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UOB One Card
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- Reviews (53)
- Questions (33)
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About UOB (One Card)
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.
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Reviews (53)
4.3
53 Reviews
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uob account
credit card
500 month
500 spend
cash rebate
cashback card
uob card
spend month
spend card
month quarter
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- Updated 4d ago
Purchased
UOB One Card
[Card Hacks] I'm sure many here have shared before, Spend on this card min $500 or 1k or 2k (in min 5 transaction) each month per quarter to qualify for 3.33% ($500 spend) or 5% (1k/2k spend) cash back. The hack is to use this card to top up grab pay to earn additional 5% cash back, spend enough in grab pay wallet to get bump up to Platinum status to get invited to use physical Grabpay master card, so can use this physical card to spend anywhere. [Useful For...] So far due to the hack above, able to accumulate more cash back, by top up grab pay and spend thru that avenue, get extra 5% grab pay top up cash back on top of the UOB1 cash back of 3.33 / 5%. [Promotions and Perks] As above [Customer Service] so far so good, hotline also not hard to get thru and won't simply hang up customer's call. [Bill Payment] Smooth and easy , many existing channel. [Cashback Card] It is not hard to hit $500 if you use it for everything, bills, transport. Eg. Top up $200 to your grab wallet and use it to pay for restaurant with the rest make up $300 charge to card can quite alright to get up to $500 per month, do this for 3 month, each months get about SGD27 cash back. If one max it up to 2k, can imagine getting even more!0 comments0 - Updated 5d ago
Purchased
UOB One Card
[Promotions and Perks] Use it for petrol at SPC or Shell. Top up Grab account for transport and F&B. Spend $500 each month and pair it with UOB current account to step up your deposit interest rate. Super! [Cashback Card] Most generous cashback of $300 each quarter if you can consolidate your spend in this card. Little exclusions or limits on specific categories so it is a breeze for me0 comments0 - Posted 4w ago
Purchased
UOB One Card
Be careful about the cashback quarterly months and the UOB One Account interest calendar month. Both are different date. UOB One Card cashback is by statement date, however, UOB One Account interest is based on the calendar month.0 comments0 - Posted on 24 Dec 2019
Purchased
UOB One Card
One of the best card to use right now as i can get extra cash back from grab topup and payment. Offered the highest rebates if done correctly.0 comments0 - Posted on 20 Dec 2019
Purchased
UOB One Card
Uob one card has one of the highest cash back rebate if you can meet the $500 cash expenditure. The recent grab promo enables us to earn even more rebates because grab pay can be used to pay a lot of things Called the uob customer service hotline about my first statement cycle month and they were very knowledgeable and willing to provide me examples and guide0 comments0
Questions (33)
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Credit Card
UOB One Card
Grab
Pang Zhe Liang, Senior Financial Services Consultant at AIA Singapore Private Limited
Level 9. God of Wisdom
Answered 1d ago
According to the term, it isn't part of the exclusion: https://www.uob.com.sg/personal/cards/credit/one/ Here is everything about me and what I do best.
Credit Card
UOB One Card
UOB
Pang Zhe Liang, Senior Financial Services Consultant at AIA Singapore Private Limited
Level 9. God of Wisdom
Answered 2w ago
In most cases, I start spending one day after the cycle date, i.e. 19 March to 18 April will be one cycle. Furthermore, UOB One takes into account posting date instead of transaction date. Therefore, I will make my final spending on 11 April to avoid late posting, i.e. spillover to next month, and shortfall for current month. Here is everything about me and what I do best.
UOB One Card
Pang Zhe Liang, Senior Financial Services Consultant at AIA Singapore Private Limited
Level 9. God of Wisdom
Answered 3w ago
UOB One works on a billing quarter. The first month of the quarter is indicated by the expiry date on your card, e.g. 01/2026. Accordingly, your billing quarter will be January, February, and March. Here is everything about me and what I do best.
UOB One Card
Revolut
YouTrip
Does topping up Revolut or YouTrip using the UOB One card count towards eligible spend for cashback?
Joan
Level 3. Wonderkid
Answered 3w ago
Nope, it doesn't count to cashback. I tried transferring to my YouTrip card from my UOB one card and it doesn't work. The updated Nov 2019 T&Cs state that 'stored valued' cards are not eligible for cashback.
