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Best UOB Credit Cards

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  • UOB ONE Card
    Unlimited 0.2% cashback on other retail spend

    UOB ONE Card

    Min. Monthly Income
    RM 3,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    Put money back into your pocket with the UOB ONE Card, a credit card that earns you up to 10% cashback for your petrol, dining, selected grocers and Grab spending.

  • UOB Simple Card
    No late payment charges

    UOB Simple Card

    Min. Monthly Income
    RM 2,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free
    Rewards Rate
    N/A

    Get 10% cashback on finance charges on purchases and cash advances every month when you pay the minimum monthly payment due on time. No capping on the cashback earnings and no annual fees for life.

  • UOB EVOL Card
    Annual fee waiver upon 1X retail transaction

    UOB EVOL Card

    Min. Monthly Income
    RM 3,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    Enjoy up to 10% cashback and up to 5X UNIRinggit when you use UOB EVOL Card. Plus, enjoy great deals, discounts and an annual fee waiver.

  • UOB World Card
    Bonus 125,000 UNIRM when you spend RM48,000 yearly

    UOB World Card

    Min. Monthly Income
    RM 5,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    12X UNIRM on selected e-commerce spending and e-wallet top-ups, 5X UNIRM on selected departmental stores and overseas spending, complimentary access to Plaza Premium Lounge and personal accident coverage.

  • UOB Preferred Card
    1-for-1 deals and earn up to 10X UNIRM

    UOB Preferred Card

    Min. Monthly Income
    RM 3,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    Get 10X UNIRinggit spent on streaming platforms and 5X UNIRM on dining, grocery and entertainment. Plus, 3X UNIRM all year long for your petrol and recurring transactions.

  • UOB Visa Infinite Card
    10X UNIRM for every RM1 spent overseas

    UOB Visa Infinite Card

    Min. Monthly Income
    RM 10,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    Catered to the affluent segment, this card offers lifestyle and travel privileges such as complimentary airport limousine service, airport lounge access and travel insurance coverage. In addition, receive up to 5X for every RM1 spent on local dining and 10X UNIRinggit for every RM1 spent overseas.

  • UOB PRVI Miles Card
    5X UNIRM for overseas spend

    UOB PRVI Miles Card

    Min. Monthly Income
    RM 5,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    Enjoy up to 5X UNIRinggit on hotels, airlines, travel agencies and overseas spending. Get exclusive travel deals and up to 50% savings with Grab Rides every month.

  • Lazada UOB Card
    10X UNIRM for Lazada & Lazada wallet spend

    Lazada UOB Card

    Min. Monthly Income
    RM 2,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    Shop on the Lazada app or reload your Lazada Wallet to get rewarded with 10X UNIRM, including 5X UNIRM on selected categories.

  • UOB Platinum Business Card
    Up to RM1 million travel insurance

    UOB Platinum Business Card

    Min. Monthly Income
    RM 3,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    Earn unlimited 1.2% cashback for overseas spending, 0.25% cashback on local spend and 0.2% cashback for JomPay and utility spending.

  • UOB Lady's Card
    5X UNIRM on groceries spend

    UOB Lady's Card

    Min. Monthly Income
    RM 5,000 / month
    Interest Rate
    15% p.a.
    Annual Fee
    free *
    Rewards Rate
    N/A

    An exclusive ladies-only credit card that rewards you with up to 10X UNIRinggit reward points for fashion and grocery spending. Plus, 0% EPP for luxury item purchases for you to enjoy!

