UOB Makro Credit Card

The Most Rewarding Credit Card at Makro

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Apply for UOB Makro Credit Card now

UOB Makro Credit Card, your worthwhile shopping companion at Makro stores. With this card, you'll enjoy rewards points and cash rebate on Makro purchases and elsewhere, ensuring savings in every transaction with flexible payment options. Join the UOB Makro Credit Card and elevate your shopping experience with rewards and benefits tailored to your everyday needs. Apply and start enjoying a world of savings and convenience like never before.

SIGNUP PROMOTION​

Receive up to 12,000 UOB Rewards Points + Makro Voucher valued THB 1,000

Receive 12,000 UOB Rewards Points + Makro voucher valued THB 1,000* when spending at least THB 20,000 within 60 days after credit card is approved.

Receive 6,000 UOB Rewards Points + Makro voucher valued THB 500* when spending at least THB 5,000 within 60 days after credit card is approved.

1 June – 30 September 2026​

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UOB Makro Credit Card Privileges

Receive X1 UOB Rewards Point

for every THB 100 spent at Makro stores nationwide and every THB 25 spent at Makro PRO and elsewhere

Receive X2 UOB Rewards Points on every 16th of each month

for every THB 100 spent at Makro stores nationwide and every THB 25 spent at Makro PRO and elsewhere

Redeem UOB Rewards Points for Makro voucher

every 5,500 points can be redeemed for Makro voucher valued THB 500

Pay with Points

Redeem UOB Rewards Points for cash rebate up to 100%

Special movie ticket price at SF Cinema

Purchase movie ticket at only THB 69/seat at SF Cinema nationwide (Limited 2 seats/ month).

1% cash rebate at Shell or Caltex gas stations

when spending every THB 800/sales slip at Shell Gas or Caltex Stations.

Longer repayment period

up to 45 or 55 days.

