Credit cards are indispensable tools for managing finances and building a credit history, especially for fresh graduates. United Overseas Bank (UOB) recognizes the unique needs of young professionals and offers a range of credit card solutions tailored to their lifestyles. Let’s explore the top UOB credit cards ideal for fresh graduates according to your goals and key features.
|
Goal |
Card |
Key Feature |
Eligibility |
|
Maximize savings on your daily spends |
Up to 10% cashback selected spending |
Min Monthly Salary: RM2,000 |
|
|
Cater woman's lifestyle |
Up to 10X UNIRM points on women's lifestyle spending |
Min Monthly Salary: RM2,000 |
|
|
Travel the world |
Up to 5% cashback on your foreign spend |
Min Monthly Salary: RM5,000 |
Maximize savings: UOB One Platinum Card
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If you're looking to maximize savings and establish a solid credit history, the UOB One Platinum Card is an excellent choice! This card offers cash rebates and savings on various spending categories, making it an attractive choice for those who are cost-conscious. Its rebate program ensures you get more value from your everyday purchases. The cashback details are as follows:
|
Category |
Cash Rebate |
Capped at |
|
|
Min Retail Spend: RM0-RM1499 |
Min Retail Spend: RM1,500 and above |
||
|
Petrol |
0.2% |
10% |
RM15 |
|
Groceries |
0.2% |
10% |
RM15 |
|
Dining |
0.2% |
10% |
RM15 |
|
Grab |
0.2% |
10% |
RM15 |
|
Others |
0.2% |
0.2% |
Unlimited |
The cashback is typically credited to your account at the end of your billing cycle.
Other Benefits:
- Enjoy a 0% easy payment plan with participating merchants.
- Get your finances sorted with a low-interest balance transfer.
Eligibility:
- Min Monthly Salary: RM2,000.
- Annual Fee: RM195.
Read More: Cashback Credit Card Guide
Empowering Women: UOB Lady's Card
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The UOB Lady's card is designed to cater to the needs of female cardholders. It offers a range of rewards, discounts, and privileges that suit the modern woman's lifestyle. Check out the rewards system:
|
Categories |
UNIRM Rewards Points |
|
Fashion |
10X UNIRM points |
|
Groceries |
5X UNIRM points |
|
Capping per month |
Maximum 8,000 UNIRM per month |
Other Benefits:
- Health coverage is inclusive of female cancer coverage of up to RM200,000.
- 0% Interest Easi-Payment Plan for purchases of fashion designer labels, health and beauty.
Eligibility:
- Min Monthly Salary: RM2,000.
- Annual Fee: RM68.
Globetrotter: UOB PRVI Miles Card
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For the adventurous fresh grad, the UOB PRVI Miles card opens the door to exciting travel opportunities. This card allows you to accumulate UNIRM points that can be used for exciting getaways. With a strong focus on providing air miles and travel benefits, this card is a must for those who dream of exploring the world! Check out the details below:
|
Categories |
UNIRM Rewards Points |
|
Overseas |
5X UNIRM points |
|
Hotels, airlines, travel agencies |
Up to 5X UNIRM points |
|
Other spend |
1X UNIRM point |
Other Benefits:
-
Additional 2,000 Bonus UNIRM when you make a minimum of 3x retail spends per month.
Eligibility:
- Min Monthly Salary: RM5,000.
- Annual Fee: RM198.
Related: 5 Best Travel Credit Cards in Malaysia 2023
All UOB Credit Cards are entitled to enjoy the following benefits:
-
Enjoy low-interest balance transfers for up to 18 months.
|
Duration (months) |
Interest Rate |
Transfer Amount |
|
6 |
0% p.a. + 3% one-time upfront handling fee |
From RM1,000
|
|
12 |
0% p.a. + 4% one-time upfront handling fee |
|
|
18 |
0% p.a. and 5% one-time upfront handling fee |
-
Exclusive discounts and promotions from participating merchants
-
24/7 customer support
Additional tips for choosing the right credit card as a fresh graduate:
-
Consider your spending habits and lifestyle: What are your biggest expenses? What types of rewards are most valuable to you?
-
Compare annual fees and interest rates. Choose a card with a low annual fee and a competitive interest rate, especially if you plan to carry a balance.
By considering your goals and spending habits, you can choose the right card to help you manage your finances, build a credit history, and enjoy exclusive rewards and benefits!
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