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 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 Zenith Card, UOB Visa Infinite Card, UOB PRVI Miles Elite Card, UOB PRVI Miles 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 5 January 2026 until 3 February 2026, subject to the campaign's terms and conditions.
How to be eligible for the gift?
For UOB Zenith Card, UOB Visa Infinite Card, UOB PRVI Miles Elite Card, UOB PRVI Miles 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 Zenith Card
- UOB Visa Infinite Card
- UOB PRVI Miles Elite Card
- UOB PRVI Miles 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
Having been rebranded from UOB YOLO Visa Card to 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.
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 also 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 generally 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 RM15 maximum monthly cap, whereas the EVOL Card rewards RM30 as the 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 (UNIRM) 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 10x 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 points
With every UNIRinggit, and if you 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 UOB credit card to another.
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.
UOB TMRW: Smarter Banking with UOB Credit Cards
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.
With secure biometric login and multi-layer encryption, your personal and financial data stay protected. First-time users can also enjoy special welcome bonuses, promotions, and exclusive UOB credit card benefits, including dining, shopping, and travel perks. Compare UOB credit cards on RinggitPlus to find the best one for your needs, then apply instantly through UOB TMRW for a smooth, hassle-free experience.
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 Plans
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 the UOB Balance Transfer or up to 60 months with the UOB Balance Transfer Instalment.
Additionally, there’s also an ongoing promotion whereby you can enjoy the benefits of lower interest rates and one-time upfront payments. The minimum transfer is RM1,000 or up to 80% of the credit limit/available limit, whichever is lower. See below for details.
- UOB Balance Transfer: Enjoy 0% and 3% one-time upfront handling fees over 6 months for new and existing UOB credit card holders, respectively.
- UOB Balance Transfer Instalment: Fixed 2.99% p.a. interest for new cardholders, while existing cardholders get as low as 5.99% p.a. interest. Choose from over 24, 36, 48, and 60 months of repayment period.
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 the 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 the 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 the UOB 24-hour Call Centre and faxing 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 if you have a history of inconsistent repayments and lower interest rates if you are prompt in repayments.
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 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.
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.
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 will have to be at least 18 years old.
Minimum 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 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.
| DOCUMENTS FOR UOB CREDIT CARD APPLICATION | ||
|---|---|---|
| Salaried Employee | Self-Employed | Foreigners/Expats |
|
✔ 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.
What are the best UOB Credit Cards in Malaysia 2026?
UOB Visa Infinite Card - Best UOB credit card for travel
The asking price for luxury is often steep, which is why few can 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 - Best UOB credit card for cashback
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 - Best UOB credit card for petrol & groceries
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 - Best UOB credit card for shopping
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 - Best UOB credit card for air miles
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 hotel, airline, and travel agencies transactions.
UOB Preferred Card - Best UOB credit card for privilege
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.
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.
