why not?

charged on 1/8, waived on 3/8

u request to waive or automatically waived?

Why not call the CS to check if the mcc is one of those qualified mcc?

mine called to waive annual fee.

credited same day with email notification.

call in to request.

They waived my infinite RM600 on 4/8, waived my one classic RM120 on 3/8

Can 1 have one Card And also platinum's also ?

possible if u r existing one basic cardholder
unlikely if not as it seems that Applications for ONE Classic Card are no longer accepted according to the website

Hi guys.. i am just wondering.. anyone here actually have taken the UOB Zenith as a complement to your Prvi Miles Elite or VI in order to take advantage of the 7400 UNI to 1000 Miles conversion ? Is the Rm1000 AF worth it ? It does boost up the miles per ringgit by 60% ...

I guess if u really spend a lot locally around 150-200k per year, or oversea spending (for example 50k per annum), then it might worth to take Zenith.

Don't forget to take UOB World card for the Bonus 125,000 UNIRM if u hit the spending of 48k per annum.

If spend less than 100k per annum, better just save the money. U better just take CIMB World travel (& elite) for better lounge access and 'cheaper' annual fee.

The problems with Zenith Card, if you are planning to use the card for daily spending and accumulate points, this card is pretty bad at that.

Rm 1 locally = 1x UNRIM
RM 1 spent overseas = 2x UNRIM

The current conversion rate is 7400 UNRIM to 1K Miles

The miles per ringgit as follows:

Local spend - 1 airline mile = RM 7.40 [0.13 MPR]
foreign spend - 1 airline mile = RM 3.70 [0.27 MPR]

In contrast with PME

RM 1 locally = 1x UNRIM
RM 1 overseas (except for Sg, th, vn and Idn, which is x12) = 10x UNRIM

The current conversion rate is 12000 UNRIM to 1K miles

The miles per ringgit as follows:

Local spend - 1 airline mile = RM 12 [0.08 MPR]
foreign spend - 1 airline mile = RM 1.2 [0.83 MPR]

From a MPR standpoint, the Zenith is a complete train wreck.

The good thing is you can pool UNIRM points across UOB credit cards but the problem is you end up splitting your minimum spend (starting next year, annual fee is only waivable provided you meet minimum spend criteria). You can use cards that have good point collection like PME for overseas spend, and redeem the air miles using Zenith. Please note AF for Zenith is not waivable and will be charged immediately upon you obtaining the credit card.

I was told the Zenith and VI combo is much better (instead I have Zenith, PME and World, didnt get VI also because PPL mainly Asia focused), but I am dying already with the minimum spend requirement for Zenith. In which case, if you spend min RM 240K, you can redeem 250K unirm to offset the AF.

So if you chose this path and don't mind paying AF, there are some benefits can soften the blow (look for mastercard priceless experience: https://specials.priceless.com/en-my/cardho...Id=202405290004 ):

1. I recommend the complimentary lunch set for 2 (hotels vary but I highly suggest don't go for 4 seasons Nobu, food is overrated) - these set lunch is about RM 200 per pax, so you get back around RM 400 bah.

2. hotels offer stay 4 nights and get 1 night free deals, quite worth, hotel choices many but read fine print ya.

3. get discount on airlines, example Batik, Eva, Qatar, MAS, firefly

4. had Grab Unlimited for free, 2 months? (now can't find)

So yeah, use those benefits/discount enjoyed to offset the annual fee, if you can't meet the min retail spend.

This post has been edited by aurora97: Aug 6 2025, 05:16 PM

That's why Zenith is only for redeem air miles (i am doing the same thing).
Use World for daily use (must hit the annual UNRIM bonus)

Either use
PME for air ticket, agoda hotel booking and oversea spending.
or
VI for air ticket, hotel and oversea spending + DragonPass

for me now not worth it. now uob got spending amount for annual fees to waive. i just use pme for oversea, enjoy grab car benefit and lounge.

Just for clarification, for the current AF waiver for new to bank customer, I have cancelled my UOB lazada card (used to be Citi Lazada) in January 2025, does it mean i am not eligible for this waiver and will be slapped with RM600 (PME card) the moment i activate the card ?

I participated in the new to bank campaign as well, the World card (waive AF for 1 year) and the PME (waive for 3 years). I saw from website they still seem to have some campaigns going on for PME "Get RM400 cashback & 1-year annual fee waiver when you apply for UOB PRVI Miles Elite Card.". I think its best you check with UOB to be absolutely sure whether you will get slapped with AF or waived for 1 year,

In any case, please take note: "Effective 1 January 2026, spend a minimum of RM50,000 per annum* and enjoy UOB PRVI Miles Elite Card privileges without the annual fee.
*Total spend is calculated from the 1-year period before your UOB PRVI Miles Elite Card annual fee is charged.

Harap maklum. Sekian Terima Kasih.

Just checked, MCC 6540. It is eligible for cashback as confirmed by customer service.

If it is fallen under MCC 6540 which is what Grab Pay is categorised as, it should be eligible for cashback.

In july i can see option to pay Paylater with cc, but b4 7Aug due date the option was gone n can only pay with grabpay even though balance was zero. Sian.

That's fast. Did you go through live agent or just the automated IVR where you key in your card number & phone number to have the waiver processed?

first, i did the ivr.

then i called and talked to human agent to get AF waiver (and SST rebate, which not offering anymore, no harm asking)

SST rebate can be requested from retention dept.