if i am you, i'd already spent 800 starting this month (statement in June).

1 month earlier, wont kill you la

i wouldn't be surprised if the customer service gave incorrect information
last time was told by the customer service that ineligible to apply for both classic and platinum one card and it turned out to be incorrect

since there is a black & white, could always dispute later
now they might 'rectify' it

So retention team called and counter offer me RM25 rebate to keep the card.
I told her i have another 3 cards (Nov, Feb, April) can tumpang or not, she checks and says ok

Then asked her any BT 0% , offer me 12m 0%

Keep another year for this card, dunno why they die die dun wan cut cause this card (UOB Simple) is zero usage for me

My Statement is on 7 June, still thinking whether need to hit RM800 spending.

Seems like no one can confirm :0

question to self, is it hard to spend another rm300?

if yes, then take the risk lor

if no, then why not?


even if you're lucky this month no need 800, eventually the following months will still need to hit 800. one way or another, at most you just enjoy 1 cycle difference.

Anyone applied using foreign salary?

hi, do you guys think is it better to apply the credit card via ringgitplus/comparehero or directly from uob website? if i apply via ringgitplus/comparehero, i just worried that the information we provided to them will be leaked. but the signup offer by them is quite attractive.

i always sign up using ringgitplus since few years already. recently just apply for uob.
quite fast
1 day ringgitplus verification
1 day uob verification
2 days later- card approved,
1 day - card showed on app.
now wait for them to deliver to bank so i can collect

do you apply for the uob savings account to pay for the credit card?

You can pay for credit card from any bank's savings account. You should only open UOB savings account if you need it for something (for e.g. UOB One is pretty good as a high-interest rate savings account if you have >100k cash).

i'm already an existing uob saving acc user. You can use other bank to pay. But i prefer uob one saving account as it constantly pay 4% pa.
use for few years

This post has been edited by ericlaiys: May 31 2025, 09:31 PM

is it possible to sign up for the uob one saving account without the debit card? because i just want to utilize the saving account without the debit card. and i dont want to pay for the debit card annual fee

nope

can opt for no af bsa with limited wd over counter/atm

https://www.uob.com.my/personal/useful/fees...gs-account.page

This post has been edited by tan_aniki: Jun 2 2025, 10:49 AM

i might try with open the uob one account but not activating the debit card and see how it goes

Yes possible for One account. Mine opened without debit card since day 1.

Finally got charge for annual fee RM120 for UOB One Classic since the Citi migration.

Just called for waiver and need to wait first maybe for few days for reversal.

I look at the TnC, looks like starting Jan 2026 they want us to use RM15k p.a in order to waive AF.

I think by then maybe need to think whether to keep the card or not since cashback requirements just changed earlier this month. 🥶🥶

didn't notice they added the minimum spending for subsequent waiver
but from past experiences, annual fee waiver was relatively lenient
retention team might also come up with 3-year annual fee waiver counter offer
well, we shall see if that ceases

This post has been edited by 1mr3tard3d: Jun 3 2025, 03:24 AM

That is for them to retain Citibank user during migration, now completed, too many users so time to retain those that frequent user and remove those idle

but my 'past experiences' was referred to pre-migration era
and i have been a customer of UOB only
but who knows if these will change in the coming days