Top UOB Credit Cards For Fresh Grads

Fatin Haris

Fatin Haris

Last updated 30 October, 2023

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

UOB One Platinum Card

Up to 10% cashback selected spending

Min Monthly Salary: RM2,000

Annual Fee: RM195

Cater woman's lifestyle

UOB Lady's Card

Up to 10X UNIRM points on women's lifestyle spending

Min Monthly Salary: RM2,000

Annual Fee: RM68

Travel the world

UOB PRVI Miles Card

Up to 5% cashback on your foreign spend

Min Monthly Salary: RM5,000

Annual Fee: RM198

 

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
(per RM1)

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
(per RM1)

Overseas

5X UNIRM points 

Hotels, airlines, travel agencies

Up to 5X UNIRM points
* Combined spend amount capped at RM5,000

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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FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

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