UOB ONE Platinum Card

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

Principal annual feeRM195

Card networkVisaConventional card

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THE DETAILS

Benefit breakdown

Cashback

Cashback
Eligible spending	Rate	Statement-month cap	Qualification
Petrol (MCC 5541 / 5542)	10%	RM15	RM1,500 total eligible retail spend
Selected grocers / supermarkets	10%	RM15	RM1,500 total eligible retail spend; named eligible merchants only
Dining (MCC 5812 / 5814)	10%	RM15	RM1,500 total eligible retail spend
Eligible Grab transactions	10%	RM15	RM1,500 total eligible retail spend
Above categories below the qualifying threshold	0.2%	Uncapped	Threshold applies per statement month, not calendar month
Other eligible retail	0.2%	Uncapped	No bonus-category rate

Four independent bonus-category caps: RM60 maximum combined bonus cashback per statement month. Eligible categories / merchant coding and excluded transactions follow the card terms.

Fees & charges

Principal annual fee: RM195
Supplementary annual fee: RM100
Annual fee waiver: Annual fee: RM195 principal; RM100 supplementary. Waiver with RM20,000 eligible annual spend before the card anniversary.
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.

Product features

Merchant details: Grocers include the named AEON / AEON BiG, BIG, Cold Storage, Econsave, Everise, Giant, Jaya, Lotus’s, Mercato, Mydin, Survay and Village Grocer merchants. Petrol includes eligible Setel CardTerus direct card transactions; do not treat all e-wallet reloads as petrol.
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.