UOB Zenith Card
12x lounge visits/year + up to 50% relationship bonus points
UOB Bankhas closed new applications for this card — existing cardholders keep their benefits. Check the bank's page for its current replacement, or compare cards you can still apply for.
Last updated 6 August 2026 · Reviewed by Raymond, Rates.my
UOB Bank UOB Zenith Card overview
The UOB Bank UOB Zenith Card is a Elite-tier Mastercard miles card built around air miles. 12x lounge visits/year + up to 50% relationship bonus points. It best suits high-income earners, with a minimum income requirement of RM192,000 a year. It has an annual fee of RM1000 (not customarily waivable). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓2x UNIRM per RM1 overseas, 1x local
- ✓250,000 UNIRM bonus at RM240,000+ annual spend
- ✓Up to 50% relationship bonus points (10–50% by years held)
- ✓12 lounge visits/year (you + 1 guest) incl. private KLIA T1 lounge
- ✓Complimentary Grab ride home from KLIA (min. 3 overseas txns in 45 days, up to 2x/month)
- ✓Travel insurance up to USD500,000
Is the UOB Zenith Card worth it?
The UOB Zenith Card is best suited to high-income earners — its minimum income requirement is RM192,000 a year (about RM16,000 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 (not customarily waivable)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −RM1000 annual fee unless the waiver condition is met
- −Higher income requirement — RM192k 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 Zenith Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No UNIRM on cash advance/QuickCash, IPP/EPP instalments, DuitNow QR, JomPay, Direct Debit, Balance Transfer/Flexi Credit Plans, fees/interest/late charges, government service tax, credit insurance premiums, government payments, catering/out-call F&B, donations, education fees, childcare, or funeral/clothing-rental/photography/florist categories. Overseas spend settled in MYR (incl. DCC) earns only the 1x local rate, not 2x.
- How the cap works
- 12 complimentary Plaza Premium Lounge (+ affiliates) visits/calendar year for principal + 1 guest, 1 access/day, 3-hour limit; Grab Ride Home capped at RM180/trip, max 2/month, requires 3+ overseas (non-MYR) transactions in the prior 45 days.
- Foreign transaction fee
- Not stated in the card-specific T&C — UOB's general Credit Card/Commercial Card PDS applies a 1% UOB conversion markup plus a Visa/Mastercard international administration charge of up to 1.22% bank-wide; not independently re-confirmed for Zenith specifically.
- ⚠Applications are closed (see the card entry's note) — this listing is for existing cardholders and comparison purposes only
- ⚠The 250,000 UNIRM annual spend bonus needs RM240,000+ cumulative retail spend in a card-anniversary year, excluding BT/EPP/Flexi Credit/0% instalment plans, cash advances and fees
- ⚠The relationship bonus (10–50% of annual spend in UNIRM) scales with years held, not spend alone — a new cardholder gets 10% at most in year 1
- ⚠UNIRM earned takes up to 2 months to post to the account, and is forfeited entirely on cancellation, downgrade/conversion to another UOB card, or delinquency
Verified 6 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 Zenith Cardterms & product disclosure →UOB Zenith Card FAQ
You need a minimum annual income of RM192,000 (about RM16,000 a month). UOB Bank also considers your overall credit standing.
The annual fee is RM1000, but it can be waived: not customarily waivable.
It earns air miles. 12x lounge visits/year + up to 50% relationship bonus points.
No — the UOB Zenith Card is a conventional credit card. Check with UOB Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "12x lounge visits/year + up to 50% relationship bonus points". Weigh the RM1000 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the UOB Zenith 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.