Yes, there are some. The categories are:

1. Installment
2. Insurance
3. Money exchange
4. Mutual fund
5. Cash advances
6. Late payment charges or interest charges
7. Other fees and charges such as cash advance, annual or monthly fees or charges.

Log in to UOB TMRW and ensure that you have made 2 QR payments and 2 bill payments within the month to be eligible for the 6% cashback!

Of course you can. To view your current selected categories, navigate to your TMRW Credit Card and tap on "Services". Under "Others", tap on "Choose cashback categories".

Yes, you can. You can change your cashback categories once you have completed 2 QR payments and 2 bill payments via your TMRW Everyday Account within the same month. You can proceed to change your categories in the cashback screen in the following month.

Yes. Here's what you need to do:

1. Make 2 QR payments within the same month via the UOB TMRW App; AND
2. Make 2 bill payments with your TMRW Everyday Account within the same month via the UOB TMRW App.
3. After you have fulfilled the above requirements by the last working day of the calendar month, you will be eligible for the 6% cashback on your selected spend categories made in the following month.
4. Your remaining spend categories will continue to earn 0.2% cashback.

Of course. Once you have made 2 bill payments and 2 QR payments from TMRW Everyday Account via UOB Personal Internet Banking, you will be eligible for the 6% cashback.

No, you cannot. You can only choose 3 out of the 8 categories.

We'll identify the transactions and their categories via Merchant Category Codes (MCC). These codes are not decided by us, but rather by the merchants and their acquiring banks.

I am sorry, you cannot. You can only change your cashback categories once a month. Instead, you can opt for changes in the next month.

You may select 3 preferred cashback categories via the UOB TMRW App once a month to get 6% cashback the following month.

ou may select 3 preferred cashback categories via the UOB TMRW App once a month to get 6% cashback on your selected categories in the following month.

Here's a list of cashback categories that are available:

1. Dining
2. Supermarket and Minimart
3. Transportation
4. Beauty & Salon
5. Electronic & Gadget
6. Fashion & Department Store
7. Gasoline
8. Hotel & Travel

Don't worry. You'll still earn 6% cashback based on the latest categories set by you or on the default categories, which are:

1. Dining
2. Supermarket and Minimart
3. Transportation
4. Beauty & Salon
5. Electronic & Gadget
6. Fashion & Department Store
7. Gasoline
8. Hotel & Travel

They will simply go back to the default cashback rate and default cashback categories, which are:

1. 1% cashbacks on:
1. Dining
2. Department Store
3. Travel; and
2. 0.2% cashbacks on all other categories.

Cashback will be calculated based on the transaction posting dates within a calendar month. The cashbacks will be seamlessly credited to your TMRW Credit Card every month.

On the second business day of the following month - that's how fast you'll get your cashbacks. Remember to keep your TMRW Credit Card in good standing by ensuring that you have no overdue payments or bills. Otherwise, your cashback may be forfeited.

The maximum cashback you can earn from your TMRW Credit Card is Rp 200.000 per month.

The minimum Cashback for cashback from TMRW Credit Card is Rp50.000.

Unfortunately, your cashback cannot be converted to cash. Also, you may not transfer the cashback to pay someone else or use it to pay liabilities of any person.

Your cashback is considered as payment so it could reduce your minimum monthly amount due.

You can change your cashback category by navigating to your TMRW credit card menu, and selecting "Choose cashback categories" from the "Others" section.

Once you are on 6% cashback, you can change the preselected categories to your preferred categories any time in the month and see the rebate details by tapping on "View Categories".

Here is how it works:

By default, you will be earning 1% cashback* for dining, supermarket & minimart and transportation (preselected categories). For the rest of the categories, you will be earning 0.2% cashback.

Once you make 2 bill payments and 2 fund transfers within a month, you will be eligible for 6% cashback in the following month for preselected categories. You can make changes to the preselected categories to become your preferred** categories once you are on 6% cashback. For the rest of the categories, cashback rate will remain at 0.2%.

Your cashback will be credited on the second working day of the following month.

Please take note that cashback rate and categories will fall back to default setup next month if 2 funds transfers and 2 bill payment is not made in current month.

*Cashback is only applicable for credit card transactions.

**3 categories can be selected as preferred categories.

Here is an example:

Mr. Tony made 2 fund transfers and 2 bill payments by 15 October. He can make changes to his preselected categories any time in November to start enjoying 6% cashback on preferred categories for his transactions between 1-30 November.

He will be credited 6% cashback for his preselected/desired categories and 0.2% for transactions of other categories on the second working day in December.

In Nov, he will be credited 1% cashback for his preselected categories and 0.2% for rest of the categories for his transactions between 1-31 October.

Yes. Your cashback will be credited back to you for the reversed transaction.

You can convert up to 5 transactions into Flexi Repayment per conversion request as long as each transaction has a minimum of IDR 500,000.

You can also make multiple requests for Flexi Repayment conversion.

Of course you can.

Unfortunately, you can only convert your unbilled transaction.

There are 3 different installment payment tenures to choose from:

1. 3 Months
2. 6 Months
3. 12 Months

Interest rate of each tenure is the same at 1.3% flat interest rate per month.

Flexi Repayment can be used for transactions that fulfil the following criteria:

1. You can combine up to a maximum of 5 transactions per request for Flexi Repayment.
2. Each transaction amount must be a minimum of IDR 500,000.
3. Only transactions that HAVE NOT BEEN BILLED are allowed for Flexi Repayment conversion.

Note: The following transaction types are not applicable for Flexi Repayment conversion:

• Interest payment
• Cash Advance
• Existing Flexi Repayment installment payment
• Fees & Charges

Yes, there is a cancellation fee of IDR 250,000 if you wish to cancel your Flexi Repayment plan.

Unfortunately no, you will not be able to change your Flexi Repayment tenure once your start. If you would like to cancel your Flexi Repayment, there would be a Rp 250.000 cancellation fee imposed.

Once you have chosen your preferred tenure, you can easily see the interest rate and the monthly instalment amount of your instalment request.