Legal Information for Credit Card Applicants
(1) I (including all primary and supplementary credit card applicants) hereby certify that the information given is all true and acknowledge that the Bank may reject/deny this application.
(2) To the extent permitted by law, I agree and consent that the Bank, its personnel or representatives, may collect, use, provide, receive, transmit, disclose, gain access to personal information, credit/service information, bio-data, status, other electronic information, including other information related to me, as the Bank may deem appropriate, for sending to its parent companies, subsidiary companies, associated companies, any group or affiliated company of the Bank and branch offices of the aforesaid located in Thailand or overseas, including to its directors, employees, contractors, agents, representatives, auditors, appraisers, professional practitioners, who give advice to the said companies, assignees, state agencies, regulatory agencies having jurisdiction over the Bank, or any person having legal relationship with the Bank or me, for the purpose of analyzing credit, debt restructuring, renewing, reviewing credit limit, computing credit data any time, or for other purposes as required by law, including for the purpose of conducting business, management of every type of business of the Bank, debt collection, making demands, collecting statistics, market planning, assigning rights and obligations, in order for the Bank to provide a fair and continuous service to me. I hereby agree and consent that the Bank, its personnel or representatives may collect, use, provide, receive, transmit, disclose and gain access to my personal information, credit/service information, bio-data, status, other electronic information including other information related to me for the purpose of marketing, offering and selling of the Bank's products and services to me. I hereby give my consent to enable the foregoing actions to be undertaken legitimately at all times.
(3) To the extent permitted by law, I agree that the Bank, or any person authorized by the Bank, or any person that may be employed additionally by the person authorized by the Bank, may contact; send letters, notices and invoices to follow up with, demand, send receipts or other documents to me or other person specified for such conduct as I have so permitted in the credit or service application form to or at the home address, work address, e-mail address, or any other information given to the Bank for contact, by/via post, telephone, mobile phone, voice mail, e-mail, internet, other electronic systems or other means, at the appropriate time and frequency, or according to the information or venue that I may notify the Bank to change through the Bank's telephone services or other service channels made available by the Bank. If I make any transaction through any said channel, I agree to be bound by the terms and conditions of such services where the Bank may collect, change or add any home address, work address, contact address or any other information immediately without having to produce evidence or provide confirmation unless the Bank so requires.
(4) I am pleased and wish to receive any service news information of the Bank through every kind of communication channel or telephone number given by me to the Bank. I am also pleased to have the Bank's employee at a position of department manager or equivalent be responsible for providing services to the customers, to listen to such conversation in order to improve and develop the Bank’s services.
(5) Whenever I receive a credit card which may have been renewed/upgraded/downgraded/ changed, I agree to be bound by the terms and conditions for the use of credit card that are in effect as of present and as may be amended from time to time, provided that such amendment will be in accordance with the terms and conditions for the use of credit card. I (as the primary card applicant) shall take responsibility to pay all debts incurred by the possession and/or use of the primary card and any supplementary card (if any).
(6) I agree to comply with and pay debt in accordance with the terms and conditions for the use of credit card that are in effect as of present and as may be amended from time to time, provided that such amendment will be in accordance with the terms and conditions for the use of credit card.
(7) I agree to give this consent so as to validate as a lawful act the foregoing actions that have already been taken, are being taken now, or shall be taken in the future.
(8) I and/or the supplementary card applicant shall allow the Bank to cancel the credit card if I do not activate my card/credit line within 12 months after the date of approval.
(9) I have duly received the credit card product fact sheets. Moreover, I have read the enclosed terms and conditions for the use of credit card service entirely and agree to be bound by, and comply with, the said terms and conditions for the use of credit card service as well as other terms and conditions as amended by the Bank from time to time, provided that such amendment will be in accordance with the terms and conditions for the use of credit
(10) I agree that the Bank may deny and change the qualifications and the above application form without giving prior notification and all approvals are based on the Bank’s discretion. The applicant may make a request to retrieve the supporting documents submitted in connection with the credit card application within 1 month after the Bank has announced the result of considering the application. However, the Bank may make a copy of the documents and retain the same in order to comply with its obligations under the relevant laws.
