UOB One Card
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4.1
162 reviews
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Summary
UOB One Card
The UOB One Card is one for the big spenders, with one of the highest cashback rates of up to 20%, for those who can achieve the minimum spend requirements, this credit card is a good choice to get the most from your purchases.
Product Page Transparency
- Pays to access additional features
Card Features & Details
1) Key Features
- Up to 20% cash back on all eligible transactions
- Up to 3.33% cash back on all eligible retail spend quarterly
- Up to 10% cash back (up to 20% for new UOB credit cardmembers) in categories such as train/bus rides, Shopee online purchases, and more
- Up to 4.33% cashback on Singapore Power (SP) utilities bills
2) Benefits
Cashback
- 3.33% base cashback, no minimum spend required
- Up to 20% cashback on all eligible transactions when you spend a minimum of S$500 with minimum 5 transactions per month for 3 consecutive months
- Earn up to 3.33% cashback on all eligible transactions. Earn more quarterly cashback when you spend more per month (minimum 5 purchases for 3 consecutive months)
- Earn additional cashback of 5% (minimum spend of S$500/S$1,000 per month every quarter) or 6.67% (minimum spend of S$2,000 per month every quarter) on eligible transactions at selected merchants
- Earn up to 20% cashback on your train/bus rides when you pay with your UOB One Card via SimplyGo, on your online shopping at Shopee and your daily essentials when you shop at Dairy Farm International
- 4.33% total cashback on your Singapore Power (SP) utilities bills with 1% + 3.33% cashback
UOB Perks and Privileges
- The Dining Advisor gives you the best restaurants where you can use your UOB card for the best dining deals
- The Travel Insider gives you travel destinations, tips and tricks to make your next getaway the best ever, alongside travel promotions to take full advantage of
- Complimentary travel insurance coverage of up to S$500,000
- ShopUOB gives you deals at retailers such as SHEIN, Sephora and more
- UOB Rewards+ gives you everything from cashback, rewards points and exclusive deals
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans, PRs and Foreigners
- Minimum annual income:
- S$30,000 for Singaporeans/PRs
- S$40,000 for Foreigners
- Or a fixed deposit collateral of S$10,000
4) Fees & Charges
- Annual principal fee: S$196.20 (first year waived) (inclusive of GST)
- Supplementary card annual fee: 1st card free, S$97.20 for each subsequent card
- Late payment fees: S$100
- Repayment grace period: Depends on monthly credit card statement
- The minimum payment due will be 3% of the current balance or S$50, whichever is higher, plus any overdue amounts
- Cash advance charges: 8% with a minimum fee of S$15
- Overlimit fee: S$40
Frequently Asked Questions
Can you enjoy annual fee waiver for the UOB One Card?
- Yes, the annual fee for the UOB One Card of S$196.20 (inclusive of GST) is waived for the first year
Who should apply for the UOB One Card?
- For big spenders who can take full advantage of the high cashback rates offered
- For those who would use it for public transport, grocery shopping and even power bills
What is the minimum income requirement for the UOB One Card?
- Singapore/PR: Minimum Income of S$30,000
- Foreigners: Minimum Income of S$40,000
- Or a fixed deposit collateral of S$10,000
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Summary
UOB One Card
The UOB One Card is one for the big spenders, with one of the highest cashback rates of up to 20%, for those who can achieve the minimum spend requirements, this credit card is a good choice to get the most from your purchases.
Product Page Transparency
- Pays to access additional features
Card Features & Details
1) Key Features
- Up to 20% cash back on all eligible transactions
- Up to 3.33% cash back on all eligible retail spend quarterly
- Up to 10% cash back (up to 20% for new UOB credit cardmembers) in categories such as train/bus rides, Shopee online purchases, and more
- Up to 4.33% cashback on Singapore Power (SP) utilities bills
2) Benefits
Cashback
- 3.33% base cashback, no minimum spend required
- Up to 20% cashback on all eligible transactions when you spend a minimum of S$500 with minimum 5 transactions per month for 3 consecutive months
- Earn up to 3.33% cashback on all eligible transactions. Earn more quarterly cashback when you spend more per month (minimum 5 purchases for 3 consecutive months)
- Earn additional cashback of 5% (minimum spend of S$500/S$1,000 per month every quarter) or 6.67% (minimum spend of S$2,000 per month every quarter) on eligible transactions at selected merchants
- Earn up to 20% cashback on your train/bus rides when you pay with your UOB One Card via SimplyGo, on your online shopping at Shopee and your daily essentials when you shop at Dairy Farm International
- 4.33% total cashback on your Singapore Power (SP) utilities bills with 1% + 3.33% cashback
UOB Perks and Privileges
- The Dining Advisor gives you the best restaurants where you can use your UOB card for the best dining deals
- The Travel Insider gives you travel destinations, tips and tricks to make your next getaway the best ever, alongside travel promotions to take full advantage of
- Complimentary travel insurance coverage of up to S$500,000
- ShopUOB gives you deals at retailers such as SHEIN, Sephora and more
- UOB Rewards+ gives you everything from cashback, rewards points and exclusive deals
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans, PRs and Foreigners
- Minimum annual income:
- S$30,000 for Singaporeans/PRs
- S$40,000 for Foreigners
- Or a fixed deposit collateral of S$10,000
4) Fees & Charges
- Annual principal fee: S$196.20 (first year waived) (inclusive of GST)
- Supplementary card annual fee: 1st card free, S$97.20 for each subsequent card
- Late payment fees: S$100
- Repayment grace period: Depends on monthly credit card statement
- The minimum payment due will be 3% of the current balance or S$50, whichever is higher, plus any overdue amounts
- Cash advance charges: 8% with a minimum fee of S$15
- Overlimit fee: S$40
Frequently Asked Questions
Can you enjoy annual fee waiver for the UOB One Card?
