza Premium Lounge
UOB Lady's Solitaire Card 6 KLIA Terminal 1

UOB PRVI Miles Card

UOB's website says it no longer accepts applications for the PRVI Miles Card, so this section is for existing cardholders. Other local spending earns 1X, except for categories such as petrol, utilities and government payments. The 5X on airlines, hotels and travel agencies stops at RM5,000 of combined spending per statement cycle, then drops to 1X. Overseas spending has no cap.UOB's own example is RM2,000 on hotels and RM6,000 on airline tickets in one month. That earns 28,000 UNIRinggit. The first RM5,000 earns 5X and the remaining RM3,000 earns 1X.

To see other mileage cards, go to air miles credit cards.

What Fees Do UOB Credit Cards Charge?

UOB lists these charges on its credit card fees and charges page. RinggitPlus checked the figures below against it on 13 November 2026.

Charge What You Pay When It Applies
Service tax RM25 per card Each card, every year
Cash advance fee 0.37% plus service tax Each cash advance, from 1 January 2026
Overseas spending Up to 1.22% from Visa or Mastercard, plus a 1% UOB markup Each overseas transaction
Paying in ringgit overseas An extra 1% When you choose ringgit at the till or website
Card replacement RM15 per card A lost, stolen or damaged card

Interest And Late Payment

Interest on purchases depends on how many of the last 12 months you paid the minimum on time.

Your Payment Record Interest Rate (% p.a.)
Minimum payment made on time in all of the last 12 months 15%
Minimum payment made on time in 10 or 11 of the last 12 months 17%
Minimum payment made on time in 9 or fewer of the last 12 months 18%
Cash advance 18%, from the day you withdraw

Missing one due date in a year moves you from 15% to 17%. On a RM10,000 balance, for example, that's RM200 more in interest a year. A late payment on an RM3,000 balance would also cost RM30 (1%) on top. Before you take a cash advance, read When Not To Use Your Credit Card. If a charge on your statement isn't yours, see What To Do If Your Credit Card Is Used For Fraud.

When Is Your UOB Credit Card Bill Due?

UOB gives you 20 days from the statement date to pay in full without interest. That doesn't apply to cash advances or balance transfers.

What To Know What UOB Says
Minimum payment 5% of the balance or RM50, whichever is higher, plus any instalments
Late payment charge The higher of RM10 or 1% of the outstanding balance, up to RM100

Should You Use An Easi-Payment Plan Or A Balance Transfer?

UOB's balance transfer rates are promotional. EIR means effective interest rate. RinggitPlus checked these rates on UOB's balance transfer and Easi-Payment Plan pages on 13 November 2026.

Plan What It Covers Interest Rate (% p.a.) Tenure (months)
Easi-Payment Plan Up to five unbilled transactions, RM500 or more in total 3.99% flat 12, 24, 36, 48 or 60
Balance transfer Balances from up to five other cards, from RM1,000 From 0% EIR 6, 12, 24, 36, 48 or 60

UOB's balance transfer rate depends on whether you're new to UOB, a new cardmember or an existing cardmember.

Who Can Get It Interest Rate (% p.a. EIR) Tenure (months)
New-to-bank customers 0% 6
New cardmembers 3.80% 12 to 60
Existing cardmembers, depending on credit profile From 3.80% 12 to 60
  • You can move up to 80% of your credit limit or available limit, whichever is lower.
  • After the promotion ends, UOB charges 18% p.a. on what you haven't repaid.
  • There's no penalty for settling a balance transfer in full early.
  • Each instalment adds to your minimum payment every month.

For other UOB plans, see RinggitPlus's pages for UOB Balance Transfer Instalment and UOB 0% Instalment Payment Plan. To choose between a balance transfer and an Easi-Payment Plan, read Balance Transfers vs Easy Payment Plans: When To Use Each. To see what matters before you apply, read What To Check Before Applying For A Balance Transfer.

What UOB Credit Card Promotions Are Available?

These are benefits UOB runs for cardholders, and UOB can change or end them. RinggitPlus's own sign-up gift is shown at the top of this page.

