Lazada UOB Card

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!

Lazada UOB Card10X UNIRM for Lazada & Lazada wallet spend
Min. Income
RM2,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Apple iPad PRO M4
worth RM4499
when you apply through RinggitPlus *

Apple iPad PRO M4

Our Previous Winners

Rewards

Get 10X UNIRinggit (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!

UOB UNIRinggit
EarnSpend
10 points on every RM1on Lazada and Lazada Wallet spend
5 points on every RM1on selected online lifestyle and entertainment, telecommunication and insurance spend
1 point on every RM1on other types of spend

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 (can be collected every 8th of the month) 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.

Balance Transfer

Are credit card bills hanging heavy over your shoulder? Enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit card holders, respectively, via UOB Balance Transfer. The UOB Balance Transfer Instalment also offers a fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest over 12, 24, 36, 48 and 60 months. These offers are valid until 31 December 2024 with a minimum transfer of RM1,000 or up to 80% of the credit limit/available limit, whichever is lower.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 1%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
12 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
48 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
60 months1.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer Instalment

Easy Payment Plans

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

UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months2.99% one-time upfront handling feeRM500
6 months2.99% one-time upfront handling feeRM500
12 months8.15% p.a.and no one-time upfront handling feeRM500
24 months8.15% p.a.and no one-time upfront handling feeRM500
36 months8.15% p.a.and no one-time upfront handling feeRM500
48 months8.15% p.a.and no one-time upfront handling feeRM500
60 months8.15% p.a.and no one-time upfront handling feeRM500
Learn more about UOB Easi-Payment Plan
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM100 primary card

    Waived when you spend RM15,000 and above annually. In addition, eligible cardmembers whose application is submitted during the Campaign Period and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver

  • RM70 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
UOB Easi-Payment Plan
Longing for a brand-new item this year? Spend with a UOB credit card and convert a minimum purchase of RM500 into an affordable monthly instalment plan.
UOB Instalment Payment Plan
Shop your desired items from gadgets to retail fashion and others with a UOB 0% Instalment Payment Plan at any participating merchant outlets!
Balance Transfer Plans
UOB Balance Transfer
Get flexible repayments with UOB and enjoy 0% and 1% one-time upfront handling fees over 6 months for new and existing UOB credit cardholders, respectively, valid until 31 December 2024.
UOB Balance Transfer Instalment
With the UOB Balance Transfer Instalment, you pay the same instalments every month for up to 60 months. Manage your mounting credit card debts now and enjoy fixed 1.99% p.a. interest for new cardholders while existing cardholders get as low as 2.99% p.a. interest.

Review

Introducing the Lazada UOB Card for those who love to shop online and be rewarded handsomely!

10X UNIRinggit on Lazada and Lazada Wallet

Every time you shop at the Lazada app, it gets even more rewarding as you will earn 10X UNIRinggit when you check out using your Lazada UOB Card. Not just that, reloading your Lazada Wallet gets you 10X UNIRinggit too.

UNIRinggit Spend at/on Maximum spending
10X UNIRinggit for every RM1 Lazada and Lazada Wallet spending Capped at RM500 cumulative per statement month
1X UNIRinggit for every RM1 Lazada and Lazada Wallet spending Above RM500 per statement month

An illustration: Cumulative Lazada and Lazada Wallet spend of RM600 per statement month.

  • (RM500 X 10 UNIRM) + (RM100 x 1 UNIRM)
  • 5000 + 100
  • 5100 entitled UNIRinggit.

5X UNIRinggit on selected categories

Shopping and paying bills online are the new norm now. It is seamless and can save you a lot of time too. So, when you pay for your online entertainment bills such as Netflix, Spotify, ClassPass, PlayStation and others every month, 5X UNIRinggit are yours!

Plus, online lifestyle or food delivery such as foodpanda, Grab, KURIN, DeliverEat and Domino’s are included in this category as well. Not to mention, paying for your phone bills and insurance online gets you 5X UNIRinggit as well.

