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Home›Best UOB Credit Card›UOB EVOL Card 2026
Last updated July 2026 · Verified from UOB Malaysia

UOB EVOL Card Malaysia 2026

10% cashback online · 5% on e-wallet top-ups — RM30/month max, annual fee auto-waived

The verdict

The UOB EVOL Card is the best UOB card for online-first spenders: 10% cashback on online purchases and 5% on e-wallet top-ups, capped at RM30 per month combined, on the lowest income requirement of any UOB card (RM36,000/year). Its annual fee of RM90 waives itself with a single transaction a month. It is a starter cashback card, not a high-cap one — once you clear roughly RM150 of online spend a month, the cashback stops.

UOB EVOL Cashback Rates — 10% Online, 5% E-Wallet

CategoryRateMonthly capNote
Online spend10% cashbackRM15/monthHit the cap at ~RM150 online spend
E-wallet top-ups5% cashbackRM15/monthHit the cap at ~RM300 top-ups
Dining & entertainment5× UNIRinggitNo capPoints, not cashback
All other spend1× UNIRinggitNo capPoints, not cashback

Minimum RM1,000 retail spend per statement month required to unlock cashback rates. Source: UOB Malaysia — verified July 2026.

How to Max the RM30/Month Cashback

Both categories cap at RM15. That means there is an exact spend level where you stop earning — and anything beyond it is better put on a different card.

Online spend
RM150/month

10% × RM150 = RM15 — the cap. Spend more online and you earn nothing extra.

E-wallet top-ups
RM300/month

5% × RM300 = RM15 — the cap. Beyond this, top up with another card.

Total ceiling: RM30/month = RM360/year. You still need RM1,000 total retail spend in the month to qualify, so route your other bills through the card to clear the threshold.

Annual Fee RM90 — Auto-Waived With 1 Transaction a Month

Annual fee (principal)RM90/year — charged RM7.50 per statement month
Fee waiverAuto-waived in any month with ≥1 retail transaction (FPX and EPP/IPP excluded)
First-year waiverNew-to-bank applicants — campaign runs to 31 December 2026
Supplementary cardRM30/year — waived for the first 2 years
SSTRM25 per card on activation and each anniversary
Minimum incomeRM36,000/year (RM3,000/month)
Age21–60 (principal) · 18+ (supplementary)
NetworkVisa — contactless via Visa payWave

Pros and Cons

✅ Pros

  • • Lowest income bar of any UOB card — RM3,000/month
  • • Annual fee effectively free (1 transaction/month waives it)
  • • 10% online cashback is among the highest online rates in Malaysia
  • • RM88 welcome cashback + 1-year fee waiver for new applicants

❌ Cons

  • • RM30/month total cap — low ceiling for bigger spenders
  • • Requires RM1,000 minimum monthly spend to earn anything
  • • No cashback on petrol, groceries or physical dining
  • • RM25 SST per card, charged yearly regardless of fee waiver
💳 UOB Malaysia10% online · 5% e-wallet · Annual fee auto-waived

Spend RM1,000/month — earn 10% cashback on every online purchase

The lowest-income-bar UOB card (RM3,000/month). Built for online-first spenders: 10% back on online shopping and 5% on e-wallet top-ups, with an annual fee that waives itself.

Online spend10% · cap RM15/month
E-wallet top-ups5% · cap RM15/month
Dining & entertainment5× UNIRinggit points
Min. spend to unlock cashbackRM1,000/month
Max monthly cashbackRM30 (2 × RM15)
  • 🎁RM88 cashback + 1-year annual fee waiver for new applicants
  • 📅Annual fee RM90 — auto-waived with just 1 retail transaction/month
  • 💼Min. income RM36,000/year (RM3,000/month) — lowest bar of any UOB card
Apply UOB EVOL Card — 10% Online Cashback →

Min. RM1,000 monthly retail spend to unlock cashback. RM15 cap per category. Source: UOB Malaysia — verified July 2026.

