• Earn cash rebates on your everyday purchases
  • Earn SMART$ rebates from participating merchants
  • Enjoy discount up to 15% on dining over 150 restaurant nationwide
  • 0.2% cashback on all retail spend
Minimum Monthly Income
Minimum Monthly Income

RM 2

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

6% for 12 months

Annual Fee
Annual Fee

RM 68.00

Credit Card's Promotion

Rebate Category Cash Rebates Maximum Purchase Amount entitled for Cash Rebates Merchants
  Weekday Weekend ONE Card ONE Platinum  
Petrol 1% 5% Up to RM300 per month Up to RM500 per month All petrol stations
Cinema 2% 8% Unlimited Unlimited Golden Screen Cinemas
Groceries 1% 2% Up to RM1,000 per month Up to RM1,500 per month Tesco, Aeon Big, Giant, Cold Storage & Jaya Grocer
Telecommunications 1% 2% Up to RM200 per month Up to RM300 per month Maxis, Digi & Celcom
Other purchases 0.2% 0.2% Unlimited Unlimited All other merchants not listed above

Swipe your UOB Card and earn SMART$ Rebates automatically, which can be redeemed for your next purchase.

1 SMART$ is equivalent to RM1.

Click here for merchant list.

Balance Transfer

Reducing Balance

Plan Special Interest Rate Special Interest Rate Term
Plan 14 7.77% p.a. 6 months
Plan 15 7.88% p.a. 12 months
Plan 16 7.99% p.a. 18 months


Fixed Balance

Fixed-pay 6 Months Fixed-pay 12 Months
3.3% interest for 6 months 6.0% interest for 12 months
  • Convert your overseas purchase into 3 months 0% EPP with minimum spend of RM3,000 in a single or accumulated receipts.
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1



for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of at least 10/12 months
Tier 3 1.50% 18% for those do not faill in tier 1 or tier 2
Flexi Pay
  •  Spend a minimum of RM1,000 on medical spend and convert to 3 monthly repayments at 0% interest.
Annual fee RM 68.00
Annual fee for suplementary card RM 30.00
Minimum monthly payment 5% of the outstanding balance or RM50, whichever is higher
Late payment interest A minimum of RM10 or 1% of total outstanding balance excluding Finance Charges and fees as at Statement Date whichever is higher, up to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of the amount withdrawn or a minimum of RM20* whichever is higher
Cash withdrawal interest rate 18% p.a. daily interest from the total cash advance amount
Balance transfer interest rate 6% for 12 months
Balance transfer max valid duration Up to 18 months
Balance transfer early settlement penalty RM100

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