ask yourself

can you pay any other way except online?

For those holding UOB Zenith, do take note that the changes to T&C (source: https://www.uob.com.my/personal/announcement.page)

The announcement mentioned changes to Clause A.(I).d , Clause 13 and 14 but the changes below are not mentioned.

Impact? Basically, the exclusion of items has been expanded; this will reduce your "Cumulative Annual Retail Spend", which will increase the likelihood of a person paying an annual fee i.e. RM 1,000.

Seeking clarification from UOB.

1 August 2025 (source: https://www.uob.com.my/assets/web-resources...ugust-2025.pdf)


31 October 2025 (source: https://www.uob.com.my/assets/web-resources...rd-tnc-eng.pdf)

Did you not read what the eligible transactions are when you applied?

I've been using it for show tickets, flights... as long as it's online. But I appreciate the cashback on parking, so..

I have other cards for insurance, telco, etc, so no biggie for me personally.

my question is what online transactions everyone is mainly using the card for. Don't really understand what you are trying to say.

I read the T&C and apart from the other categories, the online non ewallet only states all merchants not listed within the exclusion mentioned. Not the other way round. So I am just gathering some examples of common online transactions everyone is using the card for which I did not think of.

Hmm flight tickets, didnt thought about that. Thanks.

also my other question, do you know if i pay telco or utility using spaylater and then pay spaylater with EVOL, does it entitle for cashback? I saw some saying spaylater is considered online spending but not from recent replies.

nobody know when it will change tnc, so far nobody report cannot get cb from spaylater

Anyone using world card here? It written when you hit annual spend of 48k, you get 125k of uniringgit, does the annual spend include of insurance monthly premium, time/unifi, and electricity tnb payment?

it should be include all total. not by category

and i just received my card yesterday.. seems like alot of 'expanded terms'

How much is 125k uniringgit worth?

It’s worth 1 free Economy flight ticket to Bali on Singapore Airlines

Congrats, lol... you will be slapped with RM 1K un-waivable annual fee later.

I just got a call from UOB as well. They told me my minimum cumulative spend from April to October, which is more than RM 240K is counted, but going forward, because all the transactions I make fall under the exclusions, they say it is not counted for the annual fee.

I gave her a piece of my mind, saying all the discrepancies between all the other cards (how they calculate min spend) and lack of notice (this wasn't a clause that was highlighted by UOB in their announcement).

At most I can only use it for 1 more year; then I will have to find a new card, most likely UOB VI.


If you are using World Card for point conversion, than not much. If you using other premium/higher-tier cards, then maybe you got some worth.

Nolar, where got so much.

The conversion rate for the World Card is 20K UNRIM to 1K Kris/Enrich (125K = 6K Kris/Enrich).
Unless, he convert using Zenith Card, which mean 7.4K UNRIM to 1K Kris/Enrich (125k = 16K Kris/Enrich), then maybe.

That 6k miles is worth 1 way Economy ticket to Bali. Return pay on his own

Faham.

Eco saver - min also needs 8,500 miles [KL - DPS or SIN - DPS] one way.



https://www.singaporeair.com/krisflyer/mile...iles-calculator

25000 miles

In order to pay Grab Paylater using autodeduct from credit card without incurring 1% fee, do I need setup AUTO TOPUP too?
Currently my wallet balance is 0, autodeduct set to EVOL cc, and PAYLATER of RM44 due on 7Nov.
Would the mcc code be 6540 for all cc cos I also have HSBC-Amanah-Platinum which requires 6540 to get cb?

This post has been edited by MGM: Nov 2 2025, 10:17 AM

No need enable auto top up, just need setup auto deduct.

Family mart is under dining or grocery?

This post has been edited by Ramjade: Nov 2 2025, 09:33 PM

Sis, what card is good for paying insurance premium?
Looking one for that.

Affin Duo Cashback Visa counts insurance premiums for cashback purposes. So does Alliance Visa Signature. Most other cards will count it as filler spend (many cards nowadays need 'other spend' to top up).

UOB told me earlier this year that I will have auto Annual Fee waived, when I told them I’m considering to cancel my card. But today saw my card got charged the AF. Do I really have to submit AF waiver and call them up every single year? Man they really pissed me off