do you intend to apply uob one mainly for petrol cb? if yes, you need to understand that they have a monthly allocation of rm900k first come first serve basis. usually this allocation will finished by the 13th of the month. any pump after that will have 0% cb.

- uob one platinum gets 5% petrol cb (max rm25 cb per month)
- uob one classic gets 5% petrol cb (max rm15 cb per month)

as per above, you get the cb credited in your statement month.

however, there is another t&c which is the petrol cb allocation of rm900k per month on first come first serve basis. usually by the 13th of the month, the rm900k petrol cb allocation will be finished. although you have not max our petrol cb (rm25 or rm15) for that month, but you will get 0% cb due to the allocation is finished.

yeah, based on our experience the average is 1st-13th. unless there are more new card holders to fight for the allocation then maybe earlier than 13th. but on the other hand, if there are more people cancel their card, then it may be longer than 13th.

basically, smart$ is a cash system while uniringgit is a point system. smart$ can be redeemed as cash at the participating merchants, while uniringgit can be redeemed for items.