(11) For the purpose of controlling and computing data by the Credit Bureau of which the Bank is a member, after approving my credit card, the Bank shall send information related to the use of my credit card (primany card) as retained by the Bank to the said Credit Bureau.
(12) Privileges and benefits of the cardholder specified in the credit card's privileges and benefits manual are based on contractual agreement between the Bank and its business counterparties and have a definite period of expiration and may be subject to changes. Therefore, the cardholder may not receive substitute of the same privileges and benefits or equivalent for the expired privileges and benefits.
(13) Notwithstanding any terms and conditions provided hereunder, the Bank shall be entitled to take all actions the Bank considers appropriate in order for the Bank to meet any obligation or requirement, either in Thailand or elsewhere, in connection with the detection, investigation and prevention of financial crime including fraud, money laundering, terrorism financing, bribery, corruption, or tax evasion or the enforcement of any economic or trade sanction (“Financial Crime”). I understand and agree that if any activities, conduct or circumstances I am involved in (directly or indirectly) may, in the sole and absolute discretion of the Bank, expose the Bank to legal or reputational risk, or actual or potential regulatory or enforcement actions, the Bank shall at any time, without giving any reason or notice to me, have the right to immediately:
(a) close all accounts and terminate all services I have with the Bank;
(b) delay, block or refuse the making or clearing of any payment, the processing of instructions or the application for services or the provision of all or part of the services;
(c) terminate and/or recall any or all advances or loans, credit or other financial or banking facilities (committed or uncommitted), accommodation, financial assistance or services and demand repayment of all sums outstanding; or
(d) make reports and take such other actions as the Bank may deem appropriate.
I undertake that I will not initiate, engage in or effect a transaction (directly or indirectly) that may involve Financial Crime and agree to hold the Bank harmless, indemnify the Bank and keep the Bank indemnified from and against any and all liabilities, claims, obligations, losses, damages, penalties, actions, judgments, suits, costs (including, but not limited to, legal costs on a full indemnity basis), expenses and disbursements of any kind whatsoever which the Bank may suffer or incur in connection with or arising from any breach by me of this undertaking.
(14) The Bank will communicate or notify the cardholder of an information which is substance of any change in terms and conditions of the credit card at least 30 days in advance before such change become effective. In case that such change would materially and adversely affect the benefits of the cardholder or materially increase burden of the cardholder, the cardholder has the right to reject such change within such 30 days period. If the cardholder does not reject such change within such 30 days period, it shall be deemed that the cardholder accept the change as notified by the Bank. Except for the case which would have material adverse effect to the Bank or any other case that the Bank of Thailand may specify from time to time, the Bank would only notify the cardholder of such change in due course after its effectiveness.
(15) I, having read and understood the terms and conditions as well as the legal information in relation to credit card service in the application and/other related document, and seeing that it is correct and in line with all intentions.
Detail of interest rates, service charges, fee and other expenses related to credit card usage.
