UOB-Groupon eAccount FD bundle

UOB Malaysia is running "UOB-Groupon eAccount FD bundle" promotion from 21st July until 31st August 2014. The promotion is for first-time UOB customers aged 18 years and above who apply for a UOB eAccount FD bundle. UOB eAccount to Fixed Deposit ratio at 30:70 is required. Eligible customers can get interest rate of 4.00% p.a. on a 3-month-tenure fixed deposit and a set of three luggage bags.

UOB Credit Card Ten Bonanza

UOB Bank is rewarding RM 10 for every 10th bill payment made via Personal Internet Banking (PIB) with UOB Credit Card from 7th April until 6th June 2014. The campaign is open to all the principal and supplementary UOB Malaysia credit cardmembers.

UOB Lady's Card

Today is 8th March, which is also the International Women's Day. In conjunction with this festival, I would like to talk about UOB Lady's Card, a credit card designed exclusively for ladies who are at least 21 years old, as the slogan goes "The men don't get it".

UOB Credit Card Promotion

Recently, UOB Bank has been very active in promoting its Credit Cards. You can easily notice UOB Credit Card booth in most of the shopping complexes. UOB has 3 attractive promotions for cardholders especially during the CNY season.

From 10th Jan until 30th Jan 2014, all UOBM Credit Cardholders (except Corporate, Purchasing and Private Label Cards) can enjoy 10% Cash Rebate at ALL hyper/supermarket or departmental stores nationwide with minimum spend of RM 250 in a single receipt. Each Cardmember is only entitled to a maximum of RM 50 Cash Rebate per Transaction Week. The maximum Cash Rebate payout is capped at RM 50000 per Transaction Week and will be awarded on a first come first served basis.

Transaction Weeks:

• Week 1: 10 Jan 2014 until 16 Jan 2014
• Week 2: 17 Jan 2014 until 23 Jan 2014
• Week 3: 24 Jan 2014 until 30 Jan 2014

Do you plan to have family reunion dinner outside? From 10th Jan until 15th February 2014, the first 1388 Cardmembers who meet the cumulative dining spend of RM 500 and above using a UOB Credit or Debit Card at any restaurant will be entitled to receive SMART$ at a rate of 5% on such spending.

The last promotion is exclusively for UOB One Card. From 1st February to 30th April 2014, UOB One Cardmembers can get 5% Rebate + 5% Smart Cash at BHPetrol stations. New petrol cap will be aslo effective from 1st February 2014 onwards. The maximum monthly Cash Rebate payout for the rebate category of petrol is RM 900000 which is to be given out on a first come first serve basis.

If you're not UOB Credit Cardmembers, you can sign up for UOB Cards online. From 1st January to 31st March 2014, new successful applicants will get RM 50 cash back with minimum 3 swipes within 60 days from card approval date.

UOB Triple Fortune 2014

It's already December and we will usher in Year of the Horse in three weeks' time. UOB Triple Fortune has returned to triple your prosperity this new year. The promotion is valid from 1st December 2013 until 28th February 2014.

For every new fund of RM 50000 deposited into an eligible CASA, customers will be entitled to get a 24-karat gold-plated horse (1000 unit only). For the Oriental Tile Box (1200 unit only), customers need to place fresh fund of RM 68000 into a high yield account, i-Account or Global Currency Premium Account. For fresh fund deposit of RM 128000, customers are eligible to get 2 boxes ("Peony" and "Plum Blossom" designs).

Both Golden Prosperity Horse and Prosperity Oriental Tile Box are on first-come-first-serve while stock last basis and the deposit will be earmarked for 3 months. In the event that any part of the earmarked amount is withdrawn prior to the expiry of the tenure, the bank will deduct RM 120 (each Golden Prosperity Horse) and RM 180 (each Oriental Tile Box) from CASA at the time of withdrawal.

For the Prosperity FD, customers can enjoy attractive interest rate on 3-month, 12-month and 13-month FD with minimum deposit of RM 10000 and maximum of RM 5000000. For 3-month-tenure, the interest rate is 3.38% p.a. while for 12-month-tenure and 13-month-tenure, the interest rate is 3.55% p.a. and 3.65% p.a. respectively. The 3-month-tenure requires customers to deposit at least RM 1000 or 5% of deposited amount (whichever is higher) into CASA and earmarked for 3 months.

UOB Superdeals Campaign

After UOB Triple Fortune ended on 28th February 2013, UOB still continues its FD promotion through Superdeals Campaign until 30th April 2013. There are two offers in this campaign, namely Superdeals Unit Trust + Fixed Deposit (UT-FD Bundle) and Superdeals Fixed Deposit.

For Superdeals UT-FD Bundle, eligible customers who invest in any of the selected UT Funds may enjoy one of the following promotional FD interest rates per below table:

3 months tenure	Ratio (2 UT: 1 FD)
	Fresh fund for FD	Existing fund for FD
	6.00% p.a.	5.00% p.a.