- Yes, the annual fee for the UOB One Card of S$196.20 (inclusive of GST) is waived for the first year
Who should apply for the UOB One Card?
- For big spenders who can take full advantage of the high cashback rates offered
- For those who would use it for public transport, grocery shopping and even power bills
What is the minimum income requirement for the UOB One Card?
- Singapore/PR: Minimum Income of S$30,000
- Foreigners: Minimum Income of S$40,000
- Or a fixed deposit collateral of S$10,000
Reviews (162)
4.1
162 Reviews
5
73
4
56
3
21
2
4
1
8
Service Rating
Speed of Approval
4.5
Ease of Fee Waiver
4.4
Customer Support
4.2
High to Low
Posted 28 Aug 2024
Purchased
UOB One Card
I have had my own story of crypto scams due to referrals from some site, I lost a lot of money and i was still told to send more money to unlock my account because my balance was non-spendable or something else. Sadly i couldn’t count on the police so i reached out to a and luckily for me, I bsbforensic. c o m was able to get my money back. They showed me how every bitcoin transaction is traceable. Your crypto first goes to the scam wallet, from there the bitcoins will travel through some proxy wallets to cover the tracks. But, every single transaction is recorded in block chain. So your bitcoins can be traced to endpoint, which is some bitcoin exchange market. Where they are exchanged for real money. And then the exchanges in questions will have records of who received the money and how they received it. Contact them if you’ve similar issues, You’ll be grateful that you did0
What are your thoughts?Posted 06 Aug 2024
Purchased
UOB One Card
Good credit card to provide higher interest rates for your UOB ONE savings account (overall 3-4% depending on tier). But need to be more attentive as cashback is calculated quarterly and might miss out on both cashback and UOB interest if you are just trying to hit tier 1 cashback ($500/month). Great customer support, especially love using their UOB chat assist.0
What are your thoughts?Posted 25 Mar 2024
Purchased
UOB One Card
Applied for this card years back along with one account online after comparing various options and approval was quick. With the recent interest rate revision, still pretty much the best card to use with cash back earned. And pretty easy to hit the criteria for cashback. Customer service is easily reachable and great for query or any issues.1
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Posted 13 Jun 2023
Purchased
UOB One Card
Pair up this card with the UOB ONE Savings account to maximize the cashback and interest rate into the savings account. The card requires a minimum spending amount of $500, $1000 or $2000 within a specified period. The card is worth it if you could hit the minimum spend of $500 and crediting your salary (at least $1600) to the UOB ONE savings Account. This would give you a very high interest rate in your bank account, which is quite a relatively easy task to do. Use this card on your daily expenditure, transport and online shopping to help you achieve the goal of $500 minimum spend easily.1
What are your thoughts?Hey, I am curious, what's your experience with UOB customer service so far? I've seen reviews that they can be pretty bad. Also, just wondering whether if insurance could be part of the minimum eligible spendings?
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Posted 10 Mar 2023
Purchased
UOB One Card
The longest CC I have. It is a great card to use, just use a min of 2k per month in order to get the highest rebate. Coupled with UOB One account, this is a good card to have.0
What are your thoughts?Posted 26 Jan 2023
Purchased
UOB One Card
My to go card... mainly i used this card to get rebate for shopee purchases. Fee waiver is no a problem.0
What are your thoughts?Posted 25 Jul 2022
Purchased
UOB One Card
I personally use the one card and one account together. I felt that UOB apps is the easiest to use among all. You can also set notification transaction limit for 0.01 so that you're aware of any transaction that is deducted from your card. As for bill payment wise I can easily pay on my apps from my one account. Comparing one account and other accounts that has the similar benefits, one account I just have to spend minimum $500, 3 giro which was easy since there's no minimum spending for the giro, as long as is monthly or salary crediting. There's additional cash rebates earn if you use it on Simply go, Grab, Shopee, SP Bills, which I dont find it difficult to do so since I'm a user of those. [Card Hacks] [Promotions and Perks] [Bill Payment] [Others]1
What are your thoughts?POSB everyday card is 5% cash rebate for the SP Bills, if used as recurring payment. In this respect, is this better than using UOB credit card as recurring payment
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Posted 11 May 2022
Purchased
UOB One Card
good for cashback, not too happy with the recent revisions in terms and conditions, but i guess this is inevitable.0
What are your thoughts?Posted 08 May 2022
Purchased
UOB One Card
UOB One offers one of the best cash rebates programme. Simply spend $500 to every quarter to be eligible for $50 cashback!0
What are your thoughts?Posted 24 Apr 2022
Purchased
UOB One Card
Used this card for cash back needs. Its good when pairing with other apps to further stack your rewards. Easy to obtain fee waiver as well.0
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Key Features and Benefits of UOB One Card
These are some features of the UOB One Card and the Cashback benefits it has to offer.
UOB One Card Benefit | What You'll Get |
|---|---|
Travel | Up to 10% rebate on Grab and UOB Travel transactions |
Utility | Up to 4.33% rebate on Singapore Power Utility |
Spending | Up to 20% rebate on all spending |
Interest | Up to 3.88% p.a interest on UOB One Account |
Fuel | up to 24% off at Shell and SPC |
UOB One Card Benefits
Additional rebate with UOB SMART$ 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: 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: S$196.20
- 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)
Still unsure? Find out everything you need to know 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.
Still have questions? You can ask the Seedly Community (anonymously, if you'd prefer) for their insights and discuss which credit card you should get.
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 can 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
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, 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.
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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Agreed