(Announcement No. 027/2018 on 28 November 2018, Effective from 28 November 2018) (1)
Service Fees and Charges
PRIVI Miles Privilege Banking/PRIVI Miles Wealth Banking/PRIVI Miles/ LADY’S Solitaire
Joining Fee
- Primary Card/ Supplementary Card: Exempt
Annual Fee (2)
- Primary Card: THB 4,000
- Supplementary Card: Exempt
PREFERRED /LADY’S Platinum
Joining Fee
- Primary Card/ Supplementary Card: Exempt
Annual Fee (2)
- Primary Card: THB 3,000
- Supplementary Card: Exempt
YOLO Platinum
Joining Fee
- Primary Card/ Supplementary Card: Exempt
Annual Fee (2)
- Primary Card: THB 2,000
- Supplementary Card: Exempt
Interest Rate: 18% per annum (3)
Minimum Installment Payment Rate: 10% of the total amount as per the monthly statement or minimum of THB 1,000 whichever is higher
Cash Advance Transaction Fee: 3% of the amount of cash withdrawn
Grace Period (free of interest charge period): Maximum of 55 days from the date of previous billing cycle
Card Replacement Fee for Lost / Damaged Card: THB 200 / time
Statement Re-issuance Fee: THB 100 / time
Copy of Sales Slip Fee: THB 200 / time
PIN Code Replacement Fee: THB 100 / time
Transaction Inquiry Fee: THB 200 / time
Debt Collection Fee (4): THB 100 for every cycle
Foreign Currency Exchange Risk Premium (5) : Not in excess of 2.5% of the transaction amount incurred abroad per transaction
International ATM Access Fee for Cash Withdrawal (5): As prescribed by the ATM Operators
Payment Charges per Transaction
At Counter of UOB (Thai)/ UOB ATM/ UOB Direct Debit/Mailing Cheque/ UOB Cyber Banking: Exempt
At Counter of Bank of Ayudhya
- Bangkok and Greater Bangkok (6): THB 15
- Upcountry: THB 15 (7)
Electronics Channels of Bank of Ayudhya
- Bangkok and Greater Bangkok (6): THB 10
- Upcountry: THB 10 (7)
At Counter Service(Cash only and not more than THB 30,000/ time)
- Bangkok and Greater Bangkok (6): THB 15
- Upcountry: THB 20
Pay at Post: THB 10 / every THB 50,000
Tesco Lotus: THB 10
TOT: THB 15
mPay STATION: THB 15
Big C: THB 10 / every THB 49,000
CenPay: THB 5
Cross-Bank Bill Payment (8): THB 5
True Money: Maximum of THB 20
(1) Credit card interest rates, service charges, fees may be amended from time to time with a prior notice at least 30 days before the amendment become effective (service fees and charges are subject to VAT).
• The fee will be charged based on actual fee amount that UOB cardholder is charged by each payment service provider and can be changed in the future.
• The Bank has the right to extend or offer any benefits fo Banking Products/Services to cardholders.
(2) Get annual fee waiver for the first year. And get fee waiver for the following year when cumulative spending on card at a minimum per year of THB 300,000 for all PRIVI Miles card types, THB 200,000 for LADY’S Solitaire THB 150,000 for PREFERRED, THB 100,000 for LADY’S Platinum /YOLO Platinum.
(3) For cash Advance, the Bank will calculate interest starting from the withdrawal date of cash advance. For partial payment, the Bank will calculate interest starting from the date of payment to store.
(4) Effective date of Debt Collection Fee is 1 Aug 2014
(5) When cardholder uses credit card to make payment for goods and/or services and/or cash advance in a foreign currency, the expense incurred will be collected in Thai Baht. The collected amount is converted at the exchange rate applicable by each credit card company of which United Overseas Bank (Thai) Plc is a member as of the date such expenses were collected from the Bank on actual collection basis where the expense is not incurred in USD, the credit card company may convert it into USD then from USD to Thai Baht. Credit cardholders may view the exchanges rates via below links for preliminary reference:
For VISA: http://corporate.visa.com/pd/consumer_services/consumer_ex_rates.jsp
For MasterCard: http://www.mastercard.com/us/personal/en/cardholderservices/currencyconversion/index.html
For the purpose of risk protection, the Bank will charge an exchange risk-hedging premium on the top of the converted amount at a rate not exceeding 2.5% of the expense incurred.
(6) Greater Bangkok is Samutprakarn, Nonthaburi, and Pathumthani.
(7) When making payment of over THB 50,000 at Bank of Ayudhya in upcountry provinces, the additional fee of 0.10% of the payment amount or maximum of THB 1,000 shall be imposed.
(8) Cross-Bank Bills Payment members i.e. Siam Commercial Bank, Kasikorn Bank, Bangkok Bank, Krungthai Bank, Bank of Ayudhya, Kiatnakin Bank, Thanachart Bank and Government Saving Bank (Data as of Oct 2018) However, type of payment channels depended on each Cross-Bank Bills Payment members announcement.