HomeCredit CardsUOB

Lazada UOB Card

by MujizUpdated 27 Jan 2026

Primary Reward TypeReward Points

Highest Multiplier10x

Min Annual IncomeRM24,000

Annual FeeRM100

Support

For comparison purposes only. Final terms are determined by the issuing bank.

Review

A Purpose-Built Card for the Lazada Ecosystem

The Lazada UOB Credit Card is a straightforward e-commerce co-branded card built specifically for users who shop frequently on Lazada. Its value is tightly tied to Lazada spending, combining accelerated UNIRM earning with recurring platform-specific vouchers and discounts.

On the rewards side, cardholders earn 10X UNI$ Reward Miles (UNIRM) for every RM1 spent on Lazada and Lazada Wallet transactions, capped at RM500 per month. Any spend beyond this cap earns the base rate of 1X UNIRM. Selected online lifestyle and entertainment spending, as well as telecommunication and insurance transactions, earn 5X UNIRM, each subject to a separate RM500 monthly cap, with excess spend reverting to the base rate.

All other eligible transactions earn 1X UNIRM per RM1. While the accelerated earning caps limit large-scale miles accumulation, the structure works well for users with predictable monthly online spending.

The card’s strongest differentiator lies in its Lazada-specific perks. Cardholders receive a RM28 Lazada voucher every Monday (minimum spend RM200), a recurring RM8 voucher on the 8th of each month (minimum spend RM45), exclusive mega-sale vouchers, and free shipping vouchers every Friday. These benefits are redeemed directly via the Lazada app and are subject to availability.

The card also includes a Spend Bonus UNIRM feature, awarding 1,000 UNIRM when monthly spending reaches RM1,500. Accumulated UNIRM can be redeemed to offset Lazada purchases or converted into airline miles, making the card compatible with the broader UOB rewards ecosystem.

The minimum income requirement is set at RM24,000 per annum. The principal card carries an annual fee of RM100, with a supplementary card fee of RM70. Effective 1 January 2026, the annual fee is waived with a minimum annual spend of RM15,000, calculated over the 12 months preceding the fee charge date.

Verdict: The Lazada UOB Card is best suited for frequent Lazada shoppers who want consistent platform discounts and capped bonus points on e-commerce spending. Outside the Lazada ecosystem, its rewards are unremarkable, but as a dedicated online shopping card or a supplementary UNIRM accumulation tool, it performs its intended role well.

Pros

10X UNIRM on Lazada and Lazada Wallet spending
Recurring Lazada vouchers and free shipping benefits
Low income requirement
UNIRM can be used to offset Lazada purchases or converted to miles
Annual fee waiver achievable with moderate spend

Cons

Accelerated earning tightly capped at RM500 per category
Limited value outside the Lazada ecosystem
Miles accumulation potential is modest
Voucher availability subject to platform allocation
Not suitable as a standalone everyday card

Rewards Points

Base Points

Card benefits

🛍️

Exclusive Lazada Vouchers

Weekly/monthly Lazada vouchers and free shipping vouchers to be collected and used via the Lazada app (while stocks last).

Condition: RM28 Voucher Every Monday: RM28 off with min spend RM200, valid every Monday from 12 July 2021 to 26 January 2026. RM8 Voucher every 8th of the month: RM8 off with min spend RM45, valid from 8 April 2022 to 31 January 2026. Free Shipping Fridays: vouchers worth RM5 (collection every Friday). Mega-sales vouchers and year-long discounts subject to availability.

🌟

Spend Bonus UNIRM (Monthly)

Earn 1,000 UNIRM when monthly spend is RM1,500 and above.

Condition: Valid per month, subject to UOB terms and conditions.

Details

Product Details

Card Name

Lazada UOB Card

Issue Bank

UOB

Network

Mastercard

Annual Fee

RM 100

Eligibility

Minimum Annual Income

RM 24,000

Minimum Age

(Principal) 21 Years Old

Max Age

No limit

Rates & Fees

Annual Fee

RM 100 / RM 70 (Supplementary)

Fee Waiver

Effective 1 January 2026, spend a minimum of RM15,000 per annum (total spend calculated from the 1-year period before the annual fee is charged) and enjoy Lazada UOB Card privileges without the annual fee.

Interest Rate

Tier 1 – 15% p.a. – Cardmembers who promptly settle Minimum Payment Due by the respective Payment Due Date for 12 months within the last 12 consecutive months. Tier 2 – 17% p.a. – Cardmembers who promptly settle their Minimum Payment Due by the respective Payment Due Date for 10 months or 11 months within the last 12 consecutive months. Tier 3 – 18% p.a. – Cardmembers who promptly settle their Minimum Payment Due by the respective Payment Due Date for 9 months or less within the last 12 consecutive months.

Interest Free Period

20 Days

Late Payment Charge

A minimum of RM10.00 or 1% of total outstanding balance excluding Finance Charges and fees as at Statement Date (whichever is higher), up to a maximum of RM100.

Cash Advance Fee

Effective 1 January 2026, a cash advance fee of 0.37% will be charged on each cash advance withdrawal. Prevailing Service Tax applies.

Overseas Transaction Conversion Fee

If you use the Credit Card for a transaction in a foreign currency, the transaction will be converted into Ringgit Malaysia on the date which the transaction is received and processed by UOB and/or Visa/MasterCard International. The conversion rate is subject to an administration charge up to 1.22% levied by Visa/MasterCard International and in addtion, a 1.00% foreign exchange conversion markup will be levied by UOB on the converted Ringgit Malaysia amount, or such other rate as determined by UOB.