Card Promotion What You Need To Do
UOB PRVI Miles Elite Card A free Grab ride home from KLIA Terminal 1 within Klang Valley, up to RM80 per ride, twice a month Link the card to the Grab app, use the promo code UOBKLIA80 and make at least 3 overseas transactions in the past 45 days
UOB Zenith Card (closed to new applications) A free Grab ride home from KLIA Terminal 1 within Klang Valley, up to RM180 per ride, twice a month Make at least 3 overseas transactions in the past 45 days
UOB PRVI Miles Elite Card Bonus UNIRinggit on Agoda bookings, up to 29X in total on spending in Singapore, Thailand, Vietnam and Indonesia, 27X in other foreign currencies and 18X in ringgit Book through the Agoda page UOB designates
UOB PRVI Miles Card (closed to new applications) 50% off Grab rides, up to RM10 off a ride and 4 rides a month Use the promo code PRVIRIDE. UOB limits the total to 2,000 redemptions a month
UOB PRVI Miles Card (closed to new applications) A bonus of 2,000 UNIRinggit each calendar month Make at least 3 retail transactions of RM10 or more in the month. UOB limits the total payout each month; first come, first served

How Do You Apply For A UOB Credit Card Through RinggitPlus?

Applying through RinggitPlus qualifies you for RinggitPlus's own sign-up gift. RinggitPlus shows the current gift, the cards it covers and the minimum spend at the top of this page.

  1. Tap Apply Now at the top of this page. It opens a WhatsApp chat with RinggitPlus.
  2. Tick the boxes to agree to RinggitPlus's terms, privacy policy and credit reporting terms, and to be contacted on WhatsApp.
  3. Have your documents from the table below ready.
  4. Check your email for a welcome message with instructions for finishing your application with UOB. If it isn't there, look in your Promotions or Spam folder.
  5. Wait for UOB's decision. Once UOB approves you, activate your card.

What Documents Do You Need To Apply?

The documents UOB asks for depend on whether you're salaried, self-employed or an expatriate.

Document Salaried Employee Self-Employed Expatriate
Identity MyKad, both sides MyKad, both sides Passport
Income proof Latest salary slips, usually 3 months Latest B or BE Form with tax receipt Latest salary slips, 2 to 3 months
Business Not needed Business Registration Form Not needed
Other proof Any of the latest B or BE Form with tax receipt, latest EPF statement, latest 3 months' bank statements, or CP58 if you earn commission Latest 6 months' bank statements showing business turnover Work permit valid for at least one year at the time of application, and a letter of employment

What Should You Read Before You Apply?

A weak credit record can get an application declined. Read Credit Scores: What They Are And Why They Matter and How To Apply For A Credit Card before you start.

UOB Credit Card FAQs

How do I apply for a UOB credit card?

Tap Apply Now at the top of this page. It opens a WhatsApp chat with RinggitPlus, and you then get an email with instructions for finishing your application with UOB. You must be at least 21 and meet the card's minimum income. Have your MyKad (or passport if you're an expatriate) and your income documents ready. The application steps and documents table above set out the rest.

Which UOB credit card is best?

It depends on where your money goes, and RinggitPlus compares cards instead of picking one for you. Add up your last three statements, then see which group your spending falls into in the matching table above. Check that you can meet the card's minimum monthly spend, because the ONE Card's 10% cashback, for example, only starts at RM1,500 a month. Also compare the annual fee with what the card pays back.

What are the benefits of the UOB ONE Card?

The ONE Platinum Card pays 10% cashback on petrol, groceries, dining and Grab once you spend RM1,500 in a statement month. The cashback is capped at RM15 per category and RM60 a month in total. Other spending earns 0.2%. The annual fee is RM195, waived at RM20,000 of spending a year, and the minimum income is RM36,000 a year. The ONE Card pays cashback and doesn't earn UNIRinggit.

What are the benefits of UOB credit cards?

UOB's cashback cards, the ONE, EVOL and Simple, pay part of your spending or interest back as cash. Its other cards earn UNIRinggit, which principal cardholders redeem through the UOB TMRW app for gifts, vouchers, air miles, the annual fee or cashback. Four cards add airport lounge visits, from 6 to 12 a year, and the Visa Infinite Card adds airport transfers. UOB also offers balance transfers and Easi-Payment Plans on its cards.

What promotions does UOB have for credit cards?

If you apply through this page, RinggitPlus's own sign-up gift applies, and it's shown at the top of the page. UOB also runs benefits for cardholders, such as free Grab rides home from KLIA, bonus UNIRinggit on Agoda bookings and airport transfers. The promotions table above lists each one with its dates and what you need to do.

What are the requirements for a UOB credit card?