How to Apply — 4 Steps

1
Click the apply link below
Opens UOB Malaysia's official card application form directly.
2
Fill in your personal details
Full name per NRIC, NRIC number, mobile, email and employment details. Takes about 5 minutes.
3
Upload supporting documents
Latest 3 months payslip or EPF statement + NRIC front and back. Min income RM3,000/month.
4
Activate and start spending
Clear RM1,000 retail spend in a statement month to unlock the 10% online and 5% e-wallet rates.
Apply UOB EVOL Card — 10% Online Cashback + RM88 Welcome →

Spend Mostly Offline? Compare UOB ONE

If you fill up petrol, buy groceries and use Grab, the UOB ONE Platinum Card pays 10% across four physical categories with a higher RM60/month cap — though it needs RM1,500 minimum monthly spend.

💳 UOB Malaysia10% cashback on 4 categories · Annual fee waived

Spend RM1,500/month — earn 10% cashback on petrol, dining & Grab

10% cashback on petrol at ALL stations, dining, groceries & Grab in one card. New applicants get RM88 cashback when you spend RM200 in the first 60 days.

Petrol (any station)10% · cap RM15/month
Dining & food delivery10% · cap RM15/month
Groceries10% · cap RM15/month
Grab (rides, food, mart)10% · cap RM15/month
Max monthly cashbackRM60 (4 × RM15)
  • 🎁RM88 cashback when you spend RM200 in first 60 days
  • 📅Annual fee RM195 — waived for new applicants
  • ⛽Petrol cashback at ALL stations — not locked to one brand
Apply UOB ONE Card — 10% Cashback on Petrol & Dining →

New-to-bank or new-to-card only. Min. RM1,500 monthly spend to unlock 10% cashback. Caps apply per category.

More UOB Cards & Financial Tools

Best UOB Credit CardUOB ONE CardUOB PRVI Miles EliteBest Cashback Cards

Frequently Asked Questions

How much cashback does the UOB EVOL Card give in Malaysia?
The UOB EVOL Card gives 10% cashback on online spend and 5% cashback on e-wallet top-ups, each capped at RM15 per month — a maximum of RM30 cashback per month, or RM360 per year. You must spend at least RM1,000 in retail transactions in a statement month to unlock these rates. All other spend earns 1× UNIRinggit per RM1, and dining & entertainment earn 5× UNIRinggit per RM1.
Is the UOB EVOL Card good?
The UOB EVOL Card is good if most of your spending is online and you spend around RM1,000–RM1,500 a month. It has the lowest income requirement of any UOB card (RM36,000/year) and the annual fee waives itself with one transaction a month. It is not a good fit for high spenders — the RM30/month total cap means you stop earning cashback after roughly RM150 of online spend and RM300 of e-wallet top-ups each month.
What is the minimum income for the UOB EVOL Card?
The UOB EVOL Card requires a minimum income of RM36,000 per year (RM3,000 per month). Principal cardholders must be aged 21 to 60; supplementary cardholders must be at least 18. This is the lowest income bar across UOB Malaysia's credit card range — the UOB PRVI Miles Elite requires RM100,000/year and the UOB Visa Infinite requires RM120,000/year.
What is the UOB EVOL Card annual fee and how do I waive it?
The UOB EVOL Card annual fee is RM90 per year, charged as RM7.50 per statement month. It is auto-waived in any statement month where you make at least one retail transaction (FPX transfers and EPP/IPP instalments do not count). New-to-bank applicants also get the first year waived under a campaign running to 31 December 2026. Supplementary cards cost RM30/year, waived for the first two years. A RM25 SST applies per card on activation and each anniversary.
UOB EVOL vs UOB ONE Card — which should I get?
Choose UOB EVOL if your spending is mostly online: 10% on online purchases and 5% on e-wallet top-ups, with only RM1,000 minimum monthly spend and a RM30/month cashback cap. Choose the UOB ONE Platinum Card if you spend at physical merchants — it gives 10% on petrol (any station), dining, groceries and Grab with a higher RM60/month cap, but demands RM1,500 minimum monthly spend. High spenders earn more on UOB ONE; online-first, lower-income earners are better served by EVOL.
What is the maximum cashback I can earn on the UOB EVOL Card?
The maximum is RM30 per month (RM360 per year). Because each category caps at RM15, you hit the ceiling at roughly RM150 of online spend (10% × RM150 = RM15) and RM300 of e-wallet top-ups (5% × RM300 = RM15) per month. Spending beyond those amounts earns no additional cashback in that category, so pair EVOL with a second card once you pass the caps.

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