• RM
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    • Annual FeeFree*
    • Balance TransferFrom 0% p.a.
    • Easy Payment PlanFrom 0% p.a.
    • Interest Rate15% p.a.
    • Interest-free20 days
    • Min. IncomeRM2,000/month
      • Overview

      • Shop on the Lazada app or reload your Lazada Wallet to get rewarded with 10X UNIRM, including 5X UNIRM on selected categories. Plus, enjoy exclusive year-long discounts, vouchers and free shipping!

      • Rewards (UOB UNIRinggit)

      • Get 10X UNIRM for every RM1 spent on Lazada and Lazada Wallet transactions, and 5X UNIRM on selected online lifestyle and entertainment spending, including telecommunication and insurance spending. Any other types of spending get you 1X UNIRM. Spend RM1,500 and above monthly, you will get 1,000 UNIRM as a bonus!

      • Balance Transfer

      • Credit card bills hanging heavy over your shoulder? Apply for the UOB Balance Transfer with low-interest rates for up to 18 months.

      • Flexible Payments

      • Convert your purchases made at participating merchants with UOB easy payment plans and enjoy low-interest rates and longer repayment tenures.

      • Additional Premium

      • Enjoy an exclusive RM28 discount every Monday on your Lazada purchases via the app when you spend a minimum of RM200 in a single transaction, Lazada free shipping vouchers worth RM5 every Friday with a minimum spend of RM15 in a single transaction, plus monthly RM8 discount vouchers via the Lazada app when you spend a minimum of RM45 in a single transaction. Besides that, enjoy exclusive Lazada mega-sales vouchers and year-long discounts. Refer to the T&Cs in the Review section below to find more details.

      • Features
      • CriteriaDetails
        Card TypeMasterCard
        Interest Free Period (Days)20
      • Fee
      • CriteriaDetails
        Min Cash Withdrawal FeeRM20 or 5%
        Annual Fee (RM)100
        Min Late PaymentRM10 or 1% of outstanding amount, up to a maximum of RM100
      • Min Monthly Payment
      • CriteriaDetails
        Min Monthly Payment5% or RM50 of outstanding amount, whichever is higher
      • Easy Payment
      • MonthsInterest Rate (%)Upfront Interest (%)Minimum Amount (RM)Max Amount (RM)
        302.99500-
        602.99500-
        128.15-500-
        248.15-500-
        368.15-500-
        488.15-500-
        608.15-500-
      • Balance Transfer
      • MonthsUpfront Interest (%)Interest (%)Minimum Amount (RM)
        6301000
        12401000
        18501000
      • Rewards Points Tiers
      • ApplicabilityPointsPer RinggitValidity (Years)
        On Lazada and Lazada Wallet spend1013
        On selected online lifestyle and entertainment, telecommunication and insurance spend513
        On other types of spend113
      • Annual Percentage Rate
      • CriteriaInterest Rate (%)
        Prompt Repayment every month15
        Prompt Repayment 10 out of 12 months17
        Prompt Repayment of less than 10 out of 12 months18
        Interest rate on cash withdrawal18
      • Supplementary Card
      • CriteriaDetails
        Annual FeeRM70
        Minimum Age (Years)18
      • Eligibility
      • CriteriaDetails
        Minimum Age21
        Who Can ApplyAnybody