uob privi milesuob privi miles

With faster miles earned, every trip leads to another

Earn unlimited miles with UOB PRIVIMiles Card

Benefits

bonus

Apply and Enjoy Bonus up to 10,000 Airline Miles

airline

1 Airline Miles

•IDR4,500 transact with Singapore, Malaysia, Thailand and Vietnam currencies
•IDR8,000 transact with other foreign currencies
•IDR10,000 transact with IDR currency
There will be adjustments in the earning of UOB Points starting 9 January 2026
There will be adjustments in the redemption of UOB Points starting 13 January 2026 (previously starting 9 January 2026)

airport

Free Airport Lounge Access with Priority Pass™

More info, please visit https://go.uob.com/privilounge

Up to 5x UOB Points for transaction at Agoda

More info, please visit https://go.uob.com/priviagoda
register via www.agoda.com/idprivimiles

Privileges

Travel Insurance

Travel accident coverage up to IDR25 billion

Travel Insurance

Travel inconvenience coverage up to IDR10 million
Benefit information until January 12th, 2026
Benefit information starting January 13th, 2026

Travel Insurance

Medical overseas coverage up to IDR150 million
Benefit information until January 12th, 2026
Benefit information starting January 13th, 2026

Enjoy your PRIVIMiles Rewards

  • Total UOB Points
  • Total Airline Miles get from KrisFlyer, GarudaMiles, AsiaMiles, AirAsia rewards
  • Remarks
Total UOB Points Total Airline Miles get from KrisFlyer, GarudaMiles, AsiaMiles, AirAsia rewards Remarks
50,000 5,000 Until 12 January 2026 (previously until 8 January 2026)
60,000 5,000 Starting 13 January 2026 (previously starting 9 January 2026)
Total UOB Points
50,000
60,000

Terms and Conditions

  1. The name registered in the Airline Miles membership must be the same as the name of the Cardholder who redeems UOB Points. If there is a difference in name, the Airline Miles transfer process will fail systemically.
  2. For more information, visit uob.co.id/rewards.

 

Below is the illustration of flight destination, Airline Miles and transaction required using UOB PRIVIMiles

Destination Airline Miles required Retail transaction illustration per month for 12 months period
With SGD, MYR, THB, VND currency With other foreign currency With IDR currency
Jakarta - Singapore (Return) 16,000 6,000,000 10,000,000 16,000,000
Jakarta - Hongkong (Return) 32,000 12,000,000 20,000,000 32,000,000
Jakarta - Tokyo (Return) 54,000 20,250,000 33,750,000 54,000,000
Jakarta - Sydney (Return) 61,000 22,875,000 38,125,000 61,000,000
Jakarta - London (Return) 92,000 34,500,000 57,500,000 92,000,000
Jakarta - Paris (Return) 92,000 34,500,000 57,500,000 92,000,000

  • Required transactions refer to the UOB PRIVIMiles Credit Card earning and redemption rules effective 9 January 2026.
  • The airline miles illustration above uses Krisflyer Economy Saver Award Ticket calculations as of 5 November 2025.
  • The number of airline miles required for booking may vary depending on the combination of award type and cabin class for your award itinerary. Airport taxes, fees, and other charges apply and may vary based on travel dates and flights, as well as foreign exchange rate fluctuations.
  • For more information on destinations and the number of airline miles required, please visit the Airline Miles partner websites.

Features


Contactless Feature
Enjoy contactless feature of your UOB PRIVIMiles Card
Simply TAP your UOB PRIVIMiles Credit Card and enjoy easier, safer and seamless transaction!

How to use
Hold or tap your UOB Credit Card over the EDC machine with a contactless logo during checkout, and your transaction will be instantly completed.

Here's how to use the Contactless Feature

FAQ

What is the Contactless Feature?
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The Contactless feature with the symbol contactless is a feature on UOB Mastercard and Visa Credit Cards that makes payments easier and faster because the payment process is conducted without having the card touch or inserted into the card reader (EDC machine).

With the Contactless feature, payments become faster, easier, more secure and convenient. Simply tap the UOB Credit Card with the Contactless symbol to the card reader (EDC machine) at the cashier and your transaction is complete. With the Contactless feature, your transactions become secure and more convenient because your UOB Credit Card does not leave your hand when conducting transactions in front of the cashier, so your data stays confidential and your physical UOB Credit Card is kept clean.

