UOB World Card
Earn up to 12X UNIRM on spend, with complimentary Plaza Premium Lounge access at KLIA1.
Get a Apple MacBook Pro M5 worth RM 8,299when you apply with CompareHero*
* T&Cs apply
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
Documents 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
Waived when you're a New To Bank customer for the first year (campaign ends 31 December 2026)
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Earn 12X UNIRM on selected e-commerce spend (iTunes) and e-wallet reload (TnG, Boost and BigPay) capped at RM300 per merchant. 1X UNIRM for every RM1 applies after the cap. Also, earn 5X UNIRM on supermarket/hypermarket, selected department store and overseas spend. Capped conditions apply. Get bonus points of 125,000 UNIRM when you make an annual spend of RM48,000 and above
Enjoy 6X complimentary yearly access to Plaza Premium Lounge with exclusive private lounge access at KLIA1 (1X access per day, subject to availability). Principal cardholders will no longer have complimentary access to the Plaza Premium Lounge at KLIA Terminal 2, as it will be discontinued, while supplementary cardmembers will no longer be able to enjoy complimentary access to any airport lounges. Get a Complimentary overseas personal accident coverage of up to RM300,000 (includes purchase protection).
UOB Easy Payment Plans convert purchases made at participating merchants into instalments with low interest rates and longer repayment tenures.
UOB Balance Transfer offers new UOB cardholders 0% one-time upfront handling fees for 6 months and 1% for 12 months. UOB Balance Transfer Instalment offers fixed interest rates of 2.99% per annum for new cardholders, with repayment tenures of 24 or 36 months. The minimum transfer amount is RM1,000, up to 80% of the cardholder's credit limit, whichever is lower.
Benefits
| UNIRM | Spend Categories | Capped Amount |
| 12X UNIRM per RM1 | Selected e-commerce (iTunes) and e-wallet reload (TnG, Boost and BigPay) | RM300 per merchant1X UNIRM for every RM1 spend after the cap |
| 5x UNIRM per RM1 | Supermarket/hypermarket and selected department stores | RM3,0001X UNIRM for every RM1 spend after the cap |
| 5x UNIRM per RM1 | Overseas | RM24,000 (per year)1X UNIRM for every RM1 spend after the cap |
| 1x UNIRM per RM1 | Local | None |