UOB · Visa · Cashback + Miles

UOB EVOL

Good for

10% cash back on online spend and 5% on e-wallet top-ups once you spend RM1,000 in the calendar month, up to RM15 each.
5X UNIRM per RM1 on dining and entertainment paid at the counter, with no cap.
Low entry: RM36,000 a year income. The RM7.50 monthly fee is waived in any month you make one purchase.

Below RM1,000 of spend in the calendar month, online spend and top-ups earn nothing.
Past RM15 cash back in a category, the rest of that spend earns nothing.
Online dining and entertainment earn the online cash back, not 5X UNIRM.
Bills, telco and insurance earn no cash back. Transport earns no UNIRM.

Cash back and UNIRinggit. The points rows show the miles those points make in Enrich, KrisFlyer or Asia Miles.

Counts toward the minimum: every billed purchase, except the ones below. Utilities count but earn nothing.
Does not count: Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers.

Spending	Earns	Details
Dining and Entertainment in shops	5 points per RM	0.25 miles per RM.
Telco and Insurance	1 point per RM	0.05 miles per RM.
Spending in shops except Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and more	1 point per RM	0.05 miles per RM.
Spending online except Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and more	10%	When you spend RM1,000 or more a month. Up to RM15 back a month.
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and more	5%	When you spend RM1,000 or more a month. Up to RM15 back a month.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and Utilities	Nothing

How it's paid: Credited to the principal card account UOB credits the cash back to the principal cardmember's card account within 60 days after the calendar month ends, including cash back earned on supplementary cards. It shows on the monthly statement.
Which month counts: The calendar month The RM1,000 minimum and the caps count from the 1st to the last day of the month, by the date you made each purchase, not the date it posts.
When you lose it: Card cancelled or converted, or account overdue You lose cash back not yet credited if the card is cancelled or switched to another UOB card, the account becomes delinquent, suspended or terminated, or you break the terms. Cash back on refunded or cancelled purchases is taken back.

Enrich: 20,000 points for 1,000 miles Moved in blocks of 20,000 points.
KrisFlyer: 20,000 points for 1,000 miles Moved in blocks of 20,000 points.
Asia Miles: 20,000 points for 1,000 miles Moved in blocks of 20,000 points.

Overseas spending fee: 2.22% Up to 1.22% Visa or Mastercard plus 1% UOB. Paying in ringgit abroad (DCC) costs 1% plus 8% service tax on that fee.
Paying in ringgit abroad: 1% When a shop abroad charges you in ringgit.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM7.50 a month Free the first year. Waived in any month you make one purchase.
Extra (supplementary) cards: Free or RM30 a year The product page says complimentary, but UOB's annual fee table lists RM30. The RM25 service tax still applies.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how many of the last 12 minimum payments you made on time. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any instalments and unpaid past minimums.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late. Finance charges and fees are left out of the balance.
Cash withdrawal: 0.37% fee Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card: RM15

Income: RM36,000 a year or more
Age: 21 or older Extra cardholders from 18.
Documents: MyKad (both sides)
Employees: latest 3 months of payslips, plus one of: latest Form B or BE with the tax receipt, latest EPF statement, or latest 3 months of bank statements
Self-employed: business registration form, latest BE form with the tax receipt, and latest 6 months of bank statements showing business turnover
Foreigners: passport, latest 2 months of payslips, a work permit valid for at least 1 year, and a letter of employment
How many months of payslips you need depends on your job.