UOB · World Mastercard · Miles

UOB PRVI Miles Elite

Good for

Spend abroad. 12X UNIRM per RM1 (1 mile) in Singapore, Thailand, Vietnam and Indonesia, 10X elsewhere, no cap.
8 free Plaza Premium lounge visits a year, including the private lounge at KLIA Terminal 1.
12,000 UNIRM converts to 1,000 Enrich, KrisFlyer or Asia Miles.

Local spend earns only 1X UNIRM, about 0.08 miles per RM1. Airlines in ringgit earn 5X.
Waiving the RM600 fee with RM50,000 of yearly spend costs you the 60,000 UNIRM annual bonus.
Lounge visits are for the main cardholder only. Supplementary use is billed.

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

Spending	Earns	Details
OTAs (Agoda, Booking, Expedia) in Singapore dollars, Thai baht, Vietnamese dong or Indonesian rupiah	29 points per RM	2.42 miles per RM.
OTAs (Agoda, Booking, Expedia) in a foreign currency	27 points per RM	2.25 miles per RM.
OTAs (Agoda, Booking, Expedia) in ringgit	18 points per RM	1.5 miles per RM.
Spending in Singapore dollars, Thai baht, Vietnamese dong or Indonesian rupiah	12 points per RM	1 miles per RM.
Spending in a foreign currency	10 points per RM	0.83 miles per RM.
Airlines (direct) in ringgit	5 points per RM	0.42 miles per RM.
Spending in ringgit	1 point per RM	0.08 miles per RM.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and Utilities	Nothing

Enrich: 12,000 points for 1,000 miles Moved in blocks of 12,000 points.
KrisFlyer: 12,000 points for 1,000 miles Moved in blocks of 12,000 points.
Asia Miles: 12,000 points for 1,000 miles Moved in blocks of 12,000 points.

Airport lounges: 8 free visits a year Plaza Premium, Lounges in 8 countries and territories lounges. Main cardholder only. One visit a day, up to 3 hours. Guests get 50% off in Malaysia and 20% off abroad.
Overseas spending fee: 2.22% Up to 1.22% Visa or Mastercard plus 1% UOB
Paying in ringgit abroad: 1% When a shop abroad charges you in ringgit.

Free. Medical and travel delay cover needs the full fare for the trip charged to this card. Covers cardholders over 18 and under 70.

Travel accident: Up to RM300,000 For accidents on trips abroad. Overseas medical bills up to RM100,000.
Travel inconvenience: Flight delay up to RM2,500 Missed connections and delayed bags abroad up to RM2,500 each. Up to RM5,000 for the whole family.
Shopping and fraud cover: Up to RM10,000 per item Lost or damaged within 30 days of purchase. Up to RM75,000 a year. You pay 50% of each loss, at least RM75.
Insurer: Liberty General Insurance Berhad Claims go to Liberty, not UOB. Hotline 1-300-888-990.

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

Annual fee: RM600
Extra (supplementary) cards: Free The RM25 service tax still applies each year.
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 minimum payments you made on time over the last 12 months. 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.
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: RM100,000 a year or more
Age: 21 or older Extra cardholders from 18.
Documents: MyKad copy (both sides)
Employees: latest 3 months' payslips, plus your latest Form B/BE with tax receipt, EPF statement or 3 months' bank statements
Self-employed: business registration form, latest BE form with tax receipt and 6 months of bank statements showing business turnover
Foreigners: passport, latest 2 months' payslips, a work permit valid for at least 1 year and an employment letter
How many payslips you need depends on your job.