• RM
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    • Annual FeeFree*
    • Balance TransferFrom 0% p.a.
    • Easy Payment PlanFrom 0% p.a.
    • Interest Rate15% p.a.
    • Interest-free20 days
    • Min. IncomeRM3,333/month
      • Overview
      • Get 5X UNIRinggit when you spend on dining, grocery and entertainment. Plus, 3X UNIRinggit all year long for your petrol and recurring transactions - no minimum spend and no limitations.

      • Rewards (UOB UNIRinggit)
      • Get rewarded with 5X UNIRinggit for dining, grocery and entertainment spending. Plus, 3X UNIRinggit with every spend on petrol purchases, and recurring payments all year long with UOB Preferred Card.

      • Balance Transfer
      • Get low-interest rates and flexible tenures of up to 18 months when you transfer a minimum of RM1,000 credit card outstanding balance to UOB Preferred Card.

      • Flexible Payments
      • If you like to shop abroad, you can split your purchase for 3 months at 0% interest when you spend the equivalent of a minimum of RM3,000 on a single/accumulated receipt(s) with UOB's Overseas Easi-Payment Plan. Besides that, stretch the payment of your children's education fees to either 6 months or 12 months instalment plans at 0% interest; applicable to single education transactions above RM2,000 and up to a maximum amount of RM10,000. Terms apply.

      • Additional Premium
      • Enjoy a 1-for-1 deal for drinks at the Coffee Bean & Tea Leaf outlets nationwide. Buy any beverages and enjoy one complimentary drink (will be of equivalent value or less) between Monday to Friday. On top of that, if you buy GSC movie tickets online (via website or app) every Friday, you'll get one complimentary ticket too. However, the free ticket is only applicable to standard seats at normal cinemas and is limited to 1 free ticket per transaction per day. Other terms may apply for both privileges.

      • Features
      • CriteriaDetails
        Card TypeMasterCard
        Interest Free Period (Days)20
      • Fee
      • CriteriaDetails
        Min Cash Withdrawal FeeRM20 or 5%
        Annual Fee (RM)198
        Min Late PaymentRM10 or 1% of outstanding amount, up to a maximum of RM100
      • Min Monthly Payment
      • CriteriaDetails
        Min Monthly Payment5% or RM50 of outstanding amount, whichever is higher
      • Easy Payment
      • MonthsInterest Rate (%)Upfront Interest (%)Minimum Amount (RM)Max Amount (RM)
        30-3000-
      • Balance Transfer
      • MonthsUpfront Interest (%)Interest (%)Minimum Amount (RM)
        6301000
        12401000
        18501000
      • Rewards Points Tiers
      • ApplicabilityPointsPer RinggitValidity (Years)
        On dining, grocery, and entertainment spending51-
        On petrol, and recurring transactions31-
      • Annual Percentage Rate
      • CriteriaInterest Rate (%)
        Prompt Repayment every month15
        Prompt Repayment 10 out of 12 months17
        Prompt Repayment of less than 10 out of 12 months18
        Interest rate on cash withdrawal18
      • Supplementary Card
      • CriteriaDetails
        Annual FeeRM30
      • Eligibility
      • CriteriaDetails
        Minimum Age21
        Who Can ApplyAnybody