Look for a Contactless card reader (EDC machine) that displays the Contactless feature symbol with the Mastercard/ Visa logo at the cashier. After the cashier enters the purchase amount into the card reader (EDC machine), bring the Mastercard/Visa Credit Card within a distance of up to 5 cm from the Contactless card reader (EDC machine). The transaction is successful when the green indicator light turns on and you see a message confirming that your transaction is confirmed.

You can make Contactless transactions at various merchants around the world. Find merchants that display the Contactless symbol and Mastercard/Visa logo on the card reader (EDC machine) at the cashier.

It is secure, because like a chip card, every transaction is accompanied by a one-time code that keeps your payment information secure. Additionally, you will not make an accidental payment because your UOB Credit Card must be within 5 cm of the terminal for the transaction to occur and you will not be charged twice, even if you accidentally tap the card reader (EDC machine) more than once.

You can use the Contactless feature to shop in unlimited amounts. For domestic transactions, if the transaction value with Contactless is more than IDR 1 million (or equivalent to the rupiah currency), then your transaction must use a PIN. Contactless transactions made abroad will follow the applicable regulations in said country.

The Contactless feature is designed as a paperless payment tool, where you only need to tap the card and it's done, but you can request proof of payment if needed (with no additional fees).

You can check your transaction records online at any time via the UOB TMRW app or via the UOB Contact Center at 14008 or 62-21-2355 9000. The monthly billing statement you receive from UOB Bank will also record your Contactless transactions.

No. The Contactless feature is designed to ensure that the cardholder is always in control. The cashier must first enter the purchase amount for approval and the UOB Credit Card must be in very close proximity to the card reader (EDC machine) for the transaction to be successful. The card reader (EDC machine) can only process one payment transaction at a time.

You can replace your old Credit Card with a Contactless Card by contacting the UOB Contact Center at 14008 or 62-21-2355 9000. Card replacement will be subject to a fee in accordance with the applicable regulations.

Other Features

Competitive Exchange Rate Transact any time abroad is more comfortable with competitive exchange rates.
UOB Regional Privileges Enjoy discounts and special offers in Singapore at various well-known restaurants, hotels, shopping centers, fashion outlets, family entertainment centers and many other places.
UOB Credit Protection Balance protection facility with low premiums for outstanding balances which will protect you from having to pay off your bill balance if something undesirable happens.
UOB Bill Pay Payment of routine monthly bills for electricity, cellular telephone, subscription television and internet can now be made via autodebit to your credit card. Call UOB Contact Centre di 14008 atau (021) 2355 9000 to register.
UOB FlexiPay Get special offer on competitive interest installments up to 24 months for retail purchases.
UOB Auto Pay If you have UOB Bank account, you can enjoy the Auto Pay facility for free by providing written instructions to debit your account every month on the due date of your credit card bill. You can choose to pay the total bill or minimum payment (10% of the total bill).
Valid Worldwide The UOB PRIVIMiles Card is accepted by more than 25 million merchants and provides easy cash withdrawals at millions of ATMs spread across the world.
Cash Advance Cash advance facility up to a maximum of 40% of the credit limit provided. The maximum withdrawal limit via ATM machine is IDR15.000.000/day/card.
24 Hours UOB Contact Centre Call UOB Contact Centre 14008 for information services on your UOB PRIVIMiles Card, information regarding the bill amount, last transaction, remaining credit limit and card loss reports can be served at any time 24 hours a day.

Apply and Use your UOB Credit Card

Activation

Activation

Activate the card via UOB Contact Center at 14008

Make a Transaction

Make a Transaction

Get an e-voucher of IDR 200,000 with a minimum accumulated transaction of IDR 2,000,000 (two million rupiah) from 1x (one) or more transaction within 60 calendar days since the Card is approved.

uob spend and get program
Promotion

Apply and Use your UOB Credit Card

  • Period: 1 November 2025 - 28 February 2026 (Card Approval).
  • Valid for all card type: PRIVIMiles, Preferred Platinum, Lady’s Card, One Card, and YOLO Card.
  • Not valid for supplementary card.
  • Customer is required to make a retail transaction with a minimum accumulated transaction of IDR 2,000,000 (two million rupiah) from 1x (one) or more transaction within the transaction period.
  • Transaction period is 60 calendar days after card approval.
  • Customers will receive an e-voucher worth IDR 200,000 if they fulfill the conditions in point d and it will be sent to the customer's email address registered with the Bank.

