UOB EVOL Card
10% online + 5% e-wallet cashback for digital spenders
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
UOB Bank UOB EVOL Card overview
The UOB Bank UOB EVOL Card is a Platinum-tier Visa cashback card built around cashback. 10% online + 5% e-wallet cashback for digital spenders. It best suits middle-income earners, with a minimum income requirement of RM36,000 a year. It has an annual fee of RM90 (free 1st year; then 1 transaction/month).
Features & benefits
- ✓10% cashback on online spend
- ✓5% cashback on e-wallet top-ups
- ✓Free for life with 1 transaction/month (min RM1,000/mo spend)
Is the UOB EVOL Card worth it?
The UOB EVOL Card is best suited to middle-income earners — its minimum income requirement is RM36,000 a year (about RM3,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Annual fee waivable (free 1st year; then 1 transaction/month)
- +Up to 10% cashback on online & e-wallet
- −RM90 annual fee unless the waiver condition is met
- −Cashback capped at RM15 a month
- −Top cashback applies only to specific categories (online & e-wallet)
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Small RM15/month cap — you'll hit the ceiling quickly. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — UOB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the UOB EVOL Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Excluded from cashback and the minimum-spend count: cash withdrawals, fines, payments to government departments, financial-services transactions (payments to financial institutions, stored-value/e-money top-ups, purchases of financial products) and utility bills.
- Min spend to earn
- RM1,000 retail spend per calendar month to unlock cashback
- How the cap works
- Cashback capped at RM15 each for online spend and e-wallet top-ups per calendar month (RM30 max combined), resetting monthly and credited to the principal cardholder within 60 days of month end.
- Foreign transaction fee
- 1% UOB markup on the converted amount plus a Visa/Mastercard administration charge of up to 1.22%; paying in RM overseas (DCC) instead costs 1% on top of the merchant's rate
- Fee waiver
- RM7.50 per statement month, waived with one retail transaction that month; free for the first 12 months.
- ⚠The card was refreshed on 1 January 2026 (10% online + 5% e-wallet) — older T&C with the previous structure still circulates online
- ⚠Online dining/entertainment purchases count as the Online category, not the dining/entertainment points category
- ⚠Cashback lands the following month, up to 60 days after the calendar month ends
Verified 13 July 2026. Summarised in our own words from UOB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official UOB EVOL Cardterms & product disclosure →UOB EVOL Card FAQ
You need a minimum annual income of RM36,000 (about RM3,000 a month). UOB Bank also considers your overall credit standing.
The annual fee is RM90, but it can be waived: free 1st year; then 1 transaction/month.
It earns up to 10% cashback on online & e-wallet, capped at RM15 a month. 10% online + 5% e-wallet cashback for digital spenders.
No — the UOB EVOL Card is a conventional credit card. Check with UOB Bank for any Islamic (card-i) equivalent.
It's a good fit for middle-income earners who want cashback — its main draw is "10% online + 5% e-wallet cashback for digital spenders". Weigh the RM90 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the UOB EVOL Card compares
This card features in our ranked shortlists — compare it against the best in each category:
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; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.