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UOB One Card

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  • Reviews (103)
  • Questions (0)
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Credit Cards/UOB One Card
Credit Cards/UOB One Card
103 reviews
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This product is managed by UOB.


Speed of Approval


Ease of Fee Waiver


Customer Support


UOB One Card

Up to 10% on Grab


$300 per quarter




UOB One Card

Up to 10% on Grab


$300 per quarter





[EXCLUSIVE REWARDS] Get S$150 cashback. For new UOB cardmembers only. Valid till 7 March 2021. Terms and Conditions apply. Find out more below.

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  • Claimed in February 2021
  • Pays to access additional features

UOB ONE Card Review 2021

  • Get up to 10% off on Grab and UOB Travel Transactions
  • Enjoy up to 6% rebates on Singapore Power utility bill
  • Receive up to 5% rebates on all spend per quarter (with min 5 purchase per monthly statement, for 3 months consecutively)
  • Earn up to 3.88% p.a. interest on UOB One Savings Account

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. Receive up to 5% rebates on all spend per quarter, assuming 5 minimum purchases per monthly statement for 3 months consecutively. 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.

Read More about UOB One Card
Reviews (103)


103 Reviews

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    Most HelpfulMost RecentLow to HighHigh to Low
      Updated 2w ago


      UOB One Card

      Unreasonable. Unnegotiable. Uncompromising. Bully customers with their T&Cs and snuff customers. But in reality, their banking/credit card/back-end operations and Customer Service were broken in many ways. In spite of repeated feedbacks, nothing changed for years. Broken many guidelines required of banks in Fair Dealings Framework imposed by MAS. Do not recommend UOB, unless you want to get your blood boiling.



      Updated on 28 Jan 2021


      UOB One Card

      [Useful For...] People who spents minimum $500 per month, will get quarterly cash rebates depending on tiered based spending.



      Updated on 27 Jan 2021


      UOB One Card

      [Card Hacks] 10% cashback max for Grab services, Cold storage, 7 eleven and Shopee! [Cashback Card] Get your cashback 1 month after the 3 months statement period The best credit card in the market right now in my opinion, where else can you get 10% cashback? Need to jump through a few hoops though, it is definitely worth it! Around $200 cashback per month.



      Updated on 25 Jan 2021


      UOB One Card

      [Customer Service] Was surprised that the online chat function with a real person really worked and I got connected to someone quickly. My request was fulfilled seamlessly as well.



      Updated on 27 Dec 2020


      UOB One Card

      Got this card back in October 2019 but having second thoughts about it. Something many people might not know about is that if you ever receive a refund to your card (with cancellations happening nowadays), UOB counts it as you did not hit the minimum spend of $500. For me, I had spent about $500 in the month of October but because I received a refund of $330 because a concert was cancelled, my spending was found to be insufficient. It took about 2 calls and an entire week of waiting to be informed again, regardless of my appeal, that the interest for October was not available because I did not "spend" $500.



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      Exclusive Rewards

      Get S$150 cashback

      • Promotion is valid till 7 March 2021
      • Promotion is applicable to new UOB cardmembers
      • S$150 cashback will be given to the first 50 new UOB cardmembers who make a min. spend of S$1,500 on eligible goods and services within 30 days of card approval
      • Terms and conditions apply
      • To apply, click on the "Apply Now" or "Visit Site" buttons

      The Best Credit Cards of 2021 Review: How does UOB ONE compare?

      Features of UOB One Credit Card Cashback - up to 10% rebate

      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


      Up to 10% rebate on Grab and UOB Travel transactions


      Up to 6% rebate on Singapore Power Utility


      Up to 5% rebate on all spending


      Up to 3.88% p.a interest on UOB One Account


      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


      City Tours




      United Overseas Insurance


      Bread Talk


      Cathay Cineplexes


      Air Asia


      Cold Storage, Market Place, Jasons, Giant, Guardian


      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: Minimum annual income of S$30,000 or Fixed Deposit collateral of at least S$10,000
      • For Foreigners: Minimum annual income of S$40,000 or Fixed Deposit collateral of at least S$10,000

      Fees and Charges

      • Annual Principle Fee: $192.60
      • Annual Supplementary Card fee: $96.30
      • Fee waiver: 1-year annual fee waiver
      • Interest-Free Period: 21 days
      • Annual Interest Rate: 26.90%
      • Minimum Monthly Payment: 3% of the statement balance (or S$50, whichever is greater)
      • Late Payment Charge: $100
      • Cash Advance Fee: 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

      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, UOB’s 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.

      UOB Contact Info

      • Customer service(Credit card): 1800 222 2121

      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.

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