Apply For UOB Credit Cards Online

United Overseas Bank Malaysia or UOB Malaysia is a subsidiary of United Overseas Bank Limited and was incorporated in 1993 with an aim to be a leader in consumer and commercial banking services in the region.


List of the best Credit Cards by UOB Malaysia

UOB is a multinational bank with 40+ Branches. They offer 9 different Credit Cards, 1 Personal Loan and 3 Mortgages.

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UOB Credit CardAnnual fee for principal cardAnnual fee for supplementary card
Visa Infinite CardRM 600RM 300
Lady’s Solitaire CardRM 300RM 30
Preferred Platinum Mastercard RM 198RM 30
PRVI Miles Visa CardRM 198RM 30
ONE Platinum CardRM 168RM 30
Lady’s Platinum CardRM 128RM 30
Lady’s CardRM 68RM 30
ONE CardRM 68RM 30
YOLO CardRM 90 (RM7.50/month)RM 30
  • annual fee for Visa Infinite Card is waived upon spending of RM50,000/year and more
  • annual fee for Lady’s Solitaire MasterCard is waived upon spending of RM30,000/year and more
  • RM7.50/month fee for YOLO Card is waived upon a minimum of 1 retail transaction made per calendar month

CLICK HERE TO APPLY

Features & Benefits

  • get up to 8% cash back on online and dining spend (up to RM600 per year)
  • enjoy up to 10% cash back on Grab transactions (from 1 May 2019 to 31 January 2020)
  • enjoy movie tickets at only RM5 flat every Friday at GSC (from 5 April 2019 to 3 April 2020)
  • get 0% Overseas Easi-payment Plan  - spend a minimum of RM3,000 (single or accumulated receipts overseas) 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, 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

  • The combined cash back for online and dining spend is rewarded based on the total number of transactions fulfilled in a calendar month (capped at RM50)
  • Total number of transactions in a calendar month: 8 to 15
    • maximum cash back - 5%
    • maximum cash back amount - RM50**
  • Total number of transactions in a calendar month: 16 and above
    • maximum cash back - 8%
    • maximum cash back amount - RM50**
  • **Subject to a total capping of RM120,000 allocated per calendar month, rewarded on a first come, first serve basis, T&C apply

CLICK HERE TO APPLY

Features & Benefits

  • earn 5X UNIRinggit for every RM1 spend on airlines, hotels, travel agencies and overseas (online purchases)
  • earn 10X UNIRinggit for every RM1 spend on online reservations with key travel partners
  • get up to 12X UNIRinggit when you make hotel or flight reservations at Expedia
  • earn up to 10X UNIRInggit for your hotel stays through Booking.com
  • redeem up to 7 Air Miles with AirAsia BIG Points, Asia Miles, Enrich Miles and KrisFlyer for every RM10 spent
  • redeem miles from over 60 partner airlines
  • enjoy 50% off Grab rides to and from the airport with promo code "grabprvi"
  • other exclusive travel privileges from UOB Privileges Passport, enjoy special offers and discounts for your dining, shopping and travelling around the world
  • get to offset your annual fee with UNIRinggit earned
  • 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

CLICK HERE TO APPLY

Features & Benefits

  • earn up to 8% cash rebates and stand to save up to RM638.40 in a year!
  • unlimited cash back on your everyday spend, including on groceries, petrol, phone bills, movies
  • no minimum purchase requirement to receive cash rebates
  • enjoy 10% cash back on Grab rides
  • enjoy up to 15% off when you dine at over 150 selected restaurants nationwide
  • enjoy exclusive travel, leisure, health & beauty discounts and privileges
  • birthday promotion with great savings on ShopBack (from 1 Jan 2019 to 31 Dec 2019)
  • 0% Overseas Easi-Payment Plan
  • 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 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 and UOB ONE Platinum Card


Rebate Category
Cash RebatesMaximum Purchase Amount
Entitled for Cash Rebates

Merchants
WeekdayWeekendONE CardONE
Platinum Card
Petrol1%5%Up to
RM200
per month
Up to
RM400
per month
All petrol stations
Cinema0.2%8%UnlimitedUnlimitedGolden Screen Cinemas
Groceries0.2%2%Up to
RM500
per month
Up to
RM1,000
per month
Tesco, Aeon Big,
Giant, Cold Storage
& Jaya Grocer
Telecommunication0.2%2%Up to
RM200
per month
Up to
RM300
per month
Maxis, Digi
& Celcom
Other Purchases0.2%0.2%UnlimitedUnlimitedOther merchants
not listed above.