You must be at least 21 to hold a principal card, and 18 for a supplementary card. UOB's minimum income runs from RM24,000 a year on the Simple and Lazada UOB cards to RM120,000 a year on the Visa Infinite Card. UOB doesn't state a minimum for four of its cards, so ask UOB before you apply for those. You also need identity and income documents, which depend on whether you're salaried, self-employed or an expatriate.

What types of UOB credit cards are there?

UOB's cards fall into three groups. Cashback cards are the ONE, EVOL and Simple cards, and the Platinum Business Card for business owners. Points cards, which earn UNIRinggit, are the Preferred, Lazada UOB, Lady's and World cards. Travel cards are the PRVI Miles Elite and Visa Infinite cards, with the Zenith and PRVI Miles cards closed to new applications.

Are UOB credit cards Visa or Mastercard?

It depends on the card. The Visa Infinite Card is a Visa, and UOB's pages show the World and Zenith cards as Mastercard. UOB doesn't state the network for the other cards on its pages, so check your card's terms or ask UOB.

Does UOB have an Islamic credit card?

No. None of the UOB cards on RinggitPlus are Shariah-compliant cards, and UOB's own list of Malaysian credit cards doesn't include one. To compare Shariah-compliant cards from other banks, see Islamic credit cards.

Is there a UOB ONE Classic Card?

UOB's ONE Card page says it no longer accepts applications for the ONE Classic Card. UOB's fee sheet still lists it at RM120 a year, waived at RM15,000 in annual spending. The ONE Platinum Card is the version this page compares.

Ready To Apply?

Chosen a card? Apply Now at the top of this page starts your application with RinggitPlus.

The RinggitPlus Gift Redemption Process

Applied for a credit card with a RinggitPlus sign-up gift? After your credit card application is approved by the participating bank, you'll need to fulfil the promotion requirements stated in the campaign's Terms and Conditions before you become eligible for your reward.

Once you've met the promotion requirements, the participating bank checks that you've fulfilled all the campaign criteria. After confirming the eligible applications with RinggitPlus, we'll send eligible customers a redemption email with a unique redemption code and instructions for completing the RinggitPlus Rewards Redemption Form.

From credit card approval to receiving your reward, the process typically takes around three months.

What To Expect After Your Credit Card Is Approved

TimelineWhat happens
Day 1–10The participating bank reviews and approves your credit card application.
Day 11–60Activate your credit card and complete the promotion requirements, such as meeting the minimum eligible retail spending.
Up to Day 60The participating bank checks that eligible customers have met the promotion requirements before confirming the successful applications with RinggitPlus.
Around Day 61RinggitPlus emails eligible customers a unique redemption code and instructions for completing the Rewards Redemption Form.
Day 62–90Once you've completed the Rewards Redemption Form, RinggitPlus processes your reward. Delivery timelines vary depending on the reward type.

These timelines are estimates and may vary depending on the promotion and the time required to complete the verification process.

Meeting The Promotion Requirements

Most RinggitPlus credit card promotions require you to complete a minimum amount of eligible retail spending within a specified period after your credit card is approved. The exact requirement varies between promotions, so always refer to the campaign's Terms and Conditions.

For example, if your credit card is approved on 15 December and the promotion requires RM3,000in eligible retail spending within 60 days, you'll need to complete your spending by 13 February to qualify for the reward.

You can usually keep track of your eligible spending through the participating bank's mobile app or online banking platform.

Why Does The Process Take Around Three Months?

Every eligible application goes through a verification process to confirm that the promotion requirements have been met before rewards are issued. This helps ensure that rewards are sent to customers who have successfully fulfilled the campaign criteria.

Once the participating bank completes the verification and confirms the eligible applications with RinggitPlus, we'll send a redemption email to successful customers so they can claim their reward.

While the process typically takes around three months from your credit card approval date, the exact timeline may vary depending on the promotion and the time required to complete the verification process.

If you'd like a closer look at what happens after your application is approved, read Applied for a Credit Card? Here's Where Your Gift Is Right Now.

Redeeming Your Reward

After you've received your redemption email, complete the RinggitPlus Rewards Redemption Form using the unique redemption code provided in the email. Once your submission has been confirmed, we'll begin processing your reward.

