UOB ONE Card
Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo)
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
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
The catches most people miss on the UOB ONE Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Alimony/child support, bail/bond, balance transfers, cash withdrawals, charity/religious payments, Easi-Payment/Flexi Credit Plans, government transactions (incl. utility bills & postal services, excluded eff. 31 Oct 2025), Instalment Payment Plan purchases, Liberty insurance, credit-shield premiums, fees/interest/charges, refunded/disputed/fraudulent transactions, e-wallet top-ups except GrabPay, JomPay, and Personal Internet Banking payments.
- Min spend to earn
- RM1,500+ in a statement month unlocks the 10% rate on Petrol/Groceries/Dining/Grab; below that, all categories (incl. this one) earn only the base 0.2%.
- How the cap works
- RM15 max cash rebate per rebate category (Petrol/Groceries/Dining/Grab) per statement month; Other Retail Spend earns 0.2% uncapped. Categories are MCC-code-gated — e.g. Petrol = MCC 5541/5542 only, Dining = MCC 5812/5814 only, Groceries = a named-merchant list (AEON, Jaya Grocer, Lotus's, Mydin, etc.) within MCC 5411, Grab = specific in-app services (rides/GrabFood/GrabMart/GrabPay/etc.) each under its own MCC.
- Foreign transaction fee
- Converted at UOB's prevailing FX rate plus an administration charge of up to 1.22% levied by Visa/Mastercard International, plus a 1.00% foreign exchange conversion markup levied by UOB — per UOB Malaysia's Credit Card Fees & Charges table (same general schedule as the Simple Card entry above).
- ⚠Cancelling the card, converting it to another UOB card, or letting the account go delinquent forfeits all accumulated (even not-yet-credited) cash rebate
- ⚠A transaction posting on the statement cycle's cut-off day itself (e.g. the 8th, if that's your cycle date) rolls into NEXT month's Minimum Retail Spend calculation, not the current one — can unexpectedly cost you the 10% tier near month-end
- ⚠Supplementary cardmember spend counts toward the principal's Minimum Retail Spend, but all rebates are credited to the principal's account only
Verified 24 August 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 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
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.
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Live · last activity 29 Jun 2026