Details of UOB Makro Credit Card Privileges

  • Receive 1 UOB Rewards Point for every THB 100 spent at Makro stores nationwide and for every THB 25 spent elsewhere (including Makro Pro).
  • UOB Rewards Points will be calculated on total spending of primary and supplementary cards. The Bank has the right to cancel or not to credit UOB Rewards Points in case of cancellation of any purchased products or services ordered, either domestic or international.
  • UOB Rewards Points are excluded from spending transaction of Cash Advance, Balance Transfer, Click for Cash/Call for Cash, spending at gasoline stations, Mutual Fund, LTF, RMF, unit-linked products, (The Bank will refer to Visa Securities–Brokers and Dealers Merchant Category Code 6211 only), Spending in Thai Baht at overseas merchants and online merchants registered outside Thailand, PayAnything transaction over THB 100,000, annual fee, interest, foreign currency exchange, cancellation fee of goods and services both local and foreign, Tax and other fees as specified by The Bank
  • Eligible spending to earn UOB Rewards Point does not include utilities /spending under MCC 4900 and all E-Wallet Top up transactions posted on 1 Jan 2025 onwards.
  • In case of tax refund for products and services, if the customer chooses to receive the tax refund via credit card, the customer acknowledges that in calculation of UOB Rewards Points, the total spending amount on the credit card will be deducted by the tax amount that the customer has received through the credit card.
  • UOB Rewards Points will be credited to the primary card account on the statement cycle date.
  • For spending at hypermarkets and supermarket, the customer will receive 1X UOB Rewards Point for every THB 25 spending, limited to THB 100,000/account (primary and supplementary card combined)/billing cycle. The Bank will refer to the correct spending category, set by VISA according to MCC Code 5411 only.
  • The Bank reserves the right to limit UOB Rewards Points from every spending up to 150,000 points/account (primary and supplementary credit card combined)/calendar year.)
  • UOB Rewards Points have no expiry date.
  • For every THB 100 spent at Makro stores nationwide and for every THB 25 spent elsewhere (including Makro Pro) for spending on 16th of the month.
  • UOB Rewards Points will be calculated on total spending of primary and supplementary cards. The Bank has the right to cancel or not to credit UOB Rewards Points in case of cancellation of any purchased products or services ordered.
  • 2X UOB Rewards Points will be credited to Primary card within 60 days from the end of the month that customers have spent per criteria.
  • One time registration via SMS is required to receive cash rewards points: Type MMID (space) followed by last 12-digit credit card number and send to 4545111 (SMS fee depends on your package)
  • 2X UOB Reward Points will be effective for the spending in the month which customer has successfully completed the registration. It cannot be applied to any transactions in the previous months. The cardholder must keep the Bank’s SMS confirmation as a proof if needed.
  • The Bank reserves the right to limit UOB Rewards Points from every spending up to 150,000 points/account (primary card and supplementary card combined) per calendar year.
  • UOB Rewards Points are excluded from spending transaction of Cash Advance, Balance Transfer, Click for Cash/Call for Cash, spending at gasoline stations, hypermarkets and supermarket (MCC Code 5411), Mutual Fund, LTF, RMF, unit-linked products, (The Bank will refer to Visa Securities–Brokers and Dealers Merchant Category Code 6211 ), Spending in Thai Baht at overseas merchants and online merchants registered outside Thailand, PayAnything transaction over THB 100,000, annual fee, interest, installment plan (UOB iPlan), foreign currency exchange, cancellation fee of goods and services both local and foreign, tax and other fees as specified by The Bank.
  • Eligible spending to earn UOB Rewards Point does not include utilities /spending under MCC 4900 and all E-Wallet Top up transactions posted on 1 Jan 2025 onwards.
  • UOB Rewards Points have no expiry date.
  • Redeem UOB Rewards Points for Makro voucher via www.uob.co.th/rewards, where every 5,500 points can be redeemed for Makro voucher valued THB 500. The customer can redeem the points with an unlimited amount.
  • Voucher cannot be exchanged for cash or transferred to others.
  • The Bank will deliver voucher to the address that the customer has registered with The Bank for primary card account within 60 days from the rewards redemption date.
  • The Bank reserves the right not to change or return voucher in the event that the voucher is already delivered to the customer’s address and the acknowledgment of receipt is signed by the customer or its representative.
  • Conditions for using the voucher, purchase of products and return of products are as specified by Makro.
  • Please check the terms and conditions specified in the voucher.
  • "Pay with Points" refers to a co-promotional program enabling the UOB Credit Card holders to convert their UOB Rewards Points to cash back for their prepaid goods and services along the validity of program. Points are not in lieu of cash that cardholders can request for conversion directly at point of sales.
