UOB ONE Card
Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo)
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
UOB Bank UOB ONE Card overview
The UOB Bank UOB ONE Card is a Card-tier Visa cashback card built around cashback. Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo). It best suits middle-income earners, with a minimum income requirement of RM36,000 a year. It has an annual fee of RM195 (waived with rm20,000/yr spend (1-year waiver for new cards)).
Features & benefits
- ✓Up to 10% cashback on petrol, groceries, dining & Grab (capped RM15/category/mo)
- ✓Requires min. RM1,500/mo retail spend to unlock 10% (ONE Platinum tier)
- ✓0.2% unlimited cashback on all other retail spend
- ✓RM195/yr annual fee, waived with RM20,000 annual spend
Is the UOB ONE Card worth it?
The UOB ONE 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 (waived with rm20,000/yr spend (1-year waiver for new cards))
- +Up to 10% cashback on best tiered cashback
- −RM195 annual fee unless the waiver condition is met
- −Cashback capped at RM15 a month
- −Top cashback applies only to specific categories (best tiered cashback)
- −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
Before you apply, read UOB Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official UOB ONE Cardterms & product disclosure →UOB ONE 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 RM195, but it can be waived: waived with rm20,000/yr spend (1-year waiver for new cards).
It earns up to 10% cashback on best tiered cashback, capped at RM15 a month. Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo).
No — the UOB ONE 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 "Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo)". Weigh the RM195 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the UOB ONE Card compares
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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.
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Live · last activity 29 Jun 2026