Showing 1 - 10 of 13 results

More Information

UOB Credit Card Annual Fee Comparison

• Annual fee for Visa Infinite Card is waived when you're a new-to-bank customer (valid till 31 Dec 2026), and upon spending RM50,000/year and more
• Annual fee for Lady’s Solitaire Mastercard is waived when you're a new-to-bank customer (valid till 31 Dec 2026), and upon spending RM50,000/year and more
• RM7.50/month fee for EVOL Card is waived when you're a new-to-bank customer (valid till 31 Dec 2026), and upon a minimum of 1 retail transaction made per calendar month

UOB Credit CardMin. annual
income
required		Annual fee
for
principal card
Annual fee
for
supplementary card
Lady’s Solitaire CardRM 120,000RM 300RM 30
PRVI MilesRM 60,000RM 198RM 30
ONE CardRM 36,000RM 195RM 100
Lady’s CardRM 60,000RM 128RM 30
EVOL CardRM 36,000RM 90RM 30
Visa Infinite CardRM 120,000RM 600RM 300
Preferred CardRM 36,000RM 198RM 30
World CardRM 60,000RM 600RM 150

UOB EVOL Card

Features & Benefits

• get up to 8% cashback on Sustainable Merchants spend (up to RM50 per month)
• get up to 5% cashback on entertainment, online and contactless parking spend (up to RM50 per month)
• get 0% Easi-Payment Plan - any foreign currency spend for a minimum of RM3,000 (single or accumulated receipt/s) and convert to 3 monthly repayments at 0% interest, T&C apply
• pay with just a wave, built-in visa contactless payment feature
• exclusive UOB discounts and privileges for dining, shopping, health & beauty, travel & lifestyle
• 20 days interest-free period

Eligibility

• minimum annual income - RM36,000
• minimum age - 21 years old (principal cardholder)
• minimum age - 18 years old (supplementary cardholder)

Fees & Charges

• interest rates - 15% p.a. - 18% p.a.
• minimum monthly repayment - 5% of the outstanding balance or a minimum of RM50, whichever is higher
• late payment fee - 1% of the outstanding balance or RM10, whichever is higher up to RM100
• principal card annual fee - RM90 per annum (1st year waiver and a subsequent monthly fee of RM7.50 is waived upon 1 retail transaction per calendar month)
• supplementary card annual fee - RM30 per annum (2 years waiver)
• cash advance rates - 18% p.a. calculated on a daily rest basis
• cash advance fee - 5% or RM20 per withdrawal, whichever is higher
• balance transfer rates - 18% p.a.
• over limit fee - N/A
• annual service tax - RM25

Cash Back Tiers

• Tier 1
  • Minimum spend: RM 1,000
  • Maximum cashback: RM30 for all spend, RM15 for e-wallet transactions

• Tier 2
  • Minimum spend: RM 2,000
  • Maximum cashback: RM50 for all spend, RM15 for e-wallet transactions

Reference
UOB EVOL Credit Card Terms & Conditions

UOB EVOL BenefitsDetails of Benefits
CashbackMaximum 8% cashback on sustainable merchants, online and dining spend.
Maximum 5% cashback on online, entertainment and contactless parking spend.
Cashback eligibilityTier 1 - minimum spend of RM1,000/month
Tier 2 - minimum spend of RM2,000/month
Maximum monthly cashbackTier 1 - RM30
Tier 2 - RM50

UOB PRVI Miles

Features & Benefits

• earn 5X UNIRinggit for every RM1 spend on airlines, hotels, travel agencies and overseas (online purchases)
• receive additional 2,000 UNIRinggit points when you make at least 3 retail purchases worth RM10 or more per month
• enjoy 50% off Grab rides to and from the airport with promo code "PRVIRIDE"
• enjoy 0% Easi-Payment Plan for Education and Overseas spend
• other exclusive travel privileges from UOB Privileges Passport, enjoy special offers and discounts for your dining, shopping and travelling around the world
• redeem any rewards of your choice from the UOB UNIRinggit Rewards Catalogue

Eligibility

• minimum annual income - RM60,000
• minimum age - 21 years old (principal cardholder)
• minimum age - 18 years old (supplementary cardholder)