As a general guide:

RewardEstimated delivery
Physical giftsWithin 28 days after your redemption has been confirmed
E-wallet credits and vouchersWithin 10 days after your redemption has been confirmed

Delivery timelines are estimates and may vary depending on stock availability, fulfilment schedules, and operational requirements.

Full List of RinggitPlus Sign-Up Gift Winners

[Updated: November 2026]

Date Campaign Name Winners
1 September 2026 - 28 September 2026 Maybank Sony PlayStation 5 Digital Console (Slim) 825GB Flash Deal See full list
22 July 2026 - 24 July 2026 HSBC Apple AirPods Max Flash Deal See full list
20 July 2026 - 3 August 2026 Maybank Nintendo Switch 2 Flash Deal See full list
20 July 2026 - 27 July 2026 OCBC Apple Watch Ultra 3 Flash Deal See full list 
6 July 2026 - 20 July 2026 OCBC Apple iPad Air M4 Flash Deal See full list
6 July 2026 - 20 July 2026 Maybank RM2,500 Cash via DuitNow Flash Deal See full list
22 June 2026 - 6 July 2026 OCBC RM3,888 Touch ‘n Go eWallet Credit Flash Deal See full list
22 June 2026 - 6 July 2026 AmBank Apple iPad A16 Flash Deal See full list
22 June 2026 - 6 July 2026 Maybank RM2,000 Cash via DuitNow Flash Deal See full list
15 June 2026 - 30 June 2026 RHB Apple AirPods Max 2 Flash Deal See full list
8 June 2026 - 22 June 2026 OCBC Apple Watch Ultra 3 Flash Deal See full list
3 June 2026 - 15 June 2026 RHB Apple AirPods Max 2 Flash Deal See full list
25 May 2026 - 22 June 2026 AmBank Apple Watch Series 11 Flash Deal See full list
25 May 2026 - 8 June 2026 OCBC RM3,888 Touch ‘n Go eWallet Credit Flash Deal See full list
11 May 2026 - 3 June 2026 RHB Apple MacBook Air M5 Flash Deal See full list
8 May 2026 - 25 May 2026 OCBC Apple iPhone 17 Pro Max Flash Deal See full list
29 April 2026 - 11 May 2026 HSBC Apple iPhone 17 Pro Flash Deal See full list
25 May 2026 - 22 June 2026 Maybank Nintendo Switch 2 Flash Deal See full list
27 April 2026 - 25 May 2026 AmBank Apple iPad Air M4 Flash Deal See full list
27 April 2026 - 25 May 2026 Maybank RM2,520 Cash via DuitNow Flash Deal
See full list
27 April 2026 - 29 April 2026 HSBC Apple AirPods Max 2 Flash Deal See full list
20 April 2026 - 11 May 2026 RHB RM5,000 Touch ‘n Go eWallet Credit Flash Deal See full list
16 April 2026 - 27 April 2026 HSBC RM4,888 Touch ‘n Go eWallet Credit Flash Deal See full list
1 April 2026 - 14 April 2026 HSBC Apple MacBook Air M5 Flash Deal See full list
30 March 2026 - 27 April 2026 AmBank RM3,000 Touch ‘n Go eWallet Credit Flash Deal See full list
30 March 2026 - 27 April 2026 Maybank Sony PlayStation 5 Digital Console (Slim) 825GB Flash Deal See full list
30 March 2026 - 20 April 2026 RHB Bank Samsung Galaxy S26 Ultra Flash Deal See full list
16 March 2026 - 18 March 2026 HSBC Apple AirPods Max Flash Deal See full list
9 March 2026 - 30 March 2026 RHB Bank RM5000 Touch & Go e-Wallet Flash Deal See full list
2 March 2026 - 30 March 2026 Ambank Apple Watch Ultra 3 Flash Deal See full list
2 March 2026 - 30 March 2026 Maybank RM2500 Cash Via DuitNow Flash Deal See full list
27 February 2026 - 16 March 2026 HSBC Apple iPhone 17 Pro Flash Deal See full list
16 February 2026 - 9 March 2026 RHB Bank RM5000 Touch & Go e-Wallet e-Voucher Flash Deal See full list
4 February 2026 - 2 March 2026 AmBank RM3,000 Touch & Go e-Wallet e-Voucher Flash Deal See full list