CLICK HERE TO APPLY

Features & Benefits

  • earn 1X UNIRinggit reward points for any spend
  • enjoy 10% cash back on fashion purchases every Saturday & Sunday - Fashion Ten
  • enjoy 30% OFF on Advance Facial Treatment and a 15% OFF product discount voucher at Jurlique birthday promotions on your birthday month (1 Jan 2019 - 31 Dec 2019)
  • get 20% OFF with a minimum spend of RM300 in a single receipt at Triumph on your birthday month (1 Jan 2019 - 31 Dec 2019)
  • FREE RM25 ZALORA promo code when you activate and make 1X spend within 60 days from your approval date (1 Jan 2019 - 31 Dec 2019)
  • 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 Mastercard® 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 Mastercard® 
  • other exclusive deals and discounts for dining & entertainment, fashion & shopping, beauty & wellness, travel & lifestyle
  • 20 days interest-free period

Eligibility

  • UOB Lady's Classic Mastercard® - minimum annual income RM24,000
  • UOB Lady's Platinum Mastercard® - minimum annual income RM48,000
  • UOB Lady's Solitaire Mastercard® - minimum annual income RM100,000
  • 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 Classic Mastercard® annual fee
    • principal - RM68
    • supplementary - RM30
  • UOB Lady's Platinum Mastercard® annual fee
    • principal - RM128
    • supplementary - RM30
  • UOB Lady's Solitaire Mastercard® annual fee
    • principal - RM300 (waived upon annual spending of RM30,000 and above)
    • supplementary - RM30 (waived upon annual spending of RM30,000 and above)

Cash Back Amount For Fashion Ten - 10% Cash Back On Sat & Sun (Per Calendar Month)

  • UOB Lady's Classic Mastercard® - minimum spend RM300, maximum cashback RM30
  • UOB Lady's Platinum Mastercard® - minimum spend RM500, maximum cashback RM50
  • UOB Lady's Solitaire Mastercard® - minimum spend RM800, maximum cashback RM80
  • T&C apply: total cash back payout per month is RM135,000, given out based on first-come-first-served basis. Not valid for online purchases.

CLICK HERE TO APPLY

Features & Benefits

  • earn 5X UNIRinggit reward points for overseas spend
  • get 1X UNIRinggit reward points for other spend
  • activate and spend a minimum RM3,000 within 60 days from card approval date to receive a RM50 cash voucher in 32,000 UNIRinggit
  • enjoy 4X complimentary airport limousine ride to KLIA or KLIA2 (1 Jan 2019 - 31 Dec 2019) , T&C apply
  • enjoy 4X per annum complimentary airport lounge access for principal cardholder in selected Asia Pacific airports via Airport Companion by Dragon Pass (1 Jan 2019 - 31 Dec 2019)
  • complimentary limousine services in Singapore
  • 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
  • earn SMART$ rebates at any SMART$ merchant outlet via UOBM terminals
  • travel insurance coverage of up to RM500,000
  • complimentary year-long green fees at selected golf clubs in Malaysia
  • 30% off green fees in more than 20 selected golf clubs in Asia Pacific
  • 0% interest EPP for education, medical fees or luxury purchases of up to RM10,000
  • 0% interest Easi-Payment Plan for overseas spend of RM3,000 and above
  • complimentary UOB Infinite Private Lounge at EmQuartier, Bangkok, Thailand (till 30 November 2019)
  • 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

CLICK HERE TO APPLY

Features & Benefits

  • earn 3X UNIRinggit reward point for overseas spend
  • get 2X UNIRinggit reward point for dining spend
  • earn 1X UNIRinggit reward point for all other spend
  • enjoy 10X UNIRinggit for your hotel stay with Booking.com
  • earn 10X UNIRinggit every day at Expedia (till 31 Dec 2019)
  • enjoy 50% discount on your Grab rides (1 Jan 2019 - 31 Dec 2019) to and from selected international airports in Malaysia, T&C apply
  • 0% Overseas Easi-Payment Plan

Eligibility

  • minimum annual income - RM40,000
  • 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

There are 3 simple ways to apply for 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

Overview

Life is more enjoyable when you have the financial freedom! Get extra cash with 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

Overview

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

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.
  • 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 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.

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

  • 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.

Overview

  • 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

Features

  • Very convenient and time-saving!