UOB One Card Reviews and Comparison - Seedly
UOB One Card
4.3
33 reviews
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Reviews (33)
4.3
Reviews (33)
4.3
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  • Great rebates especially if you use GRAB, can get back up to 10% cashback and the rebates are disburse on time every quarter.
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  • I love my UOB One Card! Great rebates and interest on UOB One Account. UOB also has amazing dining/travel/retail deals and discounts.
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    20
  • I signed-up because of the attractive 3.88% interest with the UOB One Account. Makes sense to use it as my daily card. Also helps that it comes in a really fancy chrome coloured card!
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    5
  • Very good credit card to unlock the UOB One Account interest. However the bill cycle affects the calculation of the interests which make it hard to do tracking
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    0
  • The UOB One Card is hands down UOB’s favourite entry level credit card – especially for those with a UOB One account too. The credit card owes its fame to its key proposition: a maximum of 5% cash rebate on everything, no need to futz about with different spending categories.
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  • One of the most attractive cash rebates in the market and its pretty straightforward to use. Will definitely recommend it to my peers.
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  • Surprisingly, the UOB One account is one of the few that won’t give you a headache, even if you have a severe maths allergy. It has a very simple structure and easy-to-attain bonus interest – minimal calculations needed.
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  • Best cash rebate card that link to the one account. Rebate is instantly for my stmt. Will recommend it to family and friend!
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    0
Questions (12)

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UOB One Card

Most credit cards do not include the transfer of money to another e-payment system in their credit card points, cashback, minimum spending. You may check directly by calling UOB.

Credit Card

Bank Account

UOB One Card

UOB One

DBS Multiplier

Nicholes Wong
Nicholes Wong
Level 6. Master
Updated on 06 Sep 2019
I would say both have its own strength and weakness. For DBS Multiplier, you can hit actually hit salary crediting, credit card spending and investment category. If you were to do a SSB ladder, you can get the investment category part of the crediting dividends as long as they don't change the criteria. All you need to do is to buy 6 months of SSBs consecutively and make sure your CDP is connected to DBS/POSB account. This way, after the 6 months of buying SSBs, you will receive SSBs interest every month for 10 years which will count as investment category under DBS multiplier. SSB minimum amount is $500 every time so it will take you at least $3,000 but of course, you can put more if you want to. The more transactions you have with DBS, the more interest you get. But for me their credit card doesn't really suit me, they have slightly higher minimum monthly balance, an additional step which is the SSB ladder and I don't have that much transactions in the first place. For UOB one, their credit card gives cashback for most stuff although you have to spend at least $500. (not very hard if have fixed expenses that UOB one give cashback.) Their EIR or effective interest rate is only 2.44% if you have 75k in the UOB one account. They also allow 3 giro transactions instead of salary credit so a bit different as well which means if you plan to keep a big amount of money with the banks you can do both DBS multiplier and UOB one at the same time with a single salary crediting. The headache part is if you don't hit $500 for a single time, you won't get the interest and you won't get the cashback for the quarter. Overall, just choose the accounts and credit cards that suit your need the most.

Credit Card

Lifestyle

Savings

Bank Account

UOB One Card

Aik Kai
Aik Kai
Level 6. Master
Updated on 23 Aug 2019
The one who told you the supp card cannot hit the tier is wrong. According to UOB One Card T&C, here are key points: 1) “Card Transactions” means the transactions successfully charged to the Card Account by the Principal Cardmember and the Supplementary Cardmember, AND posted on the Bank’s systems, but excludes the Exclusions. 2) Tier 1 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter is at least S$500 but less than S$1,000; AND (ii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. 3) Tier 2 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter is at least S$1,000 but less than S$2,000; AND (ii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. 4) Tier 3 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter (ii) is at least S$2,000; AND (iii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. In short, as long as you, the main cardholder, have 5 transactions per month, and your total spend across your card (main card) and your SO's card (supp card) hit at least $500, you are eligible for cash rebate. Link to T&C: https://www.uob.com.sg/assets/pdfs/onecardfulltnc.pdf Hope this helps!

