UOB EVOL Card

Min. annual incomeRM36,000RM3,000 / month equivalent

Principal annual feeRM7.50 / month

Card networkVisaConventional card

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THE DETAILS

Benefit breakdown

Cashback

Cashback
Eligible spending	Rate	Monthly cap	Qualifying condition
Eligible online spending	10%	RM15	At least RM1,000 eligible monthly retail spend
Eligible e-wallet top-ups	5%	RM15	Same RM1,000 eligible monthly retail spend

Current cashback structure from 1 January 2026. The former 8% sustainable-spending cashback is not the current programme.

UNIRinggit points

UNIRinggit points
Eligible spending	Earn per RM1	Condition
Offline dining and entertainment	5 UNIRM	Eligible merchant codes; no minimum-spend threshold or points cap
Other eligible retail	1 UNIRM	Excluded categories do not earn points; online / e-wallet cashback transactions do not also earn these points

Fees & charges

Principal annual fee: RM7.50 per statement month (RM90 annual equivalent)
Supplementary annual fee: RM0
Annual fee waiver: RM7.50 per statement month, first 12 months waived; thereafter waived with 1 eligible retail transaction each statement month. Supplementary: complimentary.
Service tax: RM25 per principal / supplementary card, including physical and virtual cards, upon approval and annual renewal.
Retail finance rate: 15% / 17% / 18% p.a. according to prompt-payment history over the preceding 12 months.
Cash advance interest rate: 18% p.a., calculated daily from the cash-release date.
Cash advance fee: 0.37% of withdrawal amount from 1 January 2026, plus prevailing service tax on the fee.
Minimum monthly payment: Higher of 5% of outstanding balance or RM50, plus contracted instalments / automatic balance-conversion repayments and unpaid previous minimum amounts.
Late payment charge: Higher of RM10 or 1% of outstanding balance excluding finance charges and fees; maximum RM100.
Interest-free retail period: 20 days from statement date when the full balance is paid on time; no interest-free period for cash advances or balance transfers.
Overseas conversion: Visa / Mastercard or UOB prevailing conversion rate, plus up to 1.22% network administration charge and 1% UOB mark-up.
Overseas MYR / DCC transactions: Additional 1% UOB fee on the converted MYR amount, on top of the merchant’s currency-conversion pricing.
Replacement card: RM15 per replacement card.

Requirements

Minimum annual income: RM36,000
Principal minimum age: 21 years
Supplementary minimum age: 18 years
Documents: Malaysian salaried: MyKad, latest 3 months’ salary slips and tax / EPF / bank evidence. Self-employed: business registration, tax evidence and latest 6 months’ business bank statements.
Foreign salaried applicants: Passport, latest 2 months’ salary slips, employment letter and work permit valid for at least 1 year; bank assessment applies.

Payment plans

UOB payment facilities

UOB payment facilities
Facility	Minimum / tenure	Pricing / conditions
Merchant Instalment Payment Plan	Participating merchants; available tenures vary	0% only on an eligible merchant offer, selected at purchase.
Easi-Payment Plan	RM500 single purchase or up to 5 unbilled transactions totalling RM500	Current offered interest / tenure at conversion; approval and available limit required.
Balance Transfer Instalment	Minimum RM1,000; up to 80% of credit limit	Quoted flat rate / tenure at application; introductory 0% offers have separate eligibility and dates.

Do not treat a flat instalment rate as an effective annual rate. Instalment repayments form part of the monthly amount due; the PDS states an early-settlement fee of up to 5% of outstanding principal for applicable conversion plans, while balance transfer has no early-termination penalty.

EVOL 0% Easi-Payment offer

EVOL 0% Easi-Payment offer
Spending / facility	Minimum / tenure	Pricing / conditions
Foreign-currency transactions; eligible hotels, airlines, travel agents, education and entertainment	RM1,000–RM5,000 single transaction; 3 / 6 / 12 months	0% subject to eligible conversion and offer terms

Product features

Calendar-month accounting: The RM1,000 cashback threshold and two RM15 caps use a calendar month; the monthly-fee waiver uses the statement month. Principal / supplementary spending is combined. Online dining / entertainment follows online cashback instead of earning 5X UNIRM; cashback is credited within 60 days after month-end.
Monthly-fee waiver: One qualifying retail transaction per statement month waives RM7.50 after the first 12 waived months. FPX and second / subsequent instalment postings do not qualify as a fresh waiver transaction.
Points redemption: UNIRM are reward points, not cash or airline miles. Redeem through UOB Rewards / eligible UOB TMRW pay-with-points; conversion rates, available partners and minimum redemption blocks vary by card and reward.
Points expiry: UNIRM expire on the last day of the quarter after 3 years from earning. Check the statement’s expiry table / UOB TMRW for the available balance; airline miles follow their own programme rules after transfer.
Reward exclusions: Cash advances, transfers, fees, tax, refunded transactions and other programme-excluded categories do not earn retail rewards. Use the card-specific merchant / currency / posting rules; an excluded transaction may also fail to qualify toward a bonus threshold.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.