Credit Card
Bank Account
Payments
UOB One Card
UOB One
UOB
3 GIRO Transactions: 1. Monthly payments for the UOB ONE card itself (yes, GIRO payments from the ONE account for the ONE card counts as a valid GIRO transaction). You can apply for this via the UOB online banking website; the mobile app does not have this option. 2. Tax payments to IRAS . This assumes that you have some form of tax to pay (individual income tax, property tax, etc.) and that you pay it via GIRO on a monthly basis. 3. Insurance premiums . Most insurance premiums that require monthly payments have a GIRO option. 4. Utilities & telco bills . I do not recommend that you pay these bills via GIRO because you can usually pay them via credit card instead (and have them count towards the monthly $500 credit card spend). But, they are an option. $500 credit card spend, a minimum of 5 transactions: 1. Grab Pay top-ups . UOB will almost certainly exclude Grab Pay top-ups at some point in the near future, but as of now, Grab Pay top-ups are still included. 2. Monthly subscriptions - Netflix, Spotify, gym memberships, etc. 3. Utilities & telco bills . In particular, some providers allow you to "overpay" or pay for your bills in advance. This is useful for evening out your spend across different months. 4. Grocery or shopping vouchers , such as Takashimaya vouchers (no expiry dates), NTUC vouchers, etc.
Credit Card
UOB
UOB One Card
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered 3w ago
Miss one month of the quarter means the entire quarter won't enjoy the higher rebates. There's one exception from my check with UOB CSO: The first month when you get the card, as it won't start exactly with your accounting period since they count per quater basis, thus for the first month, you min amount spending will be pro-rated instead of having to meet at least $500 to qualify for the rebate. Once you're into your usualy quarters, it follows the same pricinple where it each month of the quarter has to meet the min spending, otherwise the whole quarter higher rebates will be gone. That's one of the concern that have stop me from switching to this card for quite long. Cheers
UOB One Card
UOB
Credit Card
Pang Zhe Liang, Senior Financial Services Consultant at AIA Singapore Private Limited
Level 9. God of Wisdom
Answered 3w ago
It is based on transaction count, regardless of MCC code (so long as it is an eligible transaction). For instance, I can buy an apple a day for 5 days at a local supermarket or 5 apples a day on 5 separate occasions at the same store. Here is everything about me and what I do best.
Credit Card
UOB One Card
UOB
Pang Zhe Liang, Senior Financial Services Consultant at AIA Singapore Private Limited
Level 9. God of Wisdom
Answered 3w ago
Your quarter billing cycle will be April, May, and June. For April, the statement cycle is 13th April to 12th May - this forms part of your quarter billing cycle. Here is everything about me and what I do best.
Credit Card
UOB One Card
UOB One
SG Budget Babe
Grab
GrabPay Card
Cashback
Finance Savvy
Lifestyle
UOB
Pang Zhe Liang, Senior Financial Services Consultant at AIA Singapore Private Limited
Level 9. God of Wisdom
Answered 3w ago
In order to receive the 5% cashback from UOB One credit card, you will need to spend $2,000 monthly for a consecutive billing quarter, alongside with meeting its other eligibiltiy conditions, e.g. eligible spending. With this in mind, it depends on whether your billing cycle starts in January. Next, there is no restriction on when you wish to spend your credits. All things considered, you may wish to consider topping up or to spend money that you can afford and need to, rather than to overspend for the mere sake of the rebate. Here is everything about me and what I do best.
UOB
UOB One Card
Grab
GrabPay Card
Credit Card
Pang Zhe Liang, Senior Financial Services Consultant at AIA Singapore Private Limited
Level 9. God of Wisdom
Answered 3w ago
It depends on your needs. If it is usual for you to spend $500 monthly on a credit card and it is usual for you to be able to do the same for Grab, then it may be worth it. Otherwise, it does not make sense to top up the wallet in order to spend more money to get the cash rebate. Furthermore, 10% cash rebate is based on a spending on $2,000 monthly for a consecutive billing quarter, and not $500. Here is everything about me and what I do best.
Load more questions
UOB One Card
Find out how a Cashback credit card works, and the difference between Cashbacks and cash rebates.
Eligibility for UOB One Card
To be eligible for the UOB One Card, you'll have to meet the following criteria:
- 21 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 for UOB One Card
- 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: 25.90%
- Minimum Monthly Payment: 3% of the statement balance (or S$50, whichever is greater)
- Late Payment Charge: $90
- Cash Advance Fee: 6% per transaction
Key Features and Benefits of UOB One Card
These are some features of the UOB One Card and the Cashback benefits it has to offer.
UOB One Card Benefit | What You'll Get |
|---|---|
Travel | Up to 10% rebate on Grab and UOB Travel transactions |
Utility | Up to 6% rebate on Singapore Power Utility |
Spending | Up to 5% rebate on all spending |
Interest | Up to 3.88% p.a interest on UOB One Account |
UOB One Card Benefits
Additional rebate with UOB SMART$ 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
UOB One Card Promotions
- Up to $180 when you apply for UOB One Card. $180 comprises of:
- $100 Cash Credit when you apply for a new credit card
- $80 Cash Credit when you open a UOB One account
- Promotion is valid till 31 December 2019
Terms and Conditions of UOB One Card
- Quarterly Cashback is awarded based on the minimum spend in the following manner:
- Tier 1 Minimum 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 Minimum 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 Minimum 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
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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