UOB Debit Card

What Is the UOB Debit Card About?

The UOB Debit Card is your indispensable all-in-one ATM and payment tool. It’s designed for superior convenience and high flexibility, linking directly to your UOB Savings or Current Account to ensure responsible, spend-within-your-means financial management, complemented by global acceptance.

What Benefits Do I Get?

Instant Contactless Payment: Use the contactless feature for quick and easy day-to-day purchases (PIN needed for transactions above RM250 or upon cumulative limit being reached).
High Transaction Limits: Adjust your maximum daily spending and transfer limits up to RM30,000 for Interbank Transfers and RM10,000 for POS/Online transactions, depending on your needs.
Regional Free Access: Automatically perform cash withdrawals and balance enquiries at UOB Group ATMs in Singapore, Indonesia, and Thailand without incurring withdrawal fees from UOB.
Worldwide Acceptance: Accepted at all Mastercard retail establishments and ATMs worldwide (requires opt-in for overseas/online use).
Exclusive Deals: Access a wide variety of curated discounts and privileges across dining, shopping, and travel as a valued UOB Cardmember.

Any Other Features?

Affordable Annual Fee: The standard annual fee is a low RM8.00, which is automatically waived for Privilege Banking and Wealth Banking customers.
Limit Adjustment Flexibility: You can conveniently adjust your debit card transaction limits (POS, online, ATM) by visiting any UOB branch.
Required Opt-in for Global Use: To protect you, overseas merchant purchases or any online/mail-order/telephone-order purchases must be enabled via opt-in (Contact Centre, UOB TMRW app, or branch).
Cumulative Limit Reset: The contactless transaction limit of RM1,250 is reset instantly anytime you perform a PIN-based transaction.

What Are the Fees Associated With This Card?

Annual Fee / Issuance Fee (Generic Card): RM8.00
Lost/Stolen/Damaged Card Replacement Fee (Generic Card): RM8.00
Cash Withdrawal at UOB Group ATM (Local & Regional): Free (Waived for all card types)
Cash Withdrawal at MEPS ATM (Domestic): RM1.00 per cash withdrawal (Fee waived for Privilege/Wealth Banking cards)
Cash Withdrawal at Mastercard Network ATM (Overseas): RM12.00 per cash withdrawal
Overseas Transaction Conversion Fee: Mastercard rate + 1.00% administration cost levied by UOB.

What Are the Transaction Limits?

These represent the maximum daily limits you can set, along with the default limits:

Point-Of-Sales (POS) & Online Purchases (Domestic/Overseas): Maximum limit up to RM10,000.00 (Default is RM3,000.00).
ATM Cash Withdrawal: Maximum limit up to RM10,000.00 (Default is RM10,000.00).
Instant Interbank Fund Transfer (via ATM/MEPS): Maximum limit up to RM30,000.00 (Default is RM10,000.00).
Cumulative Contactless Limit (without PIN): The limit is RM1,250.00 before a PIN transaction is required.

Who Is Eligible to Apply?

Minimum Age: Applicant must be 18 years old and above.
Account Requirement: You must hold a linked personal or joint UOB Savings or Current Account (conventional or Islamic).
Identification: Applicants must be Malaysian citizens with a New NRIC (MyKad) issued post April 2012 (with ghost image).