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
| Category | RM1,000+Total monthly spend | Cap |
|---|---|---|
Online Spend | 10% | RM15 |
E-Wallet Top-ups | 5% | RM15 |
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.
Rewards Points
| Category | Multiplier | Cap |
|---|---|---|
Entertainment | 5xUNIRM | Uncapped |
Dining | 5xUNIRM | Uncapped |
Retail purchases | 1xUNIRM | 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.
Points Conversion
Best CPM is calculated based on the highest earn rate available for each points program. A lower CPM indicates better value. Click on a row to see CPM at different earn rates.
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.
Cashback Calculator
Cashback estimates are for reference only. Actual rewards may vary by merchant category, exclusions, and bank terms. Please refer to the official terms for final confirmation.
Monthly Spend
Estimate monthly cashback from eligible category spend.
Cashback Summary
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
Enter eligible spend by category to estimate your miles.
Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Card benefits
No specific benefits listed.