Fees & Charges

• interest rates - 15% p.a. - 18% p.a.
• minimum monthly repayment - 5% of the outstanding balance or a minimum of RM50, whichever is higher
• late payment fee - 1% of the outstanding balance or RM10, whichever is higher up to RM100
• principal card annual fee - RM198
• supplementary card annual fee - RM30
• cash advance rates - 18% p.a. calculated on a daily rest basis
• cash advance fee - 5% or RM20 per withdrawal, whichever is higher
• balance transfer rates - 18% p.a.
• over limit fee - N/A
• annual service tax - RM25

UOB ONE Card

Features & Benefits

• Up to 10% cashback (capped at RM100 per statement month) on petrol, dining, selected groceries and Grab purchases when you meet the minimum spend requirement of RM500 per statement month
• Up to 0.2% cashback (capped at RM100 per statement month) on petrol, dining, selected groceries and Grab purchases if you don't meet the minimum spend requirement
• Up to 0.2% cashback on all other retail purchases, no minimum spend requirement and no cashback limit
• no minimum purchase requirement to receive cash rebates
• enjoy exclusive travel, leisure, health & beauty discounts and privileges
• 0% Overseas Easi-Payment Plan for overseas (RM3,000 and up) and medical (RM1,000 and up) spend
• 20 days interest-free period

Eligibility

• minimum annual income for UOB ONE Card - RM24,000
• minimum annual income for UOB ONE Platinum Card - RM48,000
• minimum age - 21 years old

Fees & Charges

• interest rates - 15% p.a. - 18% p.a.
• minimum payment - 5% of the outstanding balance or RM50, whichever is higher
• late payment charge - minimum RM10 or 1% of the total outstanding balance, up to a maximum of RM100
• cash advance interest - 18% p.a. calculated daily
• cash advance fee - 5% of the amount withdrawn or minimum RM20, whichever is higher
• credit shield - RM0.65 per RM100 outstanding balance
• annual service tax - RM25 per card

Cash Back Rates for UOB ONE Card

Rebate CategoryCash Rebates (If you don't meet the min. spend requirement)Cash Rebates (If you meet the min. spend requirement)Monthly CapMerchants
Petrol0.2%10%RM 15All petrol stations and Setel CardTerus (non-e-Wallet transactions)
Groceries0.2%10%RM 15Selected groceries and supermarkets like Jaya Grocer, Lotus's, AEON Big and Mercato
Dining0.2%10%RM 15All fast food restaurants and eateries
Grab0.2%10%RM 15Grab Rides, GrabFood, GrabMart, GrabExpress, GrabPay and GrabSubscription
Other Purchases0.2%0.2%UnlimitedOther merchants not listed above

UOB Lady's Card / UOB Lady's Solitaire Card

Features & Benefits

• earn 10x UNIRM rewards points on online or in-store fashion purchases
• enjoy 5x UNIRM rewards points on online or in-store supermarket and overseas or online foreign currency purchases
• get 5x UNIRM rewards points on overseas or online foreign currency purchases for UOB Lady's Solitaire Card
• LuxePay Plan - convert your luxury purchase worth RM2,000 or more into a 6 or 12-month 0% p.a. instalment payment plan
• 0% Overseas Easi-Payment Plan - spend in any foreign currency of at least equivalent to RM3,000 in a single or accumulated receipt(s) and convert to 3 monthly repayment at 0% p.a. interest
• travel protection coverage up to RM500,000 for UOB Lady's Solitaire Card principal or supplementary cardmember, spouse and child
• 30-days purchase protection plan up to RM30,000 coverage against theft or accidental damage for purchases made with your UOB Lady's Solitaire Card
• other exclusive deals and discounts for dining & entertainment, fashion & shopping, beauty & wellness, travel & lifestyle
• 20 days interest-free period

Eligibility

• UOB Lady's Card - minimum annual income RM60,000
• UOB Lady's Solitaire Card - minimum annual income RM120,000
• exclusively for ladies
• minimum age for principal cardholder - 21 years old
• minimum age for supplementary cardholder - 18 years old

