Better setup both : Alipay and weixin pay before travel. Some merchant use diff payment.
Weixin - limited to 3 card (green card)
Alipay - can put more than 3 card. You can set priority payment and rename card. Can get summary of total expenses and category. You can export out as well. (blue card)
There is one time merchant help me to pay from alipay to his wechat (cross payment). If one cc failed, it will help you to failover to next cc. Therefore advice to put more cc inside

Make sure both are verified with passport before travel.

Alipay also can get metro and bus qr for payment. I prefer alipay as more friendly to non chinese people. Weixin sometime in chinese, so i use another phone to do translation. Didi also in Alipay (English)

Bring 2 phones . one for help u to do translation (non chinese). Download the language first.
Use MY roaming so u dont get block on their firewall. No need vpn.

Some tips:
a) Use Amap - navigation (english friendly)
b) Apple Map work. Amap better.

If you know chinese, then no major issue compare to me.

This post has been edited by ericlaiys: Jul 25 2025, 10:44 AM

Thanks all!

what is green card and blue card? I didn't know about 3% charges above RMB200 It is easily break RMB200 I think.

Between, do we able to waive AF by calling CS this year? However starting next year so far nobody could confirm right?

This post has been edited by silverong: Jul 25 2025, 11:37 AM

Some shops won't entertain to break.

the card show qr on merchant, then u know it is wechat or alipay when payment and know which method to use.

It is every payment. hardly reach 200RMB, unless attraction or you buy expensive stuff.

This post has been edited by ericlaiys: Jul 25 2025, 12:09 PM

Hi guys, the annual fee charge to the card is for the previous year fee or upcoming year fee?

Upcoming.

hey guys, anyone successfully waive their AF for zenith or vi cards?
checked with them, need to spend 100k(zenith) , 50k(vi) , for one month to get it fully waived.

There is no AF for Zenith. The minimum spend requirement in not applicable for Zenith.

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

Your only solution is to get the spend bonus and go to reward redemption, redeem the points for annual fee waiver but you need to have annual retail spend of RM 240K and above.

a. Subject to these terms and conditions, the Cardmember shall receive 250,000 UNIRM (“Spend Bonus Points”) if the: -
(i) Cardmember meets the cumulative annual retail spend of RM240,000 and above.

On the free grab ride home we can redeem max twice a month. Every time before we use need swipe 3x overseas. means need swipe 6 times to be entitled to 2 trips per month right?

hmm i see. because i just walked in to their branch and asked about it. they told me waiver > 100k(a month) for zenith and 50k(a month) for vi.
so ended up applying for PME. 50k (annually)

100k (a month) is lile rm 1.2mil p.a. , i think you typoed this.

Normally, annual spend limit is like rm 50k or 100k p.a. .

That's the thing with UOB cuatomer service some of them are a bit blur and say different things but their website is quite clear on that.

You can call them or drop them an email to tripple check.

not entitle for any cash rebate and will not be counted in accumulated RM 800.00 spending?

or is not for THIS statement and entitle for any cash rebate and will be counted in accumulated RM 800.00 spending for NEXT statement?

yes i double and triple checked with them lol.
not every month, but need to sign 50/100k in one of the 12 months. i also confused, didnt know there is such terms before.
and i actually walked in to their branch and ask.
it doesnt make sense also, because requirement 192k PA salary, but need to whack 100k in one of the 12 months.

Hi guys, I last used the Citibank credit card a few years back before it was converted into the UOB One card.

I have some questions:

1) For the Grab cashback, can I just to-up into Grabpay and then consequently into Setel? Any fees?

2) Does online versions of grocery stores, e.g. Lotus, count for grocery cashback?

3) Does online versions of dining stores, e.g. McDonalds, count for dining cashback?

4) Do TouchnGo reload in Shell/Petronas count for Petrol? Similarly, does TouchnGo reload in grocery supermarket count for groceries?

not feeding so not giving direct answer but maybe this is good for you to think to understand the principles

for "online" transaction, it's a mode of payment like "contactless" or it has its own special MCC for "online"? think about it.

similar for your question 4, are you using your card use to pay to the same card terminal machine in shell/petronas/grocery supermarket that you use to pay petrol or grocery? what is the MCC?

the card terminal machine will have different MCC each time and got AI to recognize what you bought? think about it.

This post has been edited by skty: Jul 27 2025, 01:59 AM

SMS:
"RM0 UOB Cards: Thank you for using your UOB Card ending 1694 @ AIRALO for USD 1.50 23/07 05:18. For any enquiry please call UOB."

Anyone know about this fraudulent transactions?

Called customer service to block my card already on 23/7, they say must call them again to make dispute after the transactions have been posted. My statement date is 23rd, already posted to my latest statement, so fast? Very troublesome to call cs again. the first day i called them, they let me hear those t&c and divert me to different cs.


AIRALO +6583029360 SG 1.50 USD





This post has been edited by ktyong123: Jul 27 2025, 10:11 AM

Airalo is e-sim provider. Have you sign up with them before? I used their service before but not on credit card, I use gxbank card and I do see unauthorised attempts to charge my card before but failed because I don't keep any balance in it.

This post has been edited by Barricade: Jul 27 2025, 10:17 AM

I never buy e-sim online, i even don't know AIRALO before this incident! At the first glance, i guess it is a budget air operator.

This post has been edited by ktyong123: Jul 27 2025, 10:20 AM

lucky is small amount. it is recommended to lock cc when not use. (if bank offer this service).

Thanks for the info,

I got my card early this year and they charged me annual fee in May.

I already hit RM 150K, another 100k to go. I will try and call first to get AF waiver, after that, we'll see if they will award me the Spend Bonus points.