UOB One Card
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Summary of UOB One Card Review 2022
UOB One Card is a card that offers one of the highest cashback rates of up to 10% for spends on selected merchants and a handsome 5% on all other spends.. Users who consistently spend at least $2000 will reap the most benefit out of this card.
Why you should apply for UOB One Card?
- One of the highest cashback rates you can earn - up to 10% on selected merchants with the UOB One Card
- You get to enjoy high base cashback rate of up to 5% for all spend per quarter
- For your Singapore Power Utilities bill payments, you get to enjoy additional 1% cashback for 6% total cashback
- Add your UOB One Account to your UOB One Card so you can enjoy interest rates of up to 2.5% p.a.
Can you enjoy annual fee waiver for UOB One Card?
Yes, the annual fee for the UOB One Card of $192.60 (inclusive of GST) is waived for the first year
Who should apply for the UOB One Card?
- Those with consistent monthly spending of at least S$2000 will stand to benefit the most with the UOB One Card
- Spenders who make transactions on a wide category of everyday essentials from rides (Grab), groceries (Cold Storage, Giant etc), food delivery (Grabfood) and utlities (Singapore Power)
What is the minimum income requirement for the UOB One Card?
- Singapore/PR: Minimum Income of S$30,000 or fixed deposit collateral of at least S$10,000
- Non-Singaporean Minimum Income of S$40,000 or fixed deposit collateral of at least S$10,000
UOB ONE is indeed ONE of the best rebate cards and cashback credit cards available in the market. Stand to enjoy up to 10% rebate on all Grab and UOB Travel transactions. up to 6% rebates on Singapore Power utility bill. Get additional rebates with UOB's very own SMART$ Rebate Programme with merchants like Shell, BreadTalk, Air Asia and more. Plus, the UOB ONE card helps contribute to earning bonus rates for if you have a UOB ONE savings account.
Find out about the card's host of benefits, charges, promotions and eligibility criteria below.
UOB One Card
Up to 10% on Grab
CASHBACK
$300 per quarter
CASHBACK CAP
$2,000
MINIMUM SPEND
UOB One Card
Up to 10% on Grab
CASHBACK
$300 per quarter
CASHBACK CAP
$2,000
MINIMUM SPEND
4.2
145 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
- Personally didn't really enjoy using this card and the overall experience with UOB was not the best. Didn't like their app interface and was extremely difficult to get connected with their Customer Support (who was also most of the time not very helpful with your requests). They do have a good list of benefits tho but wasn't worth the hassle for me.
0
What are your thoughts? - UOB recently reviewed their T&Cs, so even if you hit the consecutive $2000 monthly spend for a quarter, you get 3.33% cashback ($200) instead of the previous 5%. this doesn't affect me as much as I usually aim for the lowest tier ($500 monthly spend). [Useful For...] The major perk of this card, is the additional cashback you get from participating brands if you hit the above requirement. Spends from Grab, Shopee, and Diary Farm Group (Giant, Cold Storage, 7-Eleven etc) gets an additional 5-6.67% cashback if you hit the monthly tiers (6.67% only if you hit $2000 monthly spend). this additional cashback is capped at $100. Overall, still a good cashback card if you are a frequent user of the brands above đđ»
0
What are your thoughts? - Posted 24 Apr 2022
Purchased
UOB One Card
Used this card for cash back needs. Its good when pairing with other apps to further stack your rewards. Easy to obtain fee waiver as well.0
What are your thoughts? - Both my wife and me have UOB one account and combined with this card to earn up to 3.33% interest bonus, but sadly, due to COVID-19, the interest seems lower now, but never less still a good source to earn extra interest
0
What are your thoughts? - Posted 06 Nov 2021
Purchased
UOB One Card
A lot of promotions with this card and also the rebates and the cash back is really good. Would highly recommend to my friends0
What are your thoughts?
No Posts Found.
The Best Credit Cards of 2021 Review: How does UOB ONE compare?
Find out how a Cashback credit card works, and the difference between Cashbacks and cash rebates.
Key Features and Benefits of UOB One Card
These are some features of the UOB One Card and the Cashback benefits it has to offer.
UOB One Card Benefit | What You'll Get |
|---|---|
Travel | Up to 10% rebate on Grab and UOB Travel transactions |
Utility | Up to 6% rebate on Singapore Power Utility |
Spending | Up to 5% rebate on all spending |
Interest | Up to 3.88% p.a interest on UOB One Account |
Fuel | up to 20.8% off at Shell and 24% off at SPC |
UOB One Card Benefits
Additional rebate with UOB SMART$ Rebate Programme
SMART$ Merchants | Rebates |
|---|---|
City Tours | 10% |
Shell | 7% |
United Overseas Insurance | 5% |
Bread Talk | 3% |
Cathay Cineplexes | 2% |
Air Asia | 1% |
Cold Storage, Market Place, Jasons, Giant, Guardian | 0.3% |
UOB SMART$ Rebate Programme
Eligibility: Who can apply for UOB One Card
To be eligible for the UOB One Card, you'll have to meet the following criteria:
- 18 years old and above
- For Singaporeans and PRs:Â Minimum annual income of S$30,000 or Fixed Deposit collateral of at least S$10,000
- For Foreigners:Â Minimum annual income of S$40,000 or Fixed Deposit collateral of at least S$10,000
Fees and Charges
- Annual Principle Fee:Â $192.60
- Annual Supplementary Card fee:Â $96.30
- Fee waiver:Â 1-year annual fee waiver
- Interest-Free Period:Â 21 days
- Annual Interest Rate:Â 26.90%
- Minimum Monthly Payment:Â 3% of the statement balance (or S$50, whichever is greater)
- Late Payment Charge:Â $100
- Cash Advance Fee:Â 6% per transaction (or S$15, whichever is greater)
Terms and Conditions of UOB One Card
- Quarterly Cashback is awarded based on the minimum spend in the following manner:
- Tier 1 Min Spend: At least $500 but less than $1,000 worth of card transactions comprising at least 5 card transactions for the quarter. Quarterly Cash Rebate: $50
- Tier 2 Min Spend: At least $1,000 but less than $2,000 worth of card transactions comprising at least 5 card transactions for the quarter. Quarterly Cash Rebate: $100
- Tier 3 Min Spend: At least $2,000 worth of card transactions comprising at least 5 card transactions for the quarter. Quarterly Cash Rebate: $300
- UOB Travel transactions, excluding online and flight only bookings, you are able to enjoy addition 5% rebate
- 5% rebate from Grab spending
- 1% rebate for Singapore Power payment
Cash Rebate Will Not Be Awarded On:
- Payments made to charitable/religious organisations
- Payments government institutions and services
- Cash advancements
- Any late payment charges or interests charges on any Card
- Any fees payable to the bank
Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and Cashback, factors to consider before getting one, fees to know, and why a good credit score matters.
You can also ask your questions, anonymously if you'd prefer, on Seedly!
Contact UOB
- Customer service(Credit card): 1800 222 2121
About UOB
United Overseas Bank (UOB) was incorporated in 6th August 1935 as the United Chinese Bank. Through a series of acquisitions, it is now a leading bank in Asia. Besides Far Eastern Bank in Singapore, UOBâs major banking subsidiaries in the region are United Overseas Bank (Malaysia), United Overseas Bank (Thai), PT Bank UOB Indonesia and United Overseas Bank (China). UOB Group currently has a network of over 500 offices in 19 countries and territories in Asia Pacific, Western Europe and North America.
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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