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UOB · Mastercard · No rewards

UOB Simple

Earns
No rewards
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
Free for life
See it on UOB's site

Good for

  • No annual fee for the main or supplementary cards.
  • No late payment charge.
  • 10% of your interest charges back each month when you paid the last minimum payment on time, with no cap.

Watch out

  • Spending earns no points and no cash back. The 10% is only on interest you are charged.
  • Interest is still 15% to 18% a year.

What it earns

This card earns no rewards.

SpendingEarnsDetails
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and moreNothing Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Travel

Overseas spending fee
2.22% Up to 1.22% 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.

Fees and charges

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

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
Free 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
None The product page says no late payment charges, and the PDS late charge does not apply to this card.
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

Who can apply

Income
RM24,000 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.

Other perks

Card network
Mastercard

Where this comes from