26 January 2026 - 16 February 2026 RHB Bank RM5000 Touch & Go e-Wallet e-Voucher Flash Deal See full list
26 January 2026 - 2 March 2026 Maybank Apple Watch Ultra 3 Flash Deal See full list
19 January 2026 - 3 February 2026 HSBC RM5,000 Touch ‘n Go eWallet Credit Flash Deal See full list
5 January 2026 - 3 February 2026 AmBank Apple iPad Air M3 Flash Deal See full list
5 January 2026 - 26 January 2026 RHB RM4,888 Touch ‘n Go eWallet Credit Flash Deal See full list
5 January 2026 - 19 January 2026 HSBC Apple iPhone 17 Pro Flash Deal  See full list
29 December 2025 - 26 January 2026 Maybank RM2,500 Cash Via DuitNow Flash Deal See full list
22 December 2025 - 5 January 2026 HSBC RM4,888 Touch ‘n Go eWallet Credit Flash Deal See full list
15 December 2025 - 29 December 2025 Alliance Bank Apple iPhone 17 Pro Flash Deal See full list
15 December 2025 - 5 January 2026 RHB RM5,000 Touch ‘n Go E-Wallet Credit Flash Deal See full list
8 December 2025- 5 January 2026 AmBank RM3,000 Touch ‘n Go eWallet Credit Flash Deal See full list
8 December 2025 - 22 December 2025 HSBC Apple iPhone 17 Pro Flash Deal See full list
1 December 2025 - 15 December 2025 Alliance Bank RM4,800 Touch ‘n Go E-Wallet Credit Flash Deal See full list
1 December 2025 - 29 December 2025 Maybank Sony PlayStation 5 Digital Console (Slim) 825GB Flash Deal See full list
24 November 2025 - 8 December 2025 HSBC RM4,800 Touch ‘n Go E-Wallet Credit Flash Deal See full list
24 November 2025 - 15 December 2025 RHB Apple iPhone Air Flash Deal See full list
17 November 2025 - 1 December 2025 Alliance Bank Apple iPhone 17 Flash Deal See full list
10 November 2025 - 24 November 2025 HSBC Apple MacBook Air M4 Flash Deal See full list
27 October 2025 - 10 November 2025 HSBC RM4,800 Touch & Go e-Wallet e-Voucher Flash Deal See full list
13 October 2025 - 27 October 2025 HSBC Apple iPad Pro M4 Flash Deal See full list
3 November 2025 - 1 December 2025 Maybank RM2,500 Cash via DuitNow Flash Deal See full list
3 November 2025 - 24 November 2025 RHB RM5000 Touch & Go e-Wallet Flash Deal See full list
3 November 2025 - 17 November 2025 Alliance Bank Apple iPhone 17 Pro Max Flash Deal See full list
13 October 2025 - 3 November 2025 RHB RM5000 Touch & Go e-Wallet e-Voucher Flash Deal See full list
6 October 2025 - 3 November 2025 Maybank RM2,500 Cash Via DuitNow Flash Deal See full list
1 October 2025 - 13 October 2025 HSBC Apple iPhone 16 Pro Max Flash Deal See full list
22 September 2025 - 24 September 2025 HSBC RM5000 Touch & Go e-Wallet e-Voucher Flash Deal See full list
22 September 2025 - 13 October 2025 RHB Bank Apple iPhone 16 Pro Flash Deal See full list
19 September 2025 - 22 September 2025 HSBC Apple MacBook Air M4 Flash Deal See full list
8 September 2025 - 17 September 2025 HSBC RM4,500 Touch ‘n Go e-Wallet Credit Flash Deal See full list
2 September 2025 - 8 September 2025 HSBC Apple iPhone 16 Pro Max Flash Deal See full list
2 September 2025 - 22 September 2025 RHB RM5,000 Touch 'n Go e-Wallet Credit Flash Deal See full list
25 August 2025 - 2 September 2025 HSBC Apple iPad Pro M4 Flash Deal See full list
25 August 2025 - 2 September 2025 UOB RM2,888 Touch N Go e-Wallet Flash Deal See full list
11 August 2025 - 18 August 2025 HSBC Apple iPhone 16 Pro Max Flash Deal See full list 
11 August 2025 - 18 August 2025 UOB Apple iPad Air M3 with Apple Pencil Flash Deal See full list
