UOB · Visa · Cashback

UOB ONE Platinum

Good for

10% cashback on petrol, dining, Grab and 15 named grocers once you spend RM1,500 in the statement month.
Up to RM15 a month in each of the four categories, so up to RM60 a month.
Low entry: RM36,000 a year income.

Cash back, as a share of what you spend.

Counts toward the minimum: every billed purchase, except the ones below. Touch 'n Go reloads, Boost top-up, ShopeePay top-up and MAE / other e-wallet count but earn nothing.
Does not count: Government / LHDN / JPJ, Utilities and JomPAY / FPX / DuitNow to billers.

Spending	Under RM1,500	RM1,500 or more	Monthly cap
Petrol	0.2%	10%	RM15 reached at RM150
Groceries	0.2%	10%	RM15 reached at RM150
Dining	0.2%	10%	RM15 reached at RM150
Grab rides and Grab top-up / GrabPay	0.2%	10%	RM15 reached at RM150
Everything else	0.2%	0.2%	None
Government / LHDN / JPJ, Utilities, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Boost top-up, ShopeePay top-up and MAE / other e-wallet	Nothing	Nothing

How it's paid: Credited to the principal card account UOB credits the cash rebate to the principal cardmember's card account and shows it on the principal's monthly statement, including rebate earned on supplementary cards. UOB says the credit can lag the spend and does not promise a date.
Which month counts: Your statement month The minimum spend and the rebate are counted per statement cycle, by the date a transaction posts, not the date you made it. A purchase that posts on or after your statement date counts toward the next statement month.
When you lose it: Card cancelled or converted, or account overdue You lose all rebate not yet credited if the card is cancelled or switched to another UOB card, the account becomes delinquent (overdue), or a refund lowers your spend. UOB can also take back rebate earned on purchases that break the terms, such as business use, and can bar you from rebate if it suspects fraud.

Airport lounges: None
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: RM195 Waived if you spend RM20,000 in a year.
Extra (supplementary) cards: RM100 a year Waived when the account's combined spend reaches RM20,000 in the 12 months before this card's own anniversary. 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.