The minimum investment amount for the Eligible UT Funds is RM 10000 while the minimum FD amount for the promotion is RM 5000. The eligible Eligible Unit Trust Funds Purchase are as below:

1. OSK-UOB Kidsave Fund 
2. OSK-UOB Asia Consumer Fund 
3. OSK-UOB Asian Growth Opportunities Fund 
4. OSK-UOB Multi Asset Regular Income Fund 
5. OSK-UOB US Focus Equity Fund 
6. OSK-UOB Emerging Market Bond Fund 
7. AmAsia Pacific Equity Income Fund 
8. AmAsia Pacific REITs Fund 
9. RHB Asian Total Return Fund 
10. RHB-GS US Equity Fund 
11. CIMB Principal Equity Fund

For Superdeals FD, there are two offers as follow:

FD Offers	Promotional Rate
3 months FD	3.50% p.a.
12 months FD	3.70% p.a.

The minimum FD amount is RM 10000 and the maximum FD amount is RM 5million per customer. The placement amount must be from fresh fund. The interest rate for Superdeals FD is almost similar to that of UOB Triple Fortune. It's worth considering if you miss the earlier UOB promotion.

PB FD Fortune

FD promotion for Affin Bank and RHB already ended on 31st December 2012. However, Public Bank just started its FD promotion from 1st January to 31st March 2013, or when it hits the overall limit of RM 2 billion.

The eligible customers are required to place fresh fund of minimum RM 10000 and in multiple of RM 5000 up to maximum of RM 500000 into both PLUS FD for 6-month tenure and PLUS Savings Account at 80:20 ratio. The interest rate for PLUS SA can be found here.

The step up interest rate for each month is shown in the above picture. The effective interest rate for this FD campaign is just 3.29% p.a., currently the lowest compared to other FD promotion:

Bank	Tenure	Min Amount	Bundle CASA	Min Amount	Actual Interest
Hong Leong	12-month	RM 10000	No	N/A	3.455%
UOB	3-month	RM 10000	No	N/A	3.50%
UOB	9-month	RM 10000	No	N/A	3.65%
Alliance	6-month	RM 10000	Yes	10% of FD	3.448%
RHB	15-month	RM 30000	Yes	10% of FD	3.219%

UOB Triple Fortune

It's five days to Christmas and less than 2 months to Chinese New Year. UOB has launched a campaign called Triple Fortune that give out prosperous gift to customers from 15th December 2012 to 28 February 2013.

For fresh fund deposit of RM 50000 into CASA, customers will be eligible to get a 24-karat gold-plated snake (800 unit only). For the Maxwell & Williams Red Kimono Tea Set (750 unit only), customers need to place fresh fund of RM 150000 into a high yield account, i-Account or Global Currency Premiums Account. Both gifts are on first-come-first-serve while stock last basis and the deposit will be earmarked for 3 months.

For the Fortune FD, the minimum deposit is RM 10000 and limited to RM 5000000. For 3-month-tenure, the interest rate is 3.50% p.a. while for 9-month-tenure, the interest rate is 3.65% p.a.

The Fortune FD promotion is very attractive as the interest rate is high and it does not require earmark of fund in your CASA.

UOB CASA Promotion

UOB is giving out free limited edition water tumbler and RM50000 cash back, starting from 1st November to 31st December 2012.

This promotion is open to new customer, existing customer without Current and/or Savings Account (CASA) and existing customer without Personal Internet Banking (PIB).

The cash back promotion is open to UOB credit card customer without CASA. So if you're holding UOB One card, now it's the best time to open CASA account with UOB to grab the cash back (for first 500 new customers) and limited edition water tumbler.

UOB One Card

I have just got my UOB One Card few weeks ago. This is my second application for the same card but this time the bank called me up to offer the card. My first application was early this year at UOB booth in a shopping mall and it was rejected without any reason although I'm an existing customer of UOB with good standing. After 3 months plus, I suddenly received a call from the bank to offer this card and UOB is offering it with RM50 cash back. So I just applied this card without second thought.

The cash rebates for this card is not as good as Maybank 2 Card and OCBC Titanium.

 

Rebate Category	Cash Rebates	Total Purchase Entitled for Cash Rebates	Merchants
Petrol	5.0%	Up to RM600 per month	All petrol stations
Cinema	5.0%	Unlimited	Golden Screen Cinemas
Groceries	2.0%	Up to RM1, 500 per month	Tesco, Carrefour, Giant, Cold Storage & Pasar Raya Jaya Grocer
Pharmaceutical	2.0%	Unlimited	Guardian, Watsons & Caring Pharmacy
Telecommunication	2.0%	Up to RM300 per month	Maxis, Celcom & Digi
Other purchases	0.3%	Unlimited	All other merchants not listed above

However, it has another SMART$ rebate program which card members can earn additional rebates from merchants who participate in SMART$ program.

Update 15 Dec 2012: senQ and San Francisco Coffee were moved from the list, Pedro and Timberland were added.

Sushi King	10%		Party Princess	10%
Miss Whatever	10%		Teddy Tales	10%
Girls	10%		GSC	5%
Pedro	5%		Timberland	3%
My Diamond	3%		Weng Cheong Tyre Service	3%
UniAsia	3%		BHPetrol	2%

If you are a frequent movie goer, it's very good to get this card as you can get 5% cash rebate plus another 5% smart$.