UOB One Card

Credit Card

Pat
Pat
Level 4. Prodigy
Updated on 27 Jun 2019
Yep it does. If you are looking at the quarterly cash rebate, note that there's a total min spending of at least $500 monthly for 3 consecutive months.

CITI PremierMiles Visa Card

UOB One Card

Credit Card

Junus Eu
Junus Eu
Top Contributor

Top Contributor (Sep)

Level 8. Wizard
Answered on 23 Jun 2019
Do you expect to be consistently spending more than the max cashback limit? If it's for travelling for work like you said (and I guess business expenses are reimbursed), then no harm looking for another card to accumulate more points!

UOB

UOB One Card

Jonathan Ng
Jonathan Ng, Economics at Singapore Management University
Level 5. Genius
Answered on 18 Jun 2019
Hi Anon, Jonathan from Seedly here! Could I trouble you to contact [email protected] so we can better understand the problem you are facing and work to solve it? Thank you!

UOB One Card

UOB One

UOB

Investments

Jonathan Chia Guangrong
Jonathan Chia Guangrong, Fund Manager at JCG Fund
Level 6. Master
Answered on 20 Oct 2018
Higher returns tend to run in line with higher risk. The thing you need to ask yourself is how much of a risk appetite you can stomach before you need to cut losses. Generally speaking the safer choices would run the gamut of fixed deposits, higher yielding bank accounts like cimb fast saver and citibank's maxi gain, structured deposits, Singapore savings bonds, ABF Singapore bond index fund (through posb invest saver). Robo advisory portfolio with low risk profiles may also fit in here. Higher risk choices would be straight stock investing, robo advisory portfolio with higher risk profiles, equity Etfs and options portfolio. Typical returns range from about 4% to 40+% or more a year. For non managed portfolios, I'd suggest you find a mentor to teach you to shortcut the learning process. Saves money in the long run and you will be able to achieve your goals much faster. Just ensure there's a track record for the programme. Hope this helps

UOB One

UOB One Card

OCBC 360

Singapore Saving Bonds (SSB)

OCBC 365 Card

Comparison

Bank Account

Investments

Jay Liu
Jay Liu, Sleepyhead at Land of Dreams
Level 6. Master
Answered on 25 Sep 2018
Have a sufficient balance in your savings account. E.g. Having the min balance + some spare cash to use. Then the rest you can put into SSB. If you can hit the conditions for High(e.g. 3%) interest, you can consider just putting in the savings account itself.

UOB

DBS Multiplier

DBS

UOB One Card

UOB One

Investments

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
I work around this issue using other means to save. First I use BOC credit card for its cash back, but due to no salary credit bonus, I stuck with OCBC frank giving me 0.2%, and usually keep the bulk in SSB or buy stocks/REITS. If I do need emergency funds, I can swipe my credit card first then redeem my SSB to pay the bills. WIth this general strategy, my bank account does not have too much cash.
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About UOB One Card
Card NameUOB ONE Card
Cashback Rate3.3%-5%
Monthly Cashback Cap$50/ $100/ $300 per quarter
Monthly Min Spend$500/ $1,000/ $2,000
HighlightsUOB One bank account holders, large payments (eg wedding, renovation)

Fees and Charges for UOB One Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: Free (Subsequent card: $96.30)
  • Fee waiver: 1-year annual fee waiver
  • Interest-Free Period: 21 days
  • Annual Interest Rate: 25.90%
  • Minimum monthly payment: 3% or $50, whichever is higher
  • Late payment charge: $90
  • Cash advance fee: 6%

Eligibility for UOB One Card

  • Singaporeans and PR; Minimum annual income of $30,000 or fixed deposit collateral of at least $10,000
  • Foreigners; Minimum annual income of $40,000 or fixed deposit collateral of at least $10,000

Key features of UOB One Card

  • Up to 10% rebate on all Grab transactions
  • An additional 5% rebate on Grab rides, food and top-ups (must hit quarterly cash rebate)
  • Up to 5% cash rebate based on a retail spend of $2000 with a minimum of 5 transactions per statement month.
  • Up to 3.33% cash rebate based on a retail spend of $1,000 or $500 with a minimum of 5 transactions per statement month

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

For more info, you can check out UOB One’s website here.