UOB One Card Reviews and Comparison - Seedly
 

UOB One Card

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Credit Cards/UOB One Card
UOB One Card
4.3
53 reviews

UOB One Card

Up to 10% on Grab
CASHBACK
$300 per quarter
CASHBACK CAP
$2,000
MINIMUM SPEND

    UOB One Card

    Up to 10% on Grab
    CASHBACK
    $300 per quarter
    CASHBACK CAP
    $2,000
    MINIMUM SPEND

Details

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

  • 5
    28
  • 4
    14
  • 3
    9
  • 2
    2
  • 1
    0

Read Review About...

uob account

credit card

cash rebate

500 spend

500 month

uob card

spend month

cashback card

spend card

quarter cashback

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  • Updated 23m 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 me
    0 comments
    0
  • 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 comments
    0
  • Posted 4w ago

    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 comments
    0
  • 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 guide
    0 comments
    0
  • Posted on 10 Dec 2019

    Purchased

    UOB One Card

    Great rewards and cashback, especially if used together with UOB account. However, the tiered system makes calculating and tracking the actual interest very difficult.
    0 comments
    0
Questions (32)

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Credit Card

UOB One Card

UOB

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

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

Joan
Joan
Level 3. Wonderkid
Answered 2w 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

B
Bayle
Level 3. Wonderkid
Updated 2w ago
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

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

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

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

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

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.

Credit Card

UOB One Card

Vinodh
Vinodh
Level 3. Wonderkid
Answered on 06 Dec 2019
Yes. You will get a separate 5% rebate for Grab on top of your quarterly cashback capped at $100 per statement month. For example, if you hit $500 for each month in a quarter and of that, $100 was spent on Grab transactions, you will receive $50 cashback and a $15 Grab rebate at the end of the quarter.
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UOB One Card

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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