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UOB EVOL Card

Author
by MujizUpdated 27 Jan 2026
UOB EVOL Card
Primary Reward TypeCashback
Highest Rate10%
Effective Rate3%
Cashback CapRM30
Min Annual IncomeRM36,000
Annual FeeRM90
Support
Apple Pay
Google Pay
Samsung Pay
UOBVisa

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

Review

A Flexible Cashback & Rewards Card for Everyday Digital Spend

The UOB EVOL Card is a lifestyle-oriented credit card designed for users who spend regularly on online platforms, digital wallets and everyday entertainment. From 1 January 2026, the card’s rewards structure has been refreshed to focus on a blend of cashback and reward points, with a moderate minimum spend requirement that suits frequent digital spenders.

Under the updated structure effective from the start of 2026, cardholders earn up to 10% cashback on online spend and 5% cashback on e-wallet top-ups, subject to a minimum monthly retail spend of RM1,000 and a monthly cap of RM15 per category. In addition, the card offers 5X UNIRinggit on entertainment and dining, and 1X UNIRinggit on other retail purchases, allowing you to collect points that can be redeemed or used to offset spend on the UOB TMRW platform. Cashback and UNIRinggit earnings are credited in the following statement month. In practice, this card works best for users who regularly spend online or top up e-wallets every month and can comfortably meet the RM1,000 minimum spend.

The annual fee for the principal card is RM90 (charged as RM7.50 monthly). This fee is automatically waived each year with at least one retail transaction per statement month. The first 12 months of membership are also fee-free for the principal card. Supplementary cardholders can enjoy annual fee waivers under specified conditions. The minimum income requirement to apply is RM36,000 per annum.

Pros

  • High 10% cashback on online shopping and 5% on e-wallet reloads
  • Earn 5X UNIRinggit on dining and entertainment spend
  • 0% Easi-Payment Plan on selected categories (subject to UOB terms)
  • Easy monthly annual fee waiver with just 1 transaction

Cons

  • Requires a minimum monthly spend of RM1,000 to qualify for cashback
  • Monthly cashback is capped at RM15 for online and RM15 for e-wallets
  • Spending outside cashback categories earns minimal value

Cashback

Spend RM1000+
Category
Cashback
Cap
Online Spend
10%
RM15
E-Wallet Top-ups
5%
RM15
Other Retail Spend
0%
Uncapped
*

Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.

*

Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.

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Card benefits

No specific benefits listed.

Details

Product Details

Card Name
UOB EVOL Card
Issue Bank
UOB
Network
Visa
Annual Fee
RM 90

Eligibility

Minimum Annual Income
RM 36,000
Minimum Age
(Principal) 21 Years Old
Max Age
No limit

Rates & Fees

Annual Fee
RM 90
Fee Waiver
(Principal) RM7.50 per statement month, waived upon 1 retail* transaction made per statement month Fee waived for the first 12 months
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. Transaction in foreign currency other than Ringgit Malaysia shall be converted at UOB’s prevailing foreign exchange rate and/or an exchange rate determined by the 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.