In my experience, easily waivable. Mine was the Solitaire, so AF RM636. I used it solely for TNg reload, so only RM400 per month. They still offered to waive. But better to apply only when you actually need it. Plus, the groceries cashback is not a standard feature... It is renewable every year. Although its likely to continue, always better to wait for TNC to be published just in cash it changes.

Not much difference between classic, platinum and solitaire except card colour and 10% cashback allocation. It's 30, 50 and 80 respectively. Solitaire is very ugly.... A yellowish / beige rose with a fake diamond in the middle. Would have preferred red or pink. Or even an interesting colour like purple.

But at the end of the day no real difference,. Annual fees and spending requirements for auto fee waiver differ though.

I paid RM0.10 to Digi via UOB Pay Online and no charges on my Vox either. Otherwise it's 6.36.

Yeh, haven't figured out what to do with my last Vox cashback. Am still waiting for people to report on Yolo this month before I sign up.

Fingers crossed for you and thanks for being the brave tester

Based on my past experience, UOB promos quite easy to win. For example they had the PayPal and groceries promos earlier this year and I got full cashback even for very late swipes. I guess not as many people hold UOB cards compared to larger banks.

Mine's not yet in either. Normally one of the last batches to receive.

Finally received my 5% cashback, and my 0.3% was credited on statement date a week ago.

Now time to close shop!

Took me 15 minutes to get through to UOB CS today to cancel my Vox.

They were totally not bothered by the cancellation, and said that someone will call me either today or tomorrow to confirm.

Can't wait to get rid of this card!

Yes, this is a common problem. You have to call CS to resolve for you, and it takes some time. In my case, it took several phone calls over 2 months!

My case was:

1st card with UOB was Lady's Card. 2nd card was VOX.

I subsequently cancelled Lady's Card and Vox statement went POOF!

I called them several times, and they said they put in request to technical department bla bla bla. For 2 months I didn't get a statement. In summary. You have to keep bugging them and following up.

Uob is the slowest Bank of ever! I called on Monday to cancel, but I can still see card online. Even cancellation takes forever.

UOB is driving me crazy.

I called last week to cancel Vox - and they said they would get someone to call me in 1-2 days to confirm cancellation.

Today I called again to follow-up. And they said that they have no record of my cancellation request.

I am so glad to end this relationship with them.

You have to check the terms of the installment plan. Normally there is an early termination clause, so it is important you read if there are any penalties associated with it.

Ladies card now pretty redundant!

Luckily I didn't reapply.

Yes had it for nearly 2 years but terminated all my UOB cards with the Vox change because I wanted to be new to bank customer in the future in case got acquisition offers (last time I got a Lenovo phone). Plus my PBB WMC / VS has 8% / 6% on all groceries for now so no need grocery card.

Recently did a huge CC cut - terminated all CC with HSBC, UOB and RHB. Cancelled HLB Wise (but still got fortune). In Jan, MBB VS and Citibank Premiermiles will go too if AF kicks in.

I suggest you try calling the various Tesco outlets which you are familiar with before going so you don't waste any time. If you were given wrong info, at least you can also make a report.

I think Cold Storage also sell gift cards. Can try that?