1. Personal
  2. Cards
  3. Tools & Tips
  4. Account Structure Change

ACCOUNT STRUCTURE CHANGE

  • Account Structure ChangeAccount Structure Change

    We are upgrading to serve you better

Overview

We are upgrading our system to provide you with a seamless payment experience and a better overview of your spending. Effective 25th September 2021, the system upgrade enables your Supplementary card payment and charging arrangement to be combined with your Principal card. Hence, the Principal cardholder will have an overview of the spending on the Principal card and all its Supplementary cards.

What to expect

Combined total balances

Combined total balances

The total balances of your Supplementary card will be combined with your Principal card.

SST and Annual Fee charges

SST and Annual Fee charges

It will still be charged for each individual Principal card and Supplementary card.

Payment only to Principal card

Payment only to Principal card

You no longer have to make separate payments to your Principal and Supplementary card accounts.

Only one minimum payment due

Only one minimum payment due

On your statement, only one minimum payment due will be shown and it is consolidated at the Principal card level.

Auto Fund Transfer

Auto Fund Transfer

Your Supplementary card’s Auto Fund Transfer instruction will be discontinued.

Standing instruction

Standing instruction

No change to your Supplementary card’s Standing Instruction unless you choose to cancel it via our Personal Internet Banking or UOB TMRW app.

Supplementary card limit

Supplementary card limit

If you have nominated a separate limit for your Supplementary card, it will now be a Monthly Spend Limit and is refreshed upon statement date.

Current vs New

See the difference

See the difference

 

Supplementary Cards Monthly Spend Limit

If you have nominated a separate limit for your Supplementary card, it will now be a Monthly Spend Limit and is refreshed upon statement date.

For example, for a Supplementary cardholder with a Monthly Spend Limit of RM5,000 and statement date on the 1st of each month:

Date Action Available Monthly Spend Limit Remarks
01 January - RM5,000 Monthly Spend Limit is refreshed on statement date
10 January Purchase of RM2,000 RM3,000  
13 January Purchase of RM1,000 RM2,000  
20 January Attempted purchase of RM3,000 RM2,000 Transaction declined due to insufficient Monthly Spend Limit
25 January Payment of RM1,000 RM2,000 Available Monthly Spend Limit is not increased upon payment
01 February - RM5,000 Monthly Spend Limit is refreshed on statement date


Kindly refer to our updated Visa/Mastercard Cardmember Agreement.