UNIRinggit Spend at/on Maximum spending
5X UNIRinggit for every RM1 Selected online lifestyle spending namely
1. DeliverEat
2. Domino’s
3. foodpanda
4. Grab
5. KURIN

Selected entertainment spending namely
1. Apple
2. ClassPass
3. iflix
4. Netflix
5. Playstation
6. Spotify
7. SteamGames
8. YouTube

Telecommunication and insurance spend
Capped at RM500 cumulative per statement month
1X UNIRinggit for every RM1 Selected online lifestyle spending namely
1. DeliverEat
2. Domino’s
3. foodpanda
4. Grab
5. KURIN

Selected entertainment spending namely
1. Apple
2. ClassPass
3. Iflix
4. Netflix
5. PlayStation
6. Spotify
7. SteamGames
8. YouTube

Telecommunication and insurance spend
Above RM500 cumulative on the same statement month

Monthly UNIRinggit spend bonus

Shopping gets even more rewarding with the Lazada UOB Card. Earn an extra 1,000 UNIRinggit when you shop and spend a minimum of RM1,500 in a statement month.

UNIRinggit Spend at/on Maximum spending
1,000 UNIRinggit for every RM1,500 Monthly UNIRM spends bonus RM1,500 or more in a given statement month

Other types of spending

For all of your other retail spending, you will get 1X UNIRinggit for every RM1 spent.

UNIRinggit Spend at/on Maximum spending
1X UNIRinggit for every RM1 Other types of spending mentioned above Uncapped

UNIRinggit redemption with Lazada UOB Card

UNIRinggit earned under a Lazada UOB Card can be offset or used to pay for your Lazada purchases via the UOB TMRW app. Check out the T&C to find more details about redeeming your UNIRinggit.

Exclusive Lazada vouchers, free shipping and monthly deals

Other than the benefits mentioned above, there are more exclusive deals and rewards when you sign up for the Lazada UOB Card!

  • RM28 Lazada Voucher every Monday via the Lazada app, subject to a minimum spend of RM200 in a single transaction and is limited to Lazada registered customers and 500 redemptions weekly – 1X redemption, per week, per customer. Lazada UOB Credit Card Offer T&C
  • RM8 monthly discount voucher via the Lazada app on the 8th of every month, subject to a minimum spend of RM45 in a single transaction and is limited to Lazada registered customers and 2,700 redemptions monthly – 1X redemption, per month, per customer. Lazada UOB Credit Card Offer T&C
  • RM5 worth of free shipping vouchers every Friday via the Lazada app, subject to a minimum spending of RM15 in a single transaction and is limited to Lazada registered customers and 600 redemptions weekly – 1X redemption, per week, per customer. Lazada UOB Credit Card Offer T&C
  • Exclusive Lazada mega-sales vouchers and year-long discounts, specially curated for Lazada card members. Lazada UOB Credit Card Offer T&C

Who can apply for this card?

Anyone at the age of 21 years and over and has a minimum annual income of RM24,000 or RM2,000 monthly can apply for a Lazada UOB Card.

What are the required documents to apply for a Lazada UOB Card?

For Malaysians, please prepare the following documents to make an application.

Salaried employee:

  • Copy of your IC (front and back)
  • Latest 3 months' salary slips

And any of the following documents:

  • Latest Form B/BE (supported with tax payment receipt)
  • Latest EPF statement
  • Latest 3 months' bank statements
  • Latest BE Form with a tax receipt

Self-employed:

  • Copy of your IC (front and back)
  • Photocopy of Business Registration Form
  • Latest BE Form with a tax receipt
  • Latest 6 months' bank statement (showing business turnover)

For foreigners, please prepare the documents below.

Salaried employee:

  • Copy of Passport and
  • Latest 2 months' salary slip
  • Work permit valid for at least one (1) year at the time of application and
  • Letter of employment

What is the annual fee for the Lazada UOB Card?

The annual fee for the principal card is RM100 and RM70 for the supplementary card. You can enjoy an annual fee waiver simply by spending RM15,000 and above yearly.

Note: In addition, eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver. Check our page to find out more about the flash deal.

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