Apply and make a transaction to get an e-voucher worth Rp200,000! Check the T&C here

Terms and Conditions

Apply and Enjoy Welcome Bonus up to 10,000 Airline Miles
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For customers whose UOB PRIVIMiles Credit Card is approved between 1 March 2025 and 31 December 2025, the welcome bonus program is subject to the following terms and conditions. Terms and Conditions for cards approved before 31 December 2025.

Terms and Conditions - Welcome Bonus Program for Cards Approved starting 1 January 2026.
  1. Bonus up to 10,000 Airline Miles are awarded in the form of UOB Points, totaling up to 120,000 UOB Points.
  2. Bonus 120,000 UOB Points are valid for UOB PRIVIMiles Credit Cards approved between 1 January 2026 and 31 December 2026.
  3. Valid for new UOB PRIVIMiles Credit Card applicants who have never held a UOB Credit Card.
  4. Transaction period and rewards awarded are as below.
    Period Transaction Period Transaction Amount per Period UOB Points Rewards Rewards Equivalent to Airline Miles
    1 Day 1 – Day 45 from card approval Rp15 million 40,000 3,333
    2 Day 46 – Day 75 from card approval Rp15 million 40,000 3,333
    3 Day 76 – Day 105 from card approval Rp15 million 40,000 3,333
    Total Rp45 million 120,000 10,000
  5. If the total transaction amount meets one of the three transaction periods, customers will earn 40,000 UOB Points, equivalent to 3,333 Airline Miles.
  6. If the total transaction amount meets two of the three transaction periods, customers will earn 80,000 UOB Points, equivalent to 6,666 Airline Miles.
  7. If the total transaction amount meets all three transaction periods, customers will earn 120,000 UOB Points, equivalent to 10,000 Airline Miles.
  8. Applicable for retail transactions, transactions converted into installments, regular monthly payments registered in UOB Bill Payment, insurance, and cash withdrawals.
  9. If a transaction is voided, the value of the canceled transaction will deduct accumulated transaction amount during the transaction period.
  10. Not valid for all fees, fines, interest, late installments, UOB PayAnything, non-UOB Bill Payment bills (water, telephone, and electricity bills not registered in the UOB Bill Payment program), donation payments (including social services), government services (including tax payments, customs, immigration fees, and BPJS), and transactions at merchants registered with the following Merchant Category Codes (MCC): 4900, 9211, 9222, 9311, 9399, 8398, and 8661. These MCC codes comply with Mastercard and Visa regulations.
  11. Valid for accumulated transactions on primary and supplementary credit cards.
  12. Bonus UOB Points will be awarded to customers with current status and unblocked credit card payments.
  13. Bonus UOB Points will be awarded a maximum of 2 months after the transaction amount meets the requirements.
  14. Bonus UOB Points will be awarded to the primary cards.
  15. UOB Bank reserves the right to cancel or withdraw rewards awarded in the event of suspicious transactions, transaction cancellations, violations of terms and conditions, or violations of laws and regulations.
  16. UOB Bank may change, delete, or add to these terms and conditions, as well as the number of UOB Points required for UOB Point redemption, with prior notice.
  17. Complaints must be submitted no later than 30 days after the reward is awarded, providing sufficient supporting evidence.
  18. UOB Bank will use data contained in the Bank's system as a reference.
  19. UOB Bank reserves the right to change or delete the terms and conditions of this program and/or terminate the program in accordance with UOB Bank's policy with prior notice.
  20. The terms and conditions are part of the terms and conditions for earning UOB Points listed at uob.co.id/rewards and the terms and conditions for the UOB Credit Card listed at go.uob.com/ketentuankartukredit
Until 8 January 2026
Transaction with Currency from UOB Points Rewards
Transaction (IDR) UOB Points
Indonesia IDR 1,000 1
Malaysia, Singapura, Thailand, Vietnam Equivalent to IDR 1,000 2.23
Other Countries Equivalent to IDR 1,000 1.25

 

Until 12 January 2026* (Previously until 8 January 2026)
Transaction with Currency from 1 Airline Miles Conversion
UOB Points Transaction Amount Required (IDR)
Indonesia 10 IDR 10,000
Malaysia, Singapura, Thailand, Vietnam 10 IDR 4,500
Other Countries 10 IDR 8,000

*  There is a change in the redemption period for UOB Points to Airline Miles.

