United Overseas Bank - Personal Banking - UOB Cards - Debit Card

Benefits and Privileges at a Glance

Convenience of Accessing Cash Anytime, Anywhere

Your UOB Debit MasterCard is accepted locally at over 300 ATMs nationwide via UOB ATMs and via HOUSe network. HOUSe network is a shared ATM network between HSBC Bank Malaysia Berhad, OCBC Bank (Malaysia) Berhad, Standard Chartered Bank Malaysia Berhad and United Overseas Bank (Malaysia) Bhd. With this HOUSe network, you can check your balances as well as withdraw cash at a minimal charge*.

Plus, it is also your global ATM card. While travelling internationally there is also no need to worry about not having local currencies as you can access cash from more than 1 million ATMs in over 210 countries bearing the MasterCard, Maestro and Cirrus logo. Additionally with the UOB Regional ATM Service+, you can withdraw cash or check your balances at any UOB ATMs in Singapore, Thailand and Indonesia.

*RM1 service fee will be charged for every successful cash withdrawal transaction made at HSBC Bank Malaysia Berhad, OCBC Bank (Malaysia) Berhad and Standard Chartered Bank Malaysia Berhad by UOB Debit MasterCard cardholders..

+RM12 per cash withdrawal.

Security with Peace of Mind
With your UOB Debit MasterCard, there is no need to carry cash around as it allows you to make purchases without cash. Furthermore, all payment made on purchases++ requires signature verification.

++Except for online purchases.

Better Financial Control
Your UOB Debit MasterCard looks and works like a credit card but gives you greater control over your spending as purchases are drawn directly from your UOB Savings or Current Account. Thus, you can spend within your means and not worry about paying for monthly bills. All purchases made are reflected in your monthly bank statement, allowing you to manage your expenses wisely.

Exclusive Discounts All-Year-Round
Your UOB Debit MasterCard would now enable you to enjoy exclusive discounts, promotions and privileges offered by participating merchants, ranging from dining to shopping to travelling and many more.

Smart$ Cash Rebates Program

Earn 1% Smart$ Cash Rebates** when you pump or shop at BHPetrol stations nationwide to enjoy more savings.

Apart from earning Smart$ Cash Rebates at BHPetrol, you will also earn a minimum of 0.3% Smart$ Cash Rebates on retail purchases with your UOB Debit MasterCard at all MasterCard merchants and participating Smart$ merchants (excluding UOB ONE Card Smart$ merchants), identified by the UOB Smart$ logo.

The Smart$ Cash Rebates works like cash as you can use it to offset your future purchases at participating Smart$ merchants. For an updated listing of Smart$ merchants, please click here.

**Applicable for retail purchases with minimum amount of RM50 excluding petrol transactions. For payment(s) at BHPetrol, 1% Smart$ Cash Rebates is awarded for the first RM70.00 only of each transaction for up to a maximum of RM400.00 (per month per card account).
Note:

1 UOB Smart$ Cash Rebates is equivalent to RM1.

Smart$ Cash Rebates are valid for one (1) year.

To redeem the Smart$ Cash Rebates, inform the cashier and the balance purchases amount (if any) will be charged to your UOB Debit MasterCard.

The Smart$ Cash Rebates earned, redeemed and balance will be shown on your UOB Debit MasterCard transaction slip as well as the monthly bank statement.

Worldwide Acceptance & Recognition
Apart from a global ATM card, your UOB Debit MasterCard is also accepted and recognized at more than 25 million MasterCard merchants around the world, giving you unparalleled payment flexibility and convenience wherever you are.

Terms & Conditions Apply

Other Services

Banking Services

General Information

Banking Services

1. UOB 121 Phone Banking Service
Speak to our UOB 121 officers or be guided by a friendly automated voice response system, 24 hours a day, 7 days a week from anywhere to access your UOB Saving and Current Account.

Kuala Lumpur

(6) 03-26128 121
Penang

(6) 04-2401 121
Johor Bahru

(6) 07-2881 121
Kuching

(6) 082-287 121
Kota Kinabalu

(6) 088-477 121

2. UOB Personal Internet Banking
UOB Personal Internet Banking puts you in charge of your banking by giving you the freedom to bank at your preferred time. Open 24 hours a day , 7 days a week, 365 days a year, you can manage your finances anytime, anywhere. With a wide range of services like account enquiry, fixed deposit placement to UniRinggit redemption, you can be assured of the total convenience of online banking. Access your account balance anytime, transfer funds, purchase demand draft and many more. Click here to logon now or click here to find out on how you can register.

3. UOB PayOnline
UOB PayOnline offers you a consolidated payment solution and the convenience of paying multiple bills anytime, anywhere. All you need to do is log on to www.payonline.com.my to pay your utility and phone bills, insurance premiums, college fees and housing assessments with our growing number of service providers.

Note: For more info on how to register for UOB Personal Internet Banking and UOB 121 Phone Banking, please click here.

General Information

1. Foreign Currency Transactions
The exchange rate between the Transaction Currency and the Billing Currency used for processing International Transactions is a rate selected by MasterCard International. Rates may vary from the rate MasterCard receives from wholesale currency markets or the government-mandated rate-in-effect for the date of such posting and may be subject to adjustment by the Bank at its absolute discretion.

2. Lost or Stolen Cards
In the event your UOB Debit MasterCard is lost or stolen, please call UOB121 to report your lost or stolen card or if you are traveling abroad, you can contact the MasterCard Global Service at 1-800-80-4594 or call collect to United States at 1-314-542-7111.

Note: Telephone numbers are subject to change without prior notice. Please refer to our corporate website for updated phone numbers.

3. Protecting your Debit MasterCard

Always keep your receipts and use them to check entries with account
statements regularly.

Always memorize your PIN, and then destroy the PIN notification.

Always keep your card clean.

Always keep your card in a safe/secured place.

Always change your PIN periodically.

Always report immediately to your bank if your UOB Debit MasterCard is
lost/stolen or your balance is incorrect.

Note: You will assume no liability for unauthorised transaction(s) if you report your
lost or missing card immediately.

Do not allow a third party to transact on your behalf.

Do not throw your receipts away immediately after a transaction.

Do not keep your PIN:

- in the same place as your card, address book or diary.
- in your wallet, purse or in an unlocked drawer.

Do not leave your card in your briefcase, car or office drawer.

Do not place your card close to heat and direct sunlight or magnetic device
(i.e. TV, radio and etc).

Do not let magnetic strips of 2 cards come in contact.

Do not use the UOB Debit MasterCard if you see any unusual or suspicious
apparatus attached to the machine.

Fees & Charges

Terms & Conditions

How do I apply?

Visit any UOBM branch nearest to you.

More Information

Call our 24-hour UOB 121 Phone Banking at:

Kuala Lumpur(6) 03-26128 121
Penang(6) 04-2401 121
Johor Bahru(6) 07-2881 121
Kuching(6) 082-287 121
Kota Kinabalu(6) 088-477 121
Email us