current t&c, effective 1 Apr 2025

1) yes, no specific exclusion to Utilities (direct payment)
2) yes, no specific exclusion to Utilities (direct payment)
3) yes, no specific exclusion to Utilities (direct payment) -- no changes on this term

Requested annual fee waiver on my wife's UOB One Classic (the first of our multiple One cards to kena with the new limits).

Only granted half waiver. Spending did not hit RM15000 (nowhere close, spend per month is 500/800). When comes to my turn I'm going to try bang table a bit more and see if its negotiable (possibly not).

But the 15k spending criteria only starts Jan2026.

Hmm, wonder why no full waiver then. Problem is UOB won't allow me to speak on behalf of my wife, and I'm the one who handles all these details normally. Maybe go through email.

I used the cancel card method.
Or cancel UOB1Basic n get UOB1 Platinum.

This post has been edited by MGM: Oct 25 2025, 09:56 AM

Banks can’t do on-behalf instructions
They can take instruction from principle if she’s your supplementary card holder.

Public bank was fine with she call, she give permission and then I discuss the details.

UOB on the other hand, even if I am talking to her in the background the bank officer will say "ma'am, I need you to talk to me not your husband". Understandable but annoying.

Yeah, that was the same BS UOB gave me as well. They only relented when I pointed out that this new criteria has yet to be in effect.

This post has been edited by talexeh: Oct 26 2025, 08:23 AM

So u got the AF waiver?

Yes, the CS claimed that they would help me to "resubmit" my application & I got it the next day.

This year UOB spending has allowed me to redeemed 3 return tickets to Japan, 3 return tickets to Taiwan & 1 return ticket to London. Hope they'll waive my cards annual fee

which card and how much u spent this year?

This post has been edited by joice11: Oct 26 2025, 10:58 AM

Hi sifus,

I just got the EVOL card. I am aware that this card has many restrictions such as insurance, telco, utility, petrol all cannot. I would like to know what other users are spending on with their EVOL card for eligible cashback. (Online spending is a broad category so I am curious what other online transactions are eligible).

Is spaylater and grabpaylater repayment count as online spending?

finally, more reasonable card replacement fee

Woah... I didn't know it was RM 50 per replacement card.

This year alone, I replaced x1 world card (CVV somehow disappeared) and x3 PME (x2 incidents of unauthorised use and x1 faulty chip). Need to check back statement to see if any charges were mande...

Fraudulent use not your fault, won't kena la

Same, when call to request fee waiver they said will call back few days later. My wife told me bank call say already waive after that I check only half waiver.

Effective 31 October 2025, the terms and conditions for UOB ONE Card is updated to:
1. exclude utility bills, postal services and religious related transactions from Cash Rebates and Minimum Retail Spend. Revisions have been made in Clause 2 and 3.
2. include the terms of usage of credit card which is strictly for personal and non-commercial use. Revisions have been made in Clause 28 & 29 under the General Terms and Conditions section.

Reference
https://www.uob.com.my/personal/announcement.page
https://www.uob.com.my/assets/web-resources...ard-tnc-eng.pdf

here you go...

would appreciate if any kind soul would help to answer ^^