UOB One Card Reviews and Comparison - Seedly
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UOB One Card

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  • Reviews (97)
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Credit Cards/UOB One Card
Credit Cards/UOB One Card
97 reviews


This product has not been claimed by the company yet.


Speed of Approval


Ease of Fee Waiver


Customer Service


UOB One Card

Up to 10% on Grab


$300 per quarter




UOB One Card

Up to 10% on Grab


$300 per quarter





UOB ONE Card Review 2020

  • 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 (97)


97 Reviews

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  • Updated 2w ago


    UOB One Card

    [Cashback Card] Nubbad as a cashback card as long as I meet the minimum required spending for the quarter. I use it as my daily spend card. [Fee Waivers] Relatively stress-free, I just call in every year and get put through an automated system which approves my fee waiver immediately. Not sure why they don't wanna just remove it entirely... that would lower the number of people calling in and potentially free up their customer service hotlines?


  • Updated 4w ago


    UOB One Card

    Don't understand why bank insist on charging credit card fee. Customer service is non existence and long waiting time


  • Updated 4w ago


    UOB One Card

    The customer officer called in and informed me that my membership fee waiver was rejected. I found it strange as it was my main card with spending of ~$1.5K a month, or $18k annually. For the mgmt decision to reject the waiver, I hope it is some process loophole somewhere, else, they will definitely drive away their customer. For the main card, I simply cannot accept the fact that they rejected my waiver request. Pending their response back on a second appeal. If they again come back with an unfavorable response, I will be terminating all my cards with UOB and considering switching my UOB one account to another bank. [Fee Waivers] On a side note, UOB One card until now still not showing the eligible period prominently on the apps or website. ONE card requires you to spend 3 months consecutively for a certain amount ($500, $1000, $2000) to be eligible for the 3.3% or 5% rebate. Not showing the eligible period makes it hard for us to manage our expense to hit the maximum 5% rebate. Perhaps it is a conscious business decision by the mgmt to give less rebate (I don't know), but this is something that can be improved in terms of UX. [Others]


  • Updated on 27 Sep 2020


    UOB One Card

    Fee waiver been rejected. Said that must use 13k annually. Others bank don’t have this issue, not recommended.


  • Updated on 15 Jul 2020


    UOB One Card

    I’ve been using UOB One Card for some time now & using more of UOB banking services due to the ease of getting it approved and the higher interest rates linked to the UOB One account. Fee waiver process is very smooth & automated.


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The Best Credit Cards of 2020 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

UOB One Card Promotions

  • Up to $230 when new to bank apply for UOB One Card, comprising of:
  • $150 Cash Credit when you apply for a UOB Credit Card online with a min spend of S$1,500 within 30 days
  • $80 Cash Credit when you open a UOB Deposit and maintain a minimum of S$5,000 of fresh fund
  • Promotion is valid till 30 June 2020

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

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