UOB World Card
UOB World Card
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.
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Eligibility
Minimum monthly income
RM 5,000 (RM 60,000 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 RM50,000 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 12X UNIRinggit (UNIRM) when you spend on selected e-commerce and reload selected e-wallets. Spending on participating departmental stores and supermarkets/hypermarkets, as well as overseas earns you 5X UNIRM. Meanwhile, spending on other local transactions gets you 1x UNIRM. If you manage to spend RM48,000 and above per year, you'll be rewarded with 125,000 UNIRM as a bonus! Collect as many UNIRM as you can and redeem them with items from the UNIRinggit Rewards catalogue or even offset selected purchases by paying with UNIRM which is accessible through the UOB TMRW mobile app.
- Enjoy 6X complimentary access per calendar year to Plaza Premium Lounge at KLIA1 (also with exclusive access to the private lounge). Only 1 admission is allowed per day, subject to availability at the lounge. Simply present your UOB World Card and a valid boarding pass to access! Please note that complimentary access to the Plaza Premium Lounge at KLIA Terminal 2 will be discontinued and supplementary cardmembers will no longer be able to enjoy complimentary access to any airport lounges. Additionally, travel with peace of mind knowing that you will be covered with complimentary overseas personal accident coverage worth up to RM300,000 which includes purchase protection. Terms apply to both privileges!
Product review by CompareHero
Rewards, privilege and exclusivity are in the eye of the beholder when you have the UOB World Card at your disposal.
Collect UNIRinggit for selected spending
When you sign up for this UOB World Card, you will be rewarded in kind. For every RM1 spent on selected e-commerce transactions such as iTunes, or top-up your favourite e-wallets such as Boost, Touch ‘n Go and BigPay, you will receive 12X UNIRinggit.
Test out the card with a massive shopping spree and see how rewarding it is. Better yet, go on a trip overseas and take it with you. Now for every RM1 spent overseas, you will earn 5X UNIRinggit. If you spend more than RM24,000 annually, you get 1X UNIRM per RM1 spent.
Even if you’re not going overseas there are plenty of opportunities for you to earn UNIRinggit, right here in Malaysia. You can earn 1X UNIRinggit for every RM1 spent.
Meanwhile, get 5X UNIRinggit for every RM1 when you stock up on everyday staples at selected departmental stores and supermarkets/hypermarkets. The more UNIRinggit collected means that you can go crazy with the UNIRinggit Rewards Catalogue and get everything from accessories and home appliances.
On top of that, if you manage to hit RM48,000 worth of spending in a year (or more than that!), you will get 125,000 UNIRinggit as a bonus!
Unbeatable travel perks
Rewards aside, this credit card offers you a whole lot more. If you are travelling overseas, be sure to charge all your expenses and flights to the UOB World Card and get automatic overseas personal accident coverage for you and your supplementary cardholders of up to RM300,000. This coverage also includes purchase protection. Check out the policy here.
Plus, enjoy VIP treatment with 6X complimentary access per calendar year to participating Plaza Premium Lounge in KLIA1 (with exclusive access to the private lounge) and KLIA2 for that extra bit of pampering before you get on a plane. Just present your UOB World Card and a valid boarding pass and you’re good to access the lounge. However, note that you’re only entitled to 1 admission per day, subject to availability at the said lounge.
The world of privilege with UOB World Card
If the card didn’t do enough already, then let’s add on the status of World Mastercard. As the name persists, this card allows you access to the most luxurious hotels worldwide, exquisite dining experiences and travel destinations to die for.
The World Mastercard gives you 24/7 World Mastercard Concierge services for any queries that you might have from anywhere in the world. Also, you have a credit card that is accepted worldwide.
Annual fee and eligibility criteria of a UOB World Card
The UOB World Card does as its name implies and has outstanding rewards. For a small annual fee of RM600 for the principal card, you too can enjoy its perks. Meanwhile, the supplementary card is subject to an annual fee of RM150.
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.
You must also have an annual income of RM60,000 or RM5,000 per month and be aged 21 years old or above to enter the World Card universe.
Required documents to apply for a UOB World Card
Before you hit the Apply Now button above, please prepare the following documents.
For Malaysians who are salaried employees:
- Copy of your IC (front and back)
- Latest 3 months' salary slip
And any of the following documents:
- Latest Form B/BE (supported with tax payment receipt)
- Latest EPF statement
- Latest 3 months' bank statements
- Latest BE Form with a tax receipt
For Malaysians who are self-employed:
- Copy of your IC (front and back)
- Photocopy of Business Registration Form
- Latest BE Form with a tax receipt
- Latest 6 months' bank statement (showing business turnover)
For foreigners who are salaried employees:
- Copy of Passport and
- Latest 2 months' salary slip
- Work permit valid for at least one (1) year at the time of application and
- Letter of employment