Starting 9 January 2026
Transaction with Currency from UOB Points Rewards
Transaction (IDR) UOB Points
Indonesia IDR 1,000 1
Malaysia, Singapura, Thailand, Vietnam Equivalent to IDR 1,000 2.67
Other Countries Equivalent to IDR 1,000 1.6

 

Starting 13 January 2026* (Previously until 9 January 2026)
Transaction with Currency from 1 Airline Miles Conversion
UOB Points Transaction Amount Required (IDR)
Indonesia 12  IDR12,000
Malaysia, Singapura, Thailand, Vietnam 12 IDR 4,500
Other Countries 12 IDR 7,500

*  There is a change in the redemption period for UOB Points to Airline Miles.

Terms and Conditions

  • Valid transactions are transactions made with the primary credit card and supplementary credit cards registered in the Bank's system, excluding installment payments, cash withdrawals, and Cash on Phone.
  • For transactions made or recorded in the UOB system (posting) before January 9, 2026, points will be earned using the old points scheme.
  • Currency refers to the currency used at the time of the transaction.
  • Not valid for electricity, water, gas, Telkom, and XL bills, donations (including social services), government services (including taxes, customs, immigration fees, and BPJS), and transactions at merchants registered with the following Merchant Category Codes (MCC): 4900, 9211, 9222, 9311, 9399, 8398, and 8661. These MCC codes comply with Mastercard and Visa regulations.
  • Bonus UOB Points will be awarded to customers with ‘Lancar’ status and unblocked credit card payments.
  • UOB Bank reserves the right to cancel or withdraw any reward awarded in the event of suspicious transactions, transaction cancellations, violations of terms and conditions, or violations of laws and regulations.
  • UOB Bank may amend, remove, or add to these terms and conditions, as well as the number of UOB Points required for redemption, with prior notice.
  • Complaints must be submitted no later than 30 days after the reward is awarded, providing sufficient supporting evidence.
  • UOB Bank will use data contained in the Bank's system as a reference.
  • UOB Bank reserves the right to change or delete the terms and conditions of this program and/or terminate the program in accordance with UOB Bank's policies with prior notice.
  • These terms and conditions are part of the terms and conditions for earning UOB Points listed at go.uob.com/rewards and the terms and conditions for the UOB Credit Card listed at go.uob.com/ketentuankartukredit

Redeeming UOB points can be done via UOB TMRW applications. For more information, visit go.uob.com/rewards

Fees

 

Type of Fees

PRIVIMiles UOB Card
Iuran Tahunan
Kartu Utama Rp1.000.000,-
Kartu Tambahan Rp500.000,-
Syarat & ketentuan biaya iuran tahunan berlaku untuk seluruh Nasabah Kartu Kredit UOB, termasuk nasabah yang juga memiliki rekening tabungan UOB.
 
Biaya Bunga (Mulai berlaku 1 Juli 2021)
Pembelanjaan 1.75% per bulan / 21% per tahun
Penarikan Uang Tunai 1.75% per bulan / 21% per tahun 
 
Bea Meterai (Berlaku mulai 1 Januari 2021)
Total Pembayaran Rekening Kartu Kredit (di luar bea meterai) Nilai Bea Meterai
< Rp5.000.000 Rp0,-
> Rp5.000.000,- Rp10.000,-
 
Biaya Penarikan Dana Tunai Melalui ATM per Transaksi
ATM UOB GRATIS
Jaringan Plus Rp30.000,-
Jaringan Cirrus Rp30.000,-
 
Biaya Penggantian Kartu Rp50.000,-
 
Biaya Penarikan Uang Tunai 6% dari jumlah penarikan uang tunai atau min Rp200.000,- (mana yang lebih tinggi)
 

Biaya Keterlambatan Bayar

(Efektif hingga 30 Juni 2026. Periode dapat berubah sewaktu – waktu sesuai kebijakan Bank Indonesia)

 1% dari total tagihan atau maksimum Rp100.000,-
 

Biaya Batas Minimum Pembayaran

(Efektif hingga 30 Juni 2026. Periode dapat berubah sewaktu – waktu sesuai kebijakan Bank Indonesia)

 5% dari total tagihan
 
Biaya Kelebihan Pemakaian Limit Rp150.000,-
 
Biaya Permintaan Salinan
Tagihan Bulanan Rp30.000,- per salinan
Nota Transaksi/ Sales Draft Rp50.000,- per lembar
Ringkasan Tagihan Tahunan Rp300.000,- per salinan
 