Fees & Charges

• interest rates - 15% p.a. - 18% p.a.
• minimum payment - 5% of the outstanding balance or RM50, whichever is higher
• late payment charge - RM10 or 1% of the total outstanding balance, whichever is higher, capped at RM100
• cash advance rates - 18% p.a. daily interest
• cash advance fees - 5% of the amount withdrawn or minimum RM20, whichever is higher
• credit shield - RM0.65 per RM100 of outstanding balance
• annual service tax - RM 25 per card

• UOB Lady's Card annual fee
  • principal - RM128 (waived upon annual spending of RM20,000 and above)   • supplementary - RM30

• UOB Lady's Solitaire Card annual fee
  • principal - RM300 (waived upon annual spending of RM50,000 and above)
  • supplementary - RM30

UOB Visa Infinite Card

Features & Benefits

• earn 8X UNIRinggit rewards points for overseas spend
• get 5X UNIRinggit rewards points for dining spend
• activate your UOB VISA Infinite Card and spend a minimum of RM5,000 within 60 days from card approval date to receive 50 UNIRinggit
• enjoy 12 complimentary limousine services to KLIA when you spend RM5,000 in 30 days using your UOB VISA Infinite Card
• 20% off TBR Luxury Airport Transfer Service (Overseas)
• 25% off fast track immigration speed pass at over 450 international airports
• up to 20% discount at over 200 airport dining outlets
• redeem 2X Air Miles during your birthday month using UNIRinggit reward points that you have earned, T&C apply
• travel insurance coverage of up to RM500,000
• 0% interest EPP for education, medical fees or luxury purchases of up to RM10,000 with a 12 month repayment term
• 0% interest Easi-Payment Plan for overseas, hotels, travel agencies and airline spend of RM3,000 and above with a 3 month repayment term
• Visa Infinite Concierge Services
• redeem any reward of your choice with UNIRinggit including dining vouchers, shopping vouchers, air miles, annual fee waiver and more!

Eligibility

• minimum annual income - RM120,000
• minimum age - 21 years old (principal card)
• minimum age - 18 years old (supplementary card)

Fees & Charges

• principal card annual fee - RM600 (waived upon annual spending of RM50,000 and above)
• supplementary card annual fee - RM300 (waived upon annual spending of RM50,000 and above)
• interest rates - 15% p.a. - 18% p.a.
• minimum monthly repayment - 5% of the outstanding balance or a minimum of RM50, whichever is higher
• late payment fee - 1% of the outstanding balance or RM10, whichever is higher up to RM100
• cash advance rates - 18% p.a. calculated on a daily rest basis
• cash advance fee - 5% or RM20 per withdrawal, whichever is higher
• balance transfer rates - 18% p.a.
• over limit fee - N/A
• annual service tax - RM25

UOB Preferred Card

Features & Benefits

• get 5X UNIRinggit reward points for dining, entertainment and supermarket spend
• earn 3X UNIRinggit reward point for every petrol and recurring transactions
• 0% Overseas Easi-Payment Plan for a single or accumulated receipt worth at least RM3,000 to convert to a 0% interest 3 month repayment

Eligibility

• minimum annual income - RM36,000
• minimum age - 21 years old (principal card)
• minimum age - 18 years old (supplementary card)

Fees & Charges

• card annual fee - RM198 (principal cardholder)
• card annual fee - RM30 (supplementary cardholder)
• interest rates - 15% p.a. - 18% p.a.
• minimum monthly repayment - 5% of the outstanding balance or a minimum of RM50, whichever is higher
• late payment fee - 1% of the outstanding balance or RM10, whichever is higher up to RM100
• cash advance rates - 18% p.a. calculated on a daily rest basis
• cash advance fee - 5% or RM20 per withdrawal, whichever is higher
• balance transfer rates - 18% p.a.
• over limit fee - N/A
• annual service tax - RM25