  • UOB Makro Credit Card can choose to redeem points for cash rebate for transactions at Makro with conversion rate 9 points = THB 1
  • UOB Credit Card members can redeem UOB Rewards Points for cash rebate at UOB TMRW TH Application
  • The Bank reserves the right to customers who have available Rewards points enough to redeem for cash rebate and card member with no outstanding overdue balance or spending over credit limit can perform Rewards redemption.
  • All Pay with Points transactions are under the terms and conditions specified by UOB.
  • Pay with Points transaction cannot be changed, cancelled or the points cannot be transferred back to card member's account.
  • Cash rebate will be uploaded within next month billing cycle of the statement after confirmation of redemption.
  • The Bank reserves the right to change conversion rate with prior notice, UOB Credit Card members can check the conversion rate before redeeming UOB rewards Points.
  • The Bank reserves rights of final decision on any disputes arising out of or in connection with this promotion.
  • Purchase a movie ticket at THB 69/ seat for Deluxe seat at all SF Cinema affiliated theaters nationwide (except Emprive’ Cineclub).​
  • Claim the privilege at ticket counters or movie ticket vending machine (Express Ticketing) at all SF Cinema affiliated theaters (except Emprive’ Cineclub).​
  • Card member may upgrade to Premium Seat, Prime Seat, or 3D movies by paying the applicable price difference.
  • To claiming the privilege at SF World Cinema Central World and all Zigma Cinestadium theaters, card member must pay THB 89/ seat for Premium seat and THB 119/ seat for Prime seat on standard movie screening (card member responsible for the applicable price difference).
  • Exclusive for UOB Makro card members and must purchase movie ticket through UOB Makro Credit Card.​
  • This privilege can not be used in conjunction with UOB Rewards promotion.​
  • Limit 2 seat/ month/ account and limit up to 600 seats/ month all branches combined.​
  • This privilege cannot be used in conjunction with Movie Day promotion and all types of discount promotion.​
  • This privilege cannot be exchanged or transferred to cash.​
  • For MEGA BLOCKBUSTER movies, card member must pay the applicable price difference from Deluxe seat type at each theaters on screening date.​
  • Card member acknowledges that the special price for movie ticket is provided by third party merchant, and not by The Bank. The Bank is not responsible for the acts or omissions of such merchants, or for any deficiency in the facilities and services offered.​
  • The Bank reserves the right to make a decision on any disputes arising out of or in connection with this promotion.
  • To receive a cash rebate, registration via SMS is required. Type USC (space), followed by the last 12-digit credit card number and send to 4545111 (SMS fee depends on your package)or register for free via Reward+ on the UOB TMRW between 1 February 2026 - 31 January 2027
  • If a cardholder has multiple credit cards, they only need to register once before making transactions with the credit cards.
  • The cashback calculation will be applied only to transactions made after successful registration. Transactions made before registration will not be eligible for cashback. Cardholders should keep SMS confirmation received upon registration for verification purposes if needed.
  • 1% Cash rebate filling up gasoline at Shell or Caltex gas stations for every THB 800 spent per sales slip.
  • The total eligible spending for cash rebate calculation is capped at 3,200/customer/month, with a maximum spending of at THB 1,600/time/sales slip (Including both primary and supplementary cards).
  • The Bank will credit the cashback amount to the primary cardholder’s credit card account within 60 days form the end of the month in which the eligible spending occurs.
  • This promotion is only for UOB credit cards issued in Thailand, excluding corporate credit cards.
  • The Bank reserves the right to provide this promotion only to the cardholder who maintains active credit card status until the date of transferring cash rebate back into account.
  • The cash rebate will be calculated based on spending made with UOB credit cards for fuel purchases at Shell or Caltex stations, only at participating locations.
  • Spending exceeding THB 800 per sales slip will not be calculate for cash rebate and the Bank will calculate based from transaction date.
  • In case of any dispute concerning the cash rebate calculation, the primary cardholder should contact the bank to verify within 30 days from the date the rebate is credited to the card account.
  • Cash rebate cannot be exchanged or converted into cash or transferred to others.
  • The Bank is not responsible for any damage or defects related to the products and/or services. If customer had any cases, please contact the store directly.
  • The Bank reserves the rights to decide on any disputes arising out of or in connection with this promotion.
  • Use when necessary and pay back full amount on time to avoid 16% interest rate.

