UOB World Card
5x UNIRM per RM1 overseas spend (up to RM24,000/yr), plus 12x on e-commerce/e-wallet
Last updated 22 September 2026 · Reviewed by Raymond, Rates.my
UOB World Card overview
The UOB Bank UOB World Card is a World-tier Mastercard miles card built around air miles. 5x UNIRM per RM1 overseas spend (up to RM24,000/yr), plus 12x on e-commerce/e-wallet. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM600 (waived with min. rm50,000/yr spend (effective 1 jan 2026)). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓5x UNIRM per RM1 on overseas spend (combined cap RM24,000/yr, then 1x)
- ✓12x UNIRM on e-commerce & e-wallet reload (TnG, Boost, BigPay, iTunes; capped RM300/merchant, then 1x)
- ✓5x UNIRM on Everyday Spend at department stores & supermarkets (capped RM3,000 combined, then 1x)
- ✓1x UNIRM on other local spend
- ✓Bonus 125,000 UNIRM with annual spend of RM48,000 and above
- ✓6 complimentary airport lounge visits/yr
- ✓Annual fee waived with min. RM50,000/yr spend (from 1 Jan 2026)
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.
- +Annual fee waivable (waived with min. rm50,000/yr spend (effective 1 jan 2026))
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −RM600 annual fee unless the waiver condition is met
- −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
The catches most people miss on the UOB World Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No UNIRM on: balance transfers, Easi-Payment/0%-instalment/Flexi-Credit plans, refunded/disputed/fraudulent transactions, CreditShield, cash withdrawals, payments to government, alimony/child support, court/government fines, bail/bond, tax payments, petrol, transportation, top-ups/reloads outside the named e-commerce merchant list, utilities, JomPAY, charity payments, and fees/interest/SST charged to the card.
- How the cap works
- 12x UNIRM on e-commerce/e-wallet reload (Shopee, Lazada, Zalora, etc.) is capped at RM300/merchant/month (RM100 for iTunes, RM300 for Boost), then drops to 1x. 5x UNIRM on Everyday Spend (department stores, supermarkets/hypermarkets) is capped at a combined RM3,000/month, then 1x. 5x UNIRM on overseas spend is capped at a combined RM24,000/year, then 1x. All other local RM spend earns 1x UNIRM per RM1.
- 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 (same bank-wide schedule cited on the Simple Card and ONE Card entries above).
- Fee waiver
- Annual fee (RM600 principal / RM150 supplementary) waived with a minimum of RM50,000 Annual Retail Spend, effective 1 January 2026 — per the card's own Terms and Conditions. A separate limited-time welcome offer (see CARD_PROMOS) adds a 1-year fee waiver for new applicants; that promo waiver is distinct from this recurring spend-based waiver.
- ⚠This card's network is Mastercard, not Visa — a data error corrected in this pass; the official page URL itself is 'uob-world-mastercard.page'.
- ⚠Bonus 125,000 UNIRM welcome tier requires RM48,000 annual spend — separate from the RM50,000/yr fee-waiver threshold.
- ⚠6 complimentary airport lounge visits/yr — loungeAccess was incorrectly set to false on this site prior to this pass.
Verified 18 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 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.
The annual fee is RM600, but it can be waived: waived with min. rm50,000/yr spend (effective 1 jan 2026).
It earns air miles. 5x UNIRM per RM1 overseas spend (up to RM24,000/yr), plus 12x on e-commerce/e-wallet.
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 "5x UNIRM per RM1 overseas spend (up to RM24,000/yr), plus 12x on e-commerce/e-wallet". Weigh the RM600 annual fee against how much you'll earn back. 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.