Steps to apply for UOB Balance Transfer

There are 3 simple ways to apply for a UOB Balance Transfer:

• Complete the application form, attach a photocopy of your other bank account & card statements and send it via fax or mail to UOB
• Make a phone call to the 24-hour UOB Call Centre
• SMS UOBBT to 66300

Features of UOB Flexi Credit Plan

Life is more enjoyable when you have financial freedom! Get extra cash with the UOB Flexi Credit Plan and enjoy amazingly low rates and flexible repayment plans of up to 24 months.

• Low interest rate at 9.2% per annum
• Fast processing time
• Flexible tenures of up to 24 months

Features of UOB Cash Advance

• Stop worrying and start living your life! UOB Cash Advance offers instant cash anywhere, anytime. It’s so simple and convenient!
• Cash Advance Fee: 5% or RM20, (whichever is higher) for each Cash Advance Withdrawal.

How To Apply for UOB Cash Advance

Bank-to-bank
• Walk in to any other banks' branches and apply for Cash Advance using your credit card.

UOB Personal Internet Banking
• Transfer the fund online from your UOB Credit Card to your UOB savings / current account.

Personal Identification Number (PIN)
• To withdraw money using your UOB credit card at any ATM, you have to use your UOB credit card PIN. You can request for PIN by calling UOB's 24-hour Call Centre.

UOB Easi-Payment Plan

• 0% interest for your shopping
• Enjoy 0% Easi-Payment Plan when you apply for a new UOB Credit Cards with CompareHero.my
• Convert your UOB Card Purchases into easy monthly instalments and enjoy upfront interest as low as 2%. You can even bundle up more than one purchases and convert them to UOB Easi-Payment Plan

Upfront Interest
• 6 months - 2%
• 12 months - 3%
• 18 months - 4%

UOB Malaysia Profile

• UOB offers a variety of products and services, and maintains high global standards for customer service and innovation.
• Under personal banking, customers can choose from a selection of loans, deposits, cards, and investments.
• Business entities can take advantage of its cash management, custody services, merchant, and other global services.
• The bank is well recognized in the industry. In 2014, it received 11 awards from AsiaMoney and the Most Admired ASEAN Enterprise for ASEAN Centricity from ASEAN Business Advisory Council.

Frequently Asked Questions about UOB Credit Cards

What are the finance charges for UOB Cash Advance?
• 18% per annum
• Apply for Cash Advance via ATM
• Simply withdraw cash using your UOB Credit Card at any of UOB ATMs. (PIN required)

How Can I Increase My UOB Credit Card Credit Limit?
• Increase permanently or temporarily; depends on your needs
• Get the maximum benefits out of your Credit Card

  • Plans:
   • Permanent Line Adjustment (PLA) - New credit limit to suit your standard of living purchases
   • Temporary Line Adjustment (TLA) - 30 days for emergencies or to settle last minute purchases

  • Steps to apply for permanent or temporary line adjustments:
   • Step 1: Call UOB's 24-hour Call Centre & request for Permanent / Temporary Line Adjustment.*
   • Step 2: Fax in your three (3) latest income documents to 03-2690 0121.

*Approval is subject to UOB's sole discretion. For limit reduction, you may be in contact with UOB through their Call Centre.

What is UOB Credit Shield Plus?
• Credit Shield Plus is an optional credit card insurance. It gives you the peace of mind in the event of unforeseen circumstances by protecting your financial obligation on the outstanding balance in your credit card account.
• Monthly premium is at only RM0.65 per month for every RM100 outstanding balance. Coverage is FREE for the first 30 days upon approval of your UOB credit card application.

What is UOB Autopay Bill?
• You don’t have to go through the hassle of manually paying your bills every month.
• No more late payment issue. Your bills will be automatically charged to your UOB Credit Card
• Very convenient and time-saving!