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TMRW made more rewarding
View and redeem your rewards on the UOB TMRW app. Enjoy exclusive deals and UOB coupons in the palm of your hand.
Find out more
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Get rewarded with amazing card benefits
12X UNIRM on Selected E-commerce Spend & E-wallet Reload
TnG, Boost, BigPay and iTunes
(any spend above RM300 per merchant will earn 1X UNIRM per RM1 spent)
Spend Bonus UNIRM
Bonus 125,000 UNIRM with an annual spend of RM48,000 and above
5X UNIRM on Everyday Spend
Spend at selected departmental stores & supermarkets/hypermarkets
(any spend above RM3,000 will earn 1X UNIRM per RM1 spent)
5X UNIRM on Overseas Spend
Accelerated UNIRM earning
(any spend above RM24,000 per year will earn 1X UNIRM per RM1 spent)
6X Complimentary Airport Lounge Access
Complimentary access to Plaza Premium Lounge and UOB Private Lounge at KLIA Terminal 1
1X UNIRM
1X UNIRM for every RM1 spent locally
Redeem items with your UNIRinggit
UNIRinggit (also known as UNIRM) refers to reward points that you earn as a cardmember
Pay with UNIRinggit
Make a payment first, then offset your purchases with UNIRinggit on UOB TMRW. Make your UNIRinggit count by fully or partially offsetting your purchases.
UNIRinggit Rewards Catalogue
Start browsing through our UNIRinggit Rewards Catalogue here
Card Eligibility & Annual Fees
Minimum Income Requirement
RM60,000 per annum
Age Requirement
Principal Cardmember: Age 21 or older
Supplementary Cardmember: Age 18 or older
Annual Fee
Principal: RM600
Supplementary: RM150
Effective 1 January 2026, spend a minimum of RM50,000 per annum* and enjoy UOB World Card privileges without the annual fee.
*Total spend is calculated from the 1-year period before your UOB World Card annual fee is charged
Required Documents - Malaysian
Salaried employees
- Photocopy of MyKad (both sides)
- Latest 3 months’ salary slip 1
AND any of the following
- Latest Form B/BE (supported with tax payment receipt)
- Latest EPF statement
- Latest 3 months’ bank statements
- Latest BE Form with tax receipt
Self-employed
- Photocopy of MyKad (both sides)
- Photocopy of Business Registration Form
- Latest BE Form with tax receipt
- Latest 6 months’ bank statement (showing business turnover)
1 Number of months of salary slip required will depend on the job nature of applicants
Required Documents - Foreigners
Salaried employees
- Copy of Passport
- Latest 2 months' salary slip1
- Work permit valid for at least one (1) year at the time of application
- Letter of employment
1Number of months of salary slip required will depend on the job nature of applicants
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