UOB ONE Card
UOB ONE Card
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.
Get a Touch 'n Go E-Wallet Credit worth RM 300when you apply with CompareHero*
* T&Cs apply
Eligibility
Minimum monthly income
RM 3,000 (RM 36,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Document required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3 months salary slip
- Latest B/BE Form with official tax receipt
- Latest EPF statement
- Latest 3 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
you're a New To Bank customer for the first year (campaign ends 31 December 2026). and spend a minimum of RM20,000 per year (effective 1 January 2026)
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Benefits
- Get up to 10% cashback every month on selected categories such as petrol, dining, selected grocers and Grab spending, provided that you meet the minimum retail spend per statement month as required, capped at RM15 per spend category for UOB ONE Card. Other eligible purchases get you 0.2% cashback, uncapped.
- Protect yourself from fluctuating prices of RON95 and RON97 with the UOB ONE Card. Get 10% cashback on Petrol if you spend a minimum of RM1,500 per statement month. Otherwise, earn 0.2% cashback if you spend less than that.
Product review by CompareHero
Go crazy on your cashback savings with the UOB ONE Card, a platinum credit card designed to give you more savings when you spend on everyday essentials.
Benefits of UOB ONE Card - cashback on daily expenses
Thinking of ways to save while spending? The benefit of a UOB ONE Card is cashback for all your daily essential purchases.
How does it work? See the table below for more details. Note that the minimum spend is RM1,500 monthly and the cashback is also capped at RM15.
| Category | Minimum Retail Spend Per Statement Month Not Met (From RM0 - RM1,499) | Minimum Retail Spend Per Statement Month Is Met (From RM1,500 or above) | Cashback Cap | Participating Merchants |
| Petrol | 0.2% | 10% | RM15 | All petrol stations nationwide & Setel CardTerus (non-E-Wallet transactions) |
| Groceries | 0.2% | 10% | RM15 | AEON BiG, AEON Supermarket, Ben's Independent Grocer, Cold Storage, Econsave, Everise, Giant, Jaya Grocer, Lotus's, Mercato, Mydin, Survay & Village Grocer |
| Dining | 0.2% | 10% | RM15 | Selected merchants within MCC 5812 & 5814 |
| Grab | 0.2% | 10% | RM15 | Grab Rides, GrabExpress, GrabFood, GrabMart, GrabPay & Grab subscription |
| Other Retail | 0.2% | 0.2% | Unlimited | All other merchants not listed above |
Great dining discounts with UOB ONE Card
What’s a credit card without exclusive worldwide perks and privileges?
Dine at over 150 dining outlets across the country with your UOB ONE Card and enjoy fantastic deals and discounts. Click here to find out more.
UOB Personal Internet Banking (PIB)
You'll also enjoy UOB personal online banking — a complimentary service platform where you can just do about everything at any time. Enjoy banking convenience at your fingertips wherever you are.
To apply for Personal Internet Banking (PIB), you must be:
- 18 years old and above
- An individual or joint account holder (with a signatory condition of anyone to sign)
- Have a registered mobile number to receive SMS-OTP (One-Time Password sent via a Short Messaging System)
You can apply for Personal Internet Banking (PIB) via an online application, visit any UOB branch or stop by any UOB ATM.
UOB Balance Transfer Plans
So you’ve accumulated credit card debts and are reluctant to pay high interest rates. UOB offers not one, but two balance transfer plans to help you manage your credit debt.
UOB Balance Transfer gives you the flexibility of 6 or 12-month repayment plans at zero interest rates.
You only need to pay an upfront fee of
- 0% upfront fee for 6 months (new UOB cardholders)
- 1% upfront fee for 12 months (new UOB cardholders)
- 3% upfront fee for 6 months
- 4% upfront fee for 12 months
Or sign up for the UOB Balance Transfer Instalment which comes in:
- 2.99% p.a. fixed interest rates for 24 and 36 months (new UOB cardholders)
- 5.99% p.a. fixed interest rates for 24 months, or 6.99% p.a. for 36, 48, and 60 months
The minimum transfer is RM1,000 or up to 80% of the credit limit/available limit, whichever is lower.
Am I eligible to apply for a UOB ONE Card?
Anybody aged 21 and above with a minimum monthly income of RM3,000 or RM36,000 annually can apply for a UOB ONE Card.
This credit card comes with an annual fee of RM195 for the primary card and RM100 for the supplementary card, without a yearly fee waiver.
Note: In addition, eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 1-year annual fee waiver. Check our page to find out more about the flash deal.
What are the required documents to make an application?
If you are a salaried employee, please prepare:
- A copy of your IC (both sides)
- Latest 3 months' salary slips OR the latest EPF statement
- Latest 6 months' bank statements
- Latest BE form with an official tax receipt
If you are self-employed, please prepare:
- A copy of your IC (both sides)
- A copy of Form 9, 24 & 49 OR Business Registration Certificate
- Latest 6 months' company bank statements
- Latest B form with an official tax receipt