Background

Name of card: UOB One Credit Card

Card benefits: [Summary table from T&C]

Issue

There was zero cashback credited in my October 2023 statement. By right, I should be entitled to the following cashback for the statement month:

Petrol - RM10.00 (xx transaction of RM100.00 on 26 Sep 2023)
Grab - RM10.00 (xx transaction of RM100.00 on 06 Sep 2023)
Groceries - RM0.59 (xx transaction of RM5.85 on 02 Oct 2023)
Dining - RM10.00 (xx transactions of >RM100.00 during the month)

In my November 2023 statement, there appears to be adjustments made for some of the missing cashback from October 2023.

By right, I should be entitled to the following cashback for the statement month:

Petrol - RM5.00 (xx transaction of RM50.00 on 08 Oct 2023)
Grab - RM10.00 (xx transaction of RM100.00 on 06 Oct 2023)
Dining - RM10.00 (xx transactions of >RM100.00 during the month)

Total cashback earned (Oct + Nov 2023):
Petrol - RM10.00 + RM5.00 = RM15.00
Grab - RM10.00 + RM10.00 = RM20.00
Dining - RM10.00 + RM10.00 = RM20.00
Groceries - RM0.59 + RM0.00 = RM0.59

However, the cashback credited in my November 2023 statement does not tally for Grab (only RM10 cashback credited when I should receive RM20) and Petrol (only RM10 credit when I should receive RM15). Therefore, in total, I am still missing RM15 cashback.

Summary

Based on the Terms & Conditions of the UOB One credit card, I received incorrect cashback for two months in a row. I have called and emailed UOB Malaysia on this matter, which unsatisfactory outcome as the cashback crediting is still inaccurate. I am still missing RM15 cashback that I have rightfully earned based on the terms and conditions of the UOB One credit card.

This is my final email to UOB Malaysia on this matter. I have provided all required proof. If UOB Malaysia fails to credit the cashback to my account within 7 working days, I will escalate this matter to Bank Negara Malaysia (who are cc-ed to this email).

It is extremely disheartening that UOB Malaysia is unable to fulfil the basic cashback features of its credit cards, and customers have to chase the company multiple times for what is rightfully theirs.