• 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. IncomeRM5,000/month
      • Overview

      • 12X UNIRM on selected e-commerce spending and e-wallet top-ups, 5X UNIRM on selected departmental stores and overseas spending, complimentary access to Plaza Premium Lounge and personal accident coverage.

      • Rewards (UOB UNIRinggit)

      • Get 12X UNIRM when you spend on selected e-commerce and reload selected e-wallets. Spending on participating departmental stores and supermarkets/hypermarkets, as well as overseas earns you 5X UNIRM. Meanwhile, spending on other local transactions gets you 1x UNIRM. If you manage to spend RM48,000 and above per year, you'll be rewarded with 125,000 UNIRM as a bonus! Collect as many UNIRM as you can and redeem them with items from the UNIRinggit Rewards catalogue.

      • Travel

      • Enjoy 6X complimentary access per calendar year to Plaza Premium Lounge at KLIA1 or KLIA2. Only 1 admission is allowed per day, subject to availability at the lounge. Travel with peace of mind knowing that you will be covered with complimentary overseas personal accident coverage worth RM50,000 which includes purchase protection. Terms apply!

      • Balance Transfer

      • Are you still paying the maximum 18% p.a. on your credit card bills each month? Transfer your debt now at low-interest rates for up to 18 months with UOB Balance Transfer plans.

      • Flexible Payments

      • Convert your purchases made at participating merchants with UOB easy payment plans and enjoy low-interest rates and longer repayment tenures.

      • Features
      • CriteriaDetails
        Card TypeMasterCard
        Interest Free Period (Days)20
        Airport Lounge AccessYes
      • Fee
      • CriteriaDetails
        Min Cash Withdrawal FeeRM20 or 5%
        Annual Fee (RM)600
        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)
        302.99500-
        602.99500-
        128.15-500-
        248.15-500-
        368.15-500-
        488.15-500-
        608.15-500-
      • Balance Transfer
      • MonthsUpfront Interest (%)Interest (%)Minimum Amount (RM)
        6301000
        12401000
        18501000
      • Rewards Points Tiers
      • ApplicabilityPointsPer RinggitValidity (Years)
        On selected e-commerce spend (iTunes) and e-wallet top-ups (Boost, Touch 'n Go and BigPay)121-
        On selected departmental stores and supermarkets/hypermarkets51-
        On overseas transactions51-
        On local transactions11-
      • Travel Insurance
      • CriteriaAmount (RM)
        Lost Luggage Compensation-
        Travel Insurance Coverage-
        Delayed Luggage Compensation-
        Delayed Flight Compensation-
        Personal Accident Coverage50,000
        Missed Flight Connection Compensation-
      • 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 FeeRM150
        Minimum Age (Years)18
      • Eligibility
      • CriteriaDetails
        Minimum Age21
        Who Can ApplyAnybody