UOB · World Mastercard · Miles

UOB World Card

Good for

E-wallet reloads. 12X UNIRM on Touch 'n Go, Boost and BigPay, up to RM300 per merchant each statement.
Selected department stores and supermarkets. 5X UNIRM, up to RM3,000 a statement.
6 free visits a year to the Plaza Premium Lounge at KLIA Terminal 1.

Overseas spend earns 5X only up to RM24,000 a year, then 1X.
Lounge visits are only at KLIA Terminal 1, for the main cardholder.
RM600 annual fee unless you spend RM50,000 a year. Supplementary cards cost RM150.

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

Spending	Earns	Details
Touch 'n Go reload	12 points per RM	On the first RM300 a month. 0.6 miles per RM.
Boost top-up	12 points per RM	On the first RM300 a month. 0.6 miles per RM.
Groceries and Department store	5 points per RM	On the first RM3,000 a month. 0.25 miles per RM.
Spending in a foreign currency	5 points per RM	On the first RM24,000 a month. 0.25 miles per RM.
Spending in ringgit	1 point per RM	0.05 miles per RM.
Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and more	Nothing	Petrol, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Utilities, Grab top-up / GrabPay, 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: 6 free visits a year Plaza Premium, 1 lounge, KLIA Terminal 1 lounges. Main cardholder only. One visit a day, up to 3 hours. Guests get 50% off.
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. Covers cardholders over 18 and under 70. Purchase cover needs the item paid with the card.

Travel accident: Up to RM300,000 Accidents outside your home country, 24 hours a day.
Shopping and fraud cover: Up to RM10,000 per item Lost or damaged within 30 days of purchase, up to RM25,000 per claim. Items not delivered, up to RM2,000. You pay 50% of each loss, at least RM75.
Travel inconvenience: Not listed UOB does not list this cover for this card.
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: RM150 a year Free if your combined spend reaches RM50,000 a year. 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: RM60,000 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.