Biaya Cetak Lembar Tagihan Cetak (hardcopy): Rp25.000,- per bulan/tagihan
E-statement: Rp5.000,- per bulan/tagihan (Efektif 1 Desember 2025. Tanggal efektif dapat berubah sewaktu - waktu sesuai kebijakan Bank)
 
Biaya Penolakan Cek Rp50.000,-
 
Biaya Transfer Atas Kelebihan Bayar Rp50.000,-
 
Biaya Administrasi Lainnya Dikenakan Apabila Setelah Kartu Kredit Ditutup Masih Terdapat Saldo Kredit Rp25,000,-
 
Biaya Notifikasi Rp 7.500,- per Kartu Utama
 

Biaya Pelunasan dipercepat Cash on Phone (COP) dan FlexiPay on Phone (FOP) dan Cicilan Merchant (FPM)

Rp200.000,-

Efektif 1 November 2022, 5% dari jumlah sisa pokok min Rp 200.000,-
 
Biaya pembayaran tagihan Kartu Kredit UOB melalui menu transfer antar bank Pembayaran melalui menu transfer dapat dilakukan dari semua bank dengan memilih transfer Realtime Online, biaya transfer sesuai dengan kebijakan masing-masing bank. Metode BI Fast tidak tersedia untuk pembayaran Kartu Kredit UOB melalui menu transfer.
 
 
Biaya pembayaran tagihan Kartu Kredit UOB melalui kanal UOB Channel Fees
ATM UOB Gratis
UOB TMRW Gratis
UOB Personal Internet Banking Gratis
Teller Rp25.000,-

Pembayaran melalui teller hanya berlaku bagi nasabah yang memiliki rekening giro atau tabungan di UOB. Nasabah wajib menyetorkan uang tunai ke rekening giro atau tabungan nasabah di UOB dan melakukan proses pemindahbukuan ke Kartu Kredit nasabah. Apabila permintaan pemindahbukuan dilakukan oleh pihak lain, maka diperlukan Surat Kuasa dari pemilik rekening. Hal ini berlaku juga untuk pembayaran tagihan CashPlus dan Personal Loan.
 
 
Biaya pembayaran tagihan Kartu Kredit UOB melalui menu pembayaran Bank Rekanan (efektif 1 September 2023) ATM Mobile Banking Fees Processing Time (Work Day)
BCA BCA Mobile/myBCA Rp12.500,-

 

 

 

Maksimum 3 hari kerja
Mandiri Livin Mandiri Rp12.500,-
Maybank M2U/ M2U ID Web Rp12.500,-
CIMB Niaga Octo Mobile/ Octo Clicks Rp12.500,-
Bank Permata PermataMobileX Rp12.500,-
BNI BNI SMS Banking Rp12.500,-
 

Requirements

Products and Services Information Overview
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Click here for complete information of Products and Services Information Overview.

Persyaratan yang harus dilengkapi:

No Persyaratan Keterangan
1 Usia Minimum Kartu utama : 21 tahun
Kartu tambahan : 17 tahun
2 Usia Maksimal 65 tahun
3 Status Kewarganegaraan WNI/WNA
4 Status Kepegawaian Karyawan Tetap/Wiraswasta/Profesional
5 Penghasilan minimal/tahun Rp60.000.000,- s/d Rp500.000.000,-

 

Dokumen Karyawan Wiraswasta Profesional
Fotokopi KTP untuk calon Nasabah WNI √ √ √
Fotokopi KITAS dan Paspor untuk calon Nasabah WNA √ √ √
Fotokopi bukti penghasilan Nasabah dalam bentuk:
Slip Gaji maksimal 3 bulan terakhir / SKP maksimal 1 bulan terakhir / SPT maksimal 2 tahun terakhir / Rekening Tabungan 3 bulan terakhir / Slip BPJS Ketenagakerjaan		 √ -  
Fotokopi bukti penghasilan Nasabah dalam bentuk:
SPT PPH maksimal 2 tahun terakhir / Setoran pajak badan usaha maksimal 2 tahun terakhir / Laporan laba rugi maksimal 1 tahun terakhir / Fotokopi tabungan atau rekening koran 3 bulan terakhir		 - √ -
NPWP (untuk pengajuan limit di atas Rp 50 juta) √ √ √

Jika data/informasi dan atau dokumen yang disampaikan ini tidak benar, maka Bank berhak untuk membatalkan pengajuan Kartu Kredit UOB Nasabah.

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Apply and shopping with UOB Credit Card and get e-voucher Rp200,000! Valid until 28 February 2026. TnCs applyApply Now

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