UOB Visa Basic Card credit card

UOB Visa Basic Card

A basic visa credit card that fulfilled your needs and is packed with affordable and flexible credit lines, and fee waiver every month upon transaction.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM72.00 annual fee
  • Earn up to 1x reward point 

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Get a Complimentary Xiaomi Car Dash Cam With Your Selected UOB Cards!


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Benefits

Because you should be rewarded for giving the bank your business

Easy Payment Plan (EPP)
Convert your purchases made at merchants with UOB flexi payment plan to enjoy interest rate from as low as 0% for up to 36 months.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.99% one-time upfront handling feefrom RM500 
12 months3.99% one-time upfront handling feefrom RM500 
18 months4.99% one-time upfront handling feefrom RM500 
Learn more about UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
18 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Instalment Payment Plan
Premium
Earn up to 10% SMART$ Rebates in addition to Cash Rebates when you spend at participating merchants under SMART$ Rebate Programme.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM72.00
  • Waived when you made 1 retail transaction every month
Annual Fee for Supplementary Card
RM30.00
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa Contactless

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
UOB Easi-Payment Plan
UOB Instalment Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

UOB Visa Basic Card review

What's so good (or not so good) about it?

Go back to basics with UOB Basic Visa Card that is packed with cash rebates, affordable and flexible payment plan and monthly fee waiver upon transaction.

Annual Fee Waiver

UOB Basic Visa Card has a monthly fee of RM6.00, which can be waived when you make one retail transaction (no minimum amount) in a statement month. 

Bear in mind that the Sales & Service Tax of RM25 will be charged upon the anniversary date of your credit card. For supplementary cardholders, the annual fee is at RM30.

SMART$ Rebate Program

Swipe and Earn up to 10% SMART$ Rebates at any UOB SMART$ participating merchants' outlet that carries the UOB SMART$ logo. Did you know that SMART$ (DOLLAR) is as good as cash? 

This is because every 1 SMART$ is equivalent to RM1 in cash! Do note that your UOB SMART$ Rebates cannot be transferred or combined to other UOB Credit or Debit Card accounts.

Now to redeem your UOB SMART$ Rebates, you can do that at any participating SMART$ merchants' outlets on your next purchase. 

  1. Simply present your UOB Basic Visa Card that carries the SMART$ Rebates balance
  2. Inform the cashier of your intention to redeem
  3. After deduction of the UOB SMART$ Rebates, pay the remaining amount of your purchase.
  4. This additional amount will also earn you UOB SMART$ Rebates.

0% Instalment Payment Plan

There is a slew of benefits in a credit card when you use it efficiently. After all, it is made to extend your credit when you require it, whether to pay for your personal needs or daily expenses. 

UOB Basic Visa Card offers you UOB 0% Instalment Payment Plan (IPP) - where you pay for your purchases over 36 months with 0% interest, when you shop at any UOB 0% IPP participating merchant outlets. Outlet category includes:

TelecommunicationEducation
Travel AgentRetail Fashion
Business ServicesHotels
Department StoresPersonal Care
HypermarketAuto Services
Building & RenovationInsurance
MedicalOther Retails

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