18 August 2025 - 25 August 2025 HSBC RM5,000 Touch ‘n Go e-Wallet Credit Flash Deal See full list
11 August 2025 - 2 September 2025 RHB Apple iPhone 16 Pro Flash Deal See full list
11 August 2025 - 18 August 2025 UOB RM3,500 Touch N Go e-Wallet Flash Deal See full list
4 August 2025 - 11 August 2025 HSBC RM4,800 Touch N Go e-Wallet Flash Deal See full list
4 August 2025 - 11 August 2025 UOB Apple iPad Pro M4 Flash Deal
See full list
28 July 2025 - 4 August 2025 UOB Apple iPhone 16 Flash Deal See full list
28 July 2025 - 4 August 2025 HSBC Apple iMac M4 Flash Deal See full list
21 July 2025 - 11 August 2025 RHB RM5,000 Touch ‘n Go E-Wallet Credit Flash Deal See full list
21 July 2025 - 28 July 2025 HSBC RM5,000 Touch ‘n Go E-Wallet Credit Flash Deal See full list
21 July 2025 - 28 July 2025 UOB Apple iPad Air M3 + Apple Pencil Flash Deal See full list
16 July 2025 - 21 July 2025 HSBC Apple iPhone 16 Pro Max Flash Deal See full list
14 July 2025 - 21 July 2025 UOB RM3,500 Touch 'n Go E-Wallet Flash Deal See full list
7 July 2025 - 14 July 2025 HSBC Apple iPad Pro M4 Flash Deal See full list
7 July 2025 - 14 July 2025 UOB Apple iPhone 16 Flash Deal See full list
30 June 2025 - 21 July 2025 RHB Apple iPhone 16 Pro Flash Deal See full list
30 June 2025 - 7 July 2025 UOB Apple iPad Pro M4 Flash Deal See full list
30 June 2025 - 7 July 2025 HSBC Apple MacBook Air M4 Flash Deal See full list
23 June 2025 - 30 June 2025 HSBC RM6,666 Touch 'n Go E-Wallet Credit Flash Deal See full list
23 June 2025 - 30 June 2025 UOB Apple iPad Air M3 + Apple Pencil Flash Deal See full list
16 June 2025 - 23 June 2025 UOB Apple iPhone 16 Flash Deal See full list
9 June 2025 - 30 June 2025 RHB RM5,000 Touch ‘n Go E-Wallet Credit Flash Deal See full list
9 June 2025 - 23 June 2025 HSBC Apple iPad Air M3 and Apple AirPods Pro 2 Flash Deal See full list
9 June 2025 - 16 June 2025 HSBC RM4,800 Touch ‘n Go E-Wallet Credit Flash Deal See full list
9 June 2025 - 16 June 2025 UOB RM3,500 Touch 'n Go E-Wallet Credit Flash Deal See full list
3 June 2025 - 9 June 2025 UOB Apple MacBook Air M4 Flash Deal See full list
3 June 2025 - 9 June 2025 HSBC Apple iPhone 16 Flash Deal See full list
26 May 2025 - 3 June 2025 UOB Apple iPhone 16 Flash Deal See full list
26 May 2025 - 3 June 2025 HSBC Apple iPad Pro M4 Flash Deal See full list
19 May 2025 - 26 May 2025 HSBC RM5,555 Touch ‘n Go E-Wallet Credit Flash Deal See full list
19 May 2025 - 9 June 2025 RHB Apple iPhone 16 Pro Flash Deal See full list
19 May 2025 - 26 May 2025 UOB Apple iPad Pro M4 Flash Deal See full list
13 May 2025 - 19 May 2025 UOB RM3,500 Touch 'n Go E-Wallet Credit Flash Deal See full list
13 May 2025 - 19 May 2025 HSBC Apple iPhone 16 Pro Max Flash Deal  See full list
5 May 2025 - 13 May 2025 UOB Apple iPad Air M3 + Apple Pencil Flash Deal See full list
5 May 2025 - 13 May 2025 HSBC Apple iMac M4 Flash Deal See full list
29 April 2025 - 20 May 2025 RHB Samsung Galaxy S25 Flash Deal See full list
28 April 2025 - 5 May 2025 UOB Apple iPhone 16 Flash Deal See full list
28 April 2025 - 5 May 2025 HSBC RM3,500 Touch ‘n Go E-Wallet Credit Flash Deal See full list
22 April 2025 - 28 April 2025 UOB RM4,800 Touch 'n Go e-Wallet Credit Flash Deal See full list
21 April 2025 - 28 April 2025 HSBC Apple AirPods Max Flash Deal See full list

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