7 Best UOB Credit Cards for Rewards & Travel in Malaysia (2026)

UOB is one of the most popular banks in Malaysia, offering rewards for everyday spending in the form of UNIRM and airmiles. With so many cards to choose from, finding the right one can feel overwhelming – but we're here to help.

This guide breaks down the best UOB credit cards for your lifestyle and income. We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

Which UOB Card Earns the Best Rewards?

From cashback lovers to frequent travellers, here’s which UOB card could suit you best:

UOB Preferred Card Rewards

*The annual fee can be waived with a minimum spend of 20,000 MYR per annum

Think of this card as a solid all-rounder.

It doesn't have specific travel perks, but it does offer 1-for-1 drinks at selected Coffee Bean and Tea Leaf outlets between Monday and Friday. With 10x UNIRM points for spending on streaming platforms like Netflix, Amazon Prime, YouTube Premium, and HBO Max, as well as 5x UNIRM points for dining, entertainment and groceries, there's ample opportunity to earn on regular purchases.

UOB EVOL Card Rewards

*Fee waived for the first 12 months

With 10% cashback on online spending and 5x UNIRM per 1 MYR on entertainment and dining, this card is a great fit for young spenders looking for the best deals – both online and in person.

It's particularly good value if you use it regularly to waive the monthly fee.

UOB World Card Rewards

*The annual fee can be waived with a minimum spend of 50,000 MYR per annum

This card is designed to help you make the most of your everyday purchases. You can earn up to 12x points on selected e-commerce platforms, and up to 5x points on selected department stores and supermarkets.

That said, high foreign transaction fees mean this card is better suited for local spending than international spending.

UOB Lady's Platinum and Solitaire Card Rewards

• *The annual fee for the solitaire card can be waived with a minimum spend of 20,000 MYR per annum.
• **The annual fee for the platinum card can be waived with a minimum spend of 50,000 MYR per annum

The UOB Lady's cards offer bespoke shopping and lifestyle benefits tailored towards women. Both cards offer up to 10x rewards, but the Solitaire card goes further. It includes airport lounge access, travel insurance, and complimentary face, slimming and wellness treatment with Body Perfect during your birthday month.

The card is only available to female applicants. Other than that, the usual eligibility and ID requirements still apply.

UOB PRVI Miles Elite Card Rewards

*The annual fee can be waived with a minimum spend of 50,000 MYR per annum

The UOB PRVI Miles Elite Card lets you quickly rack up airmiles at a rate of up to 2.4 per 1 MYR spent, though this must be made through Agoda, and in eligible currencies.

With extra perks such as lounge access and complimentary Grab rides after completing a set number of transactions, this card can help make travel as fun as the destination.

The card also offers up to 12x UNIRM points per 1 MYR spent abroad, but it's worth noting the FX fees you might be charged.

If you're looking for the UOB PRVI Miles Card, it's no longer accepting new applicants, but the Elite version might still be for you.

UOB Visa Infinite Card Rewards

*The annual fee can be waived with a minimum spend of 50,000 MYR per annum

This card offers similar lifestyle perks to the UOB Visa Infinite Metal Card, but on a slightly smaller scale – for example, up to 12 complimentary limousine rides to the airport annually, rather than unlimited. For most people, though, that'll be plenty. Think of it as a more accessible version of the metal card.

The card's strong UNIRM to airmiles conversion attracts many – you can redeem 12,000 points for 1,000 Enrich, Krisflyer or AirAsia Miles.

UOB Visa Infinite Metal Card Rewards

This invite-only card is designed for high earners looking to further elevate their lifestyle, from a physical metal card to exclusive private lounge access. It also comes with complimentary unlimited limousine rides to the airport and the Visa Concierge service. Not only will you get the opportunity to earn up to 10x UNIRM points, but you'll also receive 300,000 bonus UNIRM points when you pay the annual fee.

Unlike the regular UOB Visa Infinite Card, this card provides greater flexibility in rewards, with the opportunity for more frequent redemption.

The Hidden Cost of Chasing UOB Rewards Overseas

If you want to maximise the use of your UOB credit card, you might be thinking about using it when spending abroad. However, the fees you're likely to be charged probably outweigh the benefits you'll receive from points. If you do use it abroad, make sure to activate your card for overseas use before you leave.

When spending overseas, UOB uses the Visa or Mastercard exchange rate, which tends to include an admin charge of up to 1.22%. On top of that, an additional 1% foreign conversion fee is charged by UOB. These can add up rapidly, making it more efficient to use a specialist debit card once you're abroad.

Wise uses the mid-market exchange rate – the one you see on Google – without any FX markup, unlike UOB credit cards, while charging low, transparent fees.

Want to check the live mid-market rate for yourself? Take a look below:

Pay Like a Local Wherever You Travel with Wise

The Wise card lets you spend in 40+ currencies at the mid-market rate including CNY, JPY, GBP, and SGD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up MYR to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 13.7 MYR. Having a physical Wise card allows you to make chip and pin payments, as well as two free ATM withdrawals to the value of 1,000 MYR each month, before low fees start.

While abroad, you can choose to spend with directly in MYR and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.77%.

💳 Get your Wise card today