• Faster way to earn Air Miles
  • Earn up to 10x UNIRinggit
  • Cash back on overseas spent
Minimum Monthly Income
Minimum Monthly Income

RM 5

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

6% for 12 months

Annual Fee
Annual Fee

RM 198.00

Credit Card's Promotion

  •  1% cashback on overseas spend of RM1,000 and above
  • Earn 2X UNIRinggit on dining spend during your birthday month
  • Earn 5X UNIRinggit every RM1 spent overseas, on airlines, hotels and travel agencies.
  • Earn 10X UNIRinggit every RM1 spent at booking.com/uobm
  • Redeem up to 7 Airmiles with AirAsia BIG points, Asia Miles, Enrich Miles and KrisFlyer for every RM10 spent.


Quarterly in 2018 Spend Amount UNIRinggit Reward Points
Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec RM10,000 20,000
RM15,000 35,000


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
  • Redeem airmiles to your next destination.
  • 50% off GRAB rides to / from the airport.
  • 5X UNIRinggit on your dining spend at KLIA / KLIA2.
  • Earn up to 12X UNIRinggit when you make hotel/flight reservations at Expedia.

12x complimentary access to Plaza Premium Lounge in a year.

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
  • Convert single-receipt purchases above RM500 into monthly repayment with 2% upfront interest
Annual fee RM 198.00
Annual fee condition Offset your annual fee with UNIRinggit earned
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Cash withdrawal 5% of the amount withdrawn or a minimum of RM20* whichever is higher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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