UOB · Miles

UOB Preferred

Good for

Streaming on Netflix, Prime, Disney+, HBO Max and YouTube Premium. 10X UNIRM per RM1, no cap.
Dining, cinemas and supermarkets. 5X UNIRM per RM1, on up to RM1,000 a month in each.
Low entry: RM36,000 a year income.

Past RM1,000 a month in dining, entertainment or groceries, and RM500 in petrol, the extra spend earns nothing.
No lounge access or travel insurance.

UNIRinggit, per RM spent, and the miles they make in Enrich, KrisFlyer or Asia Miles.

Spending	Earns	Details
Streaming and games	10 points per RM	0.5 miles per RM.
Dining	5 points per RM	On the first RM1,000 a month. 0.25 miles per RM.
Entertainment	5 points per RM	On the first RM1,000 a month. 0.25 miles per RM.
Groceries	5 points per RM	On the first RM1,000 a month. 0.25 miles per RM.
Petrol	3 points per RM	On the first RM500 a month. 0.15 miles per RM.
Telco	3 points per RM	0.15 miles per RM.
Spending in ringgit	1 point per RM	0.05 miles per RM.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Utilities and more	Nothing	Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Utilities, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

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.

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: RM198
Extra (supplementary) cards: RM30 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.