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1st year annual fee waiver

age

20 years old or above

Things you should know

  • Annual fee for first year : No Charge
  • Annual fee for the following year : THB 1,900 (+VAT THB 133)
  • Annual fee for supplementary card : THB 950 (+VAT THB 67)
  • Annual fee waive with spending of THB 200,000 / year
  • Annual interest fee: 16% per annum (exclusive of VAT 7%)
  • Minimum Installment Payment Rate: 8% of the total amount as per the monthly statement for 2026
  • Cash Advance Transaction Fee: 2.5% of the cash amount withdrawn (effective from 1 Jul 2026)​
  • Grace Period (free of interest charge period) : maximum of 55 days from the date of previous billing cycle

Age

  • Primary Card: 20 – 60 years old
  • Supplementary Card: 15 – 80 years old

Monthly Income

  • Thai Citizen: THB 15,000 or above
  • Foreigners: THB 50,000 or above

Work Experience

  • Officer: 4 months or above
  • Business Owner: 3 years or above

Required Documents

  • Thai Citizen: ID card copy, house registration copy, payroll slip / company registration copy, personal bank statement
  • Foreigners: Passport copy, valid work permit, payroll slip / company registration copy, personal bank statement, residential proof (lease agreement / utility bill / credit card bill / employment letter)
UOB Makro Credit Card's online acquisition terms and conditions
  • This promotion is valid from 1 June – 30 September 2026 for new customers who have never held any type of UOB credit card, or who previously held a UOB credit card but canceled it at least 6 months prior to the new application date (counted from the cancellation date to the new application date). Applicants must provide email in the application, and enroll to receive e-Statement via the UOB TMRW App.
  • The UOB Makro Credit Card must be approved by 15 October 2026, and applications must be made through online channels only. Cardholders are required to spend at least THB 5,000 within 60 days from the card approval date.
  • Cardholders who spend within 60 days from the approval date will receive benefits based on their spending as follows:
    • spending of THB 20,000 or more will receive 12,000 bonus UOB Reward points and a Makro gift voucher worth THB 1,000 or
    • spending of THB 5,000 or more will receive 6,000 bonus UOB Reward points and a Makro gift voucher worth THB 500.
  • In addition, customers who apply for the UOB Makro Credit Card can redeem 2,000 bonus points for one Snoopy Trolley 20” suitcase valued at THB 6,800 or
  • if applying together with a Cash Plus card, they can redeem 2,000 bonus points for Black Supreme Trolley 26” suitcase valued at THB 9,590.
  • The bank will send Makro gift vouchers to the address specified in the primary account within 90 days from the end of the month in which spending meets the conditions.
  • Bonus UOB Reward points will also be credited within 90 days from the end of the qualifying spending month, and confirmation will be sent via SMS to the mobile number provided in the application. If customers have any disputes or do not receive the bonus points or gifts, the primary cardholder must contact the bank within 150 days from the end of the qualifying spending month; otherwise, the bank will consider that the rewards have already been received.
  • Rewards and points cannot be exchanged for cash or transferred to others, and the bank limits one reward per primary cardholder.
  • The bank reserves the right not to accept returns or exchanges once rewards have been delivered through the designated channel.
  • The promotion is limited to new customers who meet all conditions, and cardholders must maintain active status and not default on payments until the rewards are granted.
  • For calculating eligible spending, the bank will consider transactions made with the UOB Makro Credit Card (primary card only), including cash advances and UOB iPlan installment payments (counting only the monthly billed amount). Excluded transactions include utility payments (electricity and water), unbilled installment purchases, investment fund purchases, UOB PayAnything transactions, fund transfer programs, foreign currency exchange transactions, canceled or refunded transactions both domestically and internationally, tax refunds, interest, penalties, fees, and business-related expenses. If customers apply for the UOB Makro Credit Card together with other UOB credit cards, spending from those other cards will not be included.
  • The bank is not involved in the manufacturing or delivery of luggage. In case of defects or damage, customers must contact the respective companies responsible. The bank reserves the right to change the promotion or rewards with prior notice and its decision regarding the promotion is final.
  • Customers are advised to review all details before applying for the card.
  • The bank is not involved in the production and delivery of luggage. In case of any damage or defect of the suitcase,For Snoopy Trolley 20” please contact Adtech Micro System Co., Ltd. Ramintra 8/2 Anusawari, Bang Khen, Bangkok 10220 Tel.0 2522 3678 and for Black Supreme Trolley 26” please contact Blue Light Industry Co., Ltd. 76 Moo 1, Krachaeng Subdistrict, Sam Khok District, Pathum Thani 12160 Tel. 0 2581 8535-9 ext. 120, 08 8022 0023, E-mail luggagecare.caggioni@gmail.com
