Mastercard · ConventionalUOB · MALAYSIA
UOB Preferred Card
Min. annual incomeRM36,000RM3,000 / month equivalent
Principal annual feeRM198
Card networkMastercardConventional card
THE DETAILS
Benefit breakdown
UNIRinggit points
| Eligible spending | Earn per RM1 | Cap / treatment above cap |
|---|---|---|
| Selected streaming (Netflix, Amazon Prime, Disney+, HBO, YouTube Premium) | 10 UNIRM | No cap stated for qualifying named streaming |
| Dining | 5 UNIRM | First RM1,000 per statement cycle; ZERO points above this category cap |
| Entertainment | 5 UNIRM | First RM1,000 per statement cycle; ZERO points above this category cap |
| Groceries (MCC 5411 / 5422) | 5 UNIRM | First RM1,000 per statement cycle; ZERO points above this category cap |
| Petrol | 3 UNIRM | First RM500 per statement cycle; ZERO points above this category cap |
| Eligible recurring payments | 3 UNIRM | No cap; excludes insurance, utilities and government payments |
| Other eligible retail | 1 UNIRM | The 1X base rate does not restore points on capped categories above their limits |
Effective 1 September 2026. Spending caps are separate for each category; do not assume overflow always earns 1X.
Fees & charges
- Principal annual fee
- RM198
- Supplementary annual fee
- RM30
- Annual fee waiver
- Annual fee: RM198 principal; RM30 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
| 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
- Coffee privilege
- 1-for-1 drinks at selected The Coffee Bean & Tea Leaf outlets, Monday–Friday under the issuer’s current offer; outlet / drink exclusions and redemption conditions apply.
- 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.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.