UOB World Card

Min. annual incomeRM60,000RM5,000 / month equivalent

Principal annual feeRM600

Card networkMastercardConventional card

View with bank ↗← All UOB cards

6 visits / calendar yearPlaza Premium Lounge · UOB Private Lounge

BEFORE YOU FLY

Airport lounge access

Card-specific lounge programme

6 visits / calendar year

Plaza Premium Lounge · UOB Private Lounge

Use viaSmart Traveller by Plaza Premium Group / physical card

Qualifying spend & allocation: 6 visits annually; no additional minimum spending requirement stated for this lounge allocation.
Principal / supplementary: Principal only. Supplementary cards do not have independent complimentary entry.
Guests: No complimentary accompanying guest. World: guests aged 12+ get 50% off the applicable Malaysian PPG published admission rate when accompanying the principal; pay using the eligible card.
Where it works: KLIA Terminal 1 only. Complimentary Terminal 2 access is not included.

Calendar year; current issuer rules checked 3 November 2026. One eligible UOB principal card per visit from 18 August 2026; separate UOB cards cannot be stacked at the same visit.

Entry steps & validity

Present eligible card or registered Smart Traveller QR plus boarding pass; maximum 1 admission daily, subject to lounge capacity. Complimentary stay up to 3 hours; excess time is chargeable.

Calendar year; current issuer rules checked 3 November 2026. One eligible UOB principal card per visit from 18 August 2026; separate UOB cards cannot be stacked at the same visit.

Eligible locations & entry rules ↗Smart Traveller ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

UNIRinggit points

UNIRinggit points
Eligible spending	Earn per RM1	Cap / qualification
iTunes, Touch ’n Go, Boost and BigPay	12 UNIRM	First RM300 PER merchant each month; excess 1X
Selected department stores / supermarkets	5 UNIRM	First RM3,000 combined eligible monthly spend; excess 1X
Eligible overseas spending	5 UNIRM	First RM24,000 per membership year; excess 1X
Other eligible retail	1 UNIRM	Excluded transactions do not earn
At least RM48,000 annual eligible spend	125,000 additional UNIRM	Annual spend bonus; not a monthly bonus

Fees & charges

Principal annual fee: RM600
Supplementary annual fee: RM150
Annual fee waiver: Annual fee: RM600 principal; RM150 supplementary. Waiver with RM50,000 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: RM60,000
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

Travel and purchase protection: Up to RM300,000 overseas personal-accident protection, plus policy-defined purchase protection; charge eligible travel / purchases to the card and check policy sub-limits.
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.