UOB Simple Card
No-frills: no annual fee & 10% cashback on finance charges
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
UOB Bank UOB Simple Card overview
The UOB Bank UOB Simple Card is a Card-tier Visa cashback card built around cashback. No-frills: no annual fee & 10% cashback on finance charges. It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It carries no annual fee.
Features & benefits
- ✓No annual fee and no late-payment charges
- ✓10% cashback on finance charges for purchases and cash advances
- ✓No reward points or retail cashback — built for simplicity
Is the UOB Simple Card worth it?
The UOB Simple Card is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Free for life — no annual fee
- +Up to 10% cashback on finance charges (purchases & cash advances) only — no retail cashback
- +Low income requirement — accessible to first-time applicants
- −Top cashback applies only to specific categories (finance charges (purchases & cash advances) only — no retail cashback)
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards specific merchants or categories — check the card's terms for what qualifies. 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 Simple Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Cashback is void for a billing cycle if the Cardmember's net payment is less than that cycle's Minimum Payment Due for any reason (including reversals/stop-payment), if the card/account is cancelled, terminated or suspended, or if the card is converted to any other UOB Malaysia card.
- Min spend to earn
- None in the retail-spend sense — this card earns nothing on ordinary retail spend. Cashback only exists as 10% off Eligible Finance Charges (interest on purchases and cash advances), so it's only earned in a cycle where the prior statement's Minimum Payment Due wasn't paid in full.
- How the cap works
- No cap in the official T&C — the 10% cashback-on-finance-charges has no monthly or annual ceiling stated anywhere in the 4-page Cashback Programme T&C.
- Foreign transaction fee
- 1% UOB foreign-exchange conversion markup on the converted Ringgit Malaysia amount, plus a Visa/Mastercard International administration charge of up to 1.22% — per UOB Malaysia's general Credit Card/Commercial Card PDS (covers the Simple Card by name).
- ⚠This is not a retail cashback card: paying your statement in full every month (the financially sound move) earns zero cashback, since the 10% only rebates finance (interest) charges — a cardholder who never carries a balance will never see a cashback credit
- ⚠Cashback is credited the following statement cycle, and only if that next cycle actually shows Eligible Finance Charges
Verified 5 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 Simple Cardterms & product disclosure →UOB Simple Card FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). UOB Bank also considers your overall credit standing.
No — the UOB Simple Card is free for life with no annual fee.
It earns up to 10% cashback on finance charges (purchases & cash advances) only — no retail cashback. No-frills: no annual fee & 10% cashback on finance charges.
No — the UOB Simple Card is a conventional credit card. Check with UOB Bank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want cashback — its main draw is "No-frills: no annual fee & 10% cashback on finance charges". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the UOB Simple 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.