  • Use when necessary and pay back full amount on time to avoid 16% interest rate.
  • Reference code: 26BB21.
UOB Makro Credit Card product details
  • UOB Rewards program is not applicable for the following expense: Cash Advance, Balance Transfer, Click for Cash/Call for Cash, spending at gasoline stations, Mutual Fund, LTF, RMF, insurance and Unit Link (UOB will refer to Visa Securities–Brokers and Dealers Merchant Category Code 6211), Utility (water & electricity), amount of the bill payment service via UOB Online, annual fee, interest, UOB Rewards program is not applicable for the following expense: Cash Advance, Balance Transfer, Click for Cash/Call for Cash, spending at gasoline stations, Mutual Fund, LTF, RMF, insurance and Unit Link (The Bank will refer to Visa Securities–Brokers and Dealers Merchant Category Code 6211 only), Utility (water & electricity), amount of the bill payment service via The Bank Online, annual fee, interest, foreign currency exchange, cancellation fee of goods and services both local and foreign, Tax and other fees as specified by The Bank and other fees.
  • Rewards reversal will be applied in the statement cycle when reversal transaction is posted which may differ from the statement cycle of corresponding purchase transaction. Accelerated/bonus reward points will be awarded only if cumulative value of new purchase transactions in the respective spend category is higher than the value of transactions reversed.
  • Spending at Hypermarket and Supermarket over THB 100,000 per billing cycle will not be eligible to earn UOB Rewards Points. For spending amount less than THB 100,000 and all overseas spending in foreign currency, 1 UOB Rewards Point will be given for every THB 25 spending as normal. UOB will refer to Visa Hypermarket Merchant Category Code 5411 only.
  • Interest rate including penalty fees and other service charges at maximum of 16% per annum. Cash withdrawal fee at 3% of amount withdrawn. Credit Card annual fee by card type from THB 0 to 99,000 per annum. Payment fee based on the points of service providers from THB 0 to 50. Card replacement fee in case of loss/damage of THB 200. Statement re-issuing fee of THB 50. Copy of sales slip fee of THB 200. Transaction investigation fee of THB 200. Collection fee of THB 50 for the first cycle and THB 100 for the following cycle - only applies if outstanding balance is over THB 1,000 (Effective from September 12, 2021 onwards). Currency conversion risk factor maximum 2.5% of the standard exchange rate set forth by Visa on retail or cash transactions incurred in foreign currencies, collectible in Thai Baht. Details of interest rate and fees are available at www.uob.co.th
  • As a result of the cancellation of the card, card member hereby acknowledges that the annual fee refund is pro-rate according to non-utilization period of service covered by the card.
  • In case of any payments default, whether in whole or in part, The Bank is eligible to charge interest during the period of payment default, at the rate as deemed appropriate by The Bank , which shall not exceed the maximum interest rate chargeable under applicable laws. In case that your outstanding balance exceeds THB 1,000 and this UOB Credit Card agreement is still remain valid, then collection fee will be charged at THB 50 for the first cycle which outstanding balance remains unpaid. In case that the outstanding balance remains unpaid for more than one cycle, you will be charged the collection fee at THB 100 for each of the following cycle(s).
  • For more information, please contact UOB Phone Banking at 0-2285-1555, or UOB website.

UOB Makro Credit Card - Frequently Asked Question

The UOB Makro Credit Card offers exclusive discounts, cashback rewards, and tailored promotions for Makro stores, providing a seamless shopping experience.

You can apply for a UOB Makro Credit Card through the UOB website, by visiting a UOB branch, by visiting UOB Makro booths at participating Makro stores or by contacting our customer service.

Yes, the UOB Makro Credit Card can be used for both in-store and online purchases at Makro in Thailand. Enjoy the same benefits and rewards, whether shopping physically or virtually.

To maximize rewards, keep an eye on exclusive promotions offering monthly. Additionally, use your card during the special promotion periods or in conjunction with Makro loyalty programs for enhanced savings.

Yes, take advantage of our flexible installment plans when making significant purchases at Makro stores. Check with the cashier for available options./p>

Monitor your transactions easily through the UOB online banking portal or mobile app. You can review your statements, track expenses, and set spending alerts.

Absolutely. Use the contactless payment feature on your UOB Makro Credit Card for a faster and more convenient checkout experience at Makro stores. Simply tap and go!

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