UOB Bank Credit Cards
Last updated 19 August 2026 · Reviewed by Raymond, Rates.my
UOB Bank credit cards overview
UOB Bank offers 10 credit cards listed here, spanning cashback, rewards points and air miles. 2 of them are free-for-life with no annual fee. Entry-level eligibility starts from a minimum income of RM24,000 a year. The headline pick is the UOB ONE Card — up to 10% cashback on petrol, groceries, dining & grab (cap rm15/category/mo). Compare every UOB Bank card below by reward type, annual fee and income requirement, then read full reviews before you apply.
All UOB Bank credit cards
Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo)
10x UNIRM per RM1 on fashion, 5x on groceries
5x UNIRM per RM1 overseas spend (up to RM24,000/yr), plus 12x on e-commerce/e-wallet
12x lounge visits/year + up to 50% relationship bonus points
10x UNIRM per RM1 overseas spend (≈0.83 miles/RM1)
Metal card — unlimited lounge + RM1m travel insurance
No-frills: no annual fee & 10% cashback on finance charges
10% online + 5% e-wallet cashback for digital spenders
Up to 12x UNIRM overseas + 8 lounge visits/year
How to apply for a UOB Bank credit card
Apply online via the UOB Bankwebsite or banking app, or at any branch. You'll generally need to be at least 21 (supplementary cards from 18), meet the card's minimum annual income of RM24,000 or more, and provide your MyKad (or passport for non-residents), your latest payslips or EA form, and recent bank statements or your BE form if self-employed. Approval and the final credit limit are at UOB Bank's discretion. Not financial advice.
UOB Bank credit cards FAQ
Our top UOB Bank pick is the UOB ONE Card — up to 10% cashback on petrol, groceries, dining & grab (cap rm15/category/mo). The best card for you depends on where you spend: compare the cashback, rewards and fees in the list above against your own habits.
2 cards are free-for-life: UOB Lady's Card, UOB Simple Card. Always confirm the latest fee terms with UOB Bank, as waiver conditions can change.
Entry-level UOB Bank cards start from a minimum annual income of about RM24,000 (roughly RM2,000/month). Premium cards require more — each card's exact requirement is shown above.
The UOB Bank cards listed here are conventional. Check with UOB Bank directly for any Shariah-compliant card-i options.
Apply online at the UOB Bank website or app, or at a branch. You'll typically need to be at least 21, meet the card's minimum income, and provide your MyKad (or passport), latest payslips or EA form, and recent bank statements or BE form if self-employed.
Yes — for example the UOB ONE Card: Up to RM138 cashback — RM88 for RM200 retail spend in 60 days (to 31 Dec 2026) + up to RM50 more for setting up 1 eligible recurring payment within 60 days (that add-on ends 31 Aug 2026); plus 1-year annual fee waiver — official UOB welcome offer Sign-up promotions are time-limited and have terms; confirm the current offer with UOB Bank before applying.
Rates, fees and promotions are indicative and time-limited — always confirm current terms with UOB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by UOB Bank; the bank's name and card names/logos belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.