UOB World Card
4x UNIRinggit per RM1 on overseas spend
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
UOB Bank UOB World Card overview
The UOB Bank UOB World Card is a World-tier Visa miles card built around air miles. 4x UNIRinggit per RM1 on overseas spend. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It carries no annual fee. Standout perks include complimentary travel insurance.
Features & benefits
- ✓4x UNIRinggit per RM1 on overseas spend
- ✓2x UNIRinggit per RM1 on local spend
- ✓Complimentary travel insurance up to USD250,000
- ✓Annual fee waived with min. RM12,000/yr spend
Is the UOB World Card worth it?
The UOB World Card is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Free for life — no annual fee
- +Complimentary travel insurance
- −Higher income requirement — RM60k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
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 World Cardterms & product disclosure →UOB World Card FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). UOB Bank also considers your overall credit standing.
No — the UOB World Card is free for life with no annual fee.
It earns air miles. 4x UNIRinggit per RM1 on overseas spend.
No — the UOB World Card is a conventional credit card. Check with UOB Bank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want air miles — its main draw is "4x UNIRinggit per RM1 on overseas spend". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the UOB World 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.