UOB One Card Reviews and Comparison - Seedly
 

UOB One Card

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  • Reviews (47)
  • Questions (15)
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Credit Cards/UOB One Card
UOB One Card
4.3
47 reviews

UOB One Card

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

    UOB One Card

    Up to 10% cashback on Grab
    CASHBACK
    $300 per quarter
    CASHBACK CAP
    $2,000
    MINIMUM SPEND
Reviews (47)

4.3

47 Reviews

  • 5
    24
  • 4
    13
  • 3
    8
  • 2
    2
  • 1
    0

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credit card

uob account

spend month

cash rebate

500 spend

500 month

uob card

min spend

spend minimum

consecutive months

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  • Posted 3d ago

    Purchased

    UOB One Card

    It works together with UOB One Account. If you have a recurring payment, this may be a card to go. However, it doesn't have points or much perks that you would receive from the card.
    0 comments
    1
  • Posted 5d ago

    Purchased

    UOB One Card

    It is a card that is useful if you have high recurring payment that allow credit card payment(EG. General Insurance or car installment) However, this card was dropped down the pecking order as it is really not easy to maintain $2000 spending monthly consistently, and do note on the transaction date and posting date where I do have some “discussion” with UOB operator on the issues of my cashback amount. Great cashcard card, but certainly needs to do some homework every month in terms of spending.
    0 comments
    1
  • Posted 2w ago

    Purchased

    UOB One Card

    [Hidden Terms] UOB will add 1% for all overseas transactions that you paid in SGD. I just realized this when I saw that the amount charged in my statement was more than what I paid for. I have only came to realize this 1% charge when I called the Customer Service to clarify the discrepancy in my statement. All this while I've been charged this 1% and I didnt even know.
    0 comments
    0
  • Posted 2w ago

    Purchased

    UOB One Card

    Excellent card to use with the bonus 5% cash back for Grab transactions - including wallet top-ups! And the minimum spend of $500 is relatively easy to hit (compared to many cards out there with minimum amount of $800).
    0 comments
    0
  • Best combined with UOB one account if you have a savings of 75K. Credit salary, spend $500 monthly and a min deposit of 70k, you will earn cashback around 2k a year. As for the credit card UOB one, I have been using it more than other credit cards. SPC petrol Min spending $60 combined with SPC member card, after discount $48, 20% discount. Other benefits from my experience -$10 voucher when you pay with UOB at Hai Di Lao -One for one sashimi at sushi tei
    0 comments
    0
Questions (15)

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Credit Card

UOB One Card

Vinodh
Vinodh
Level 3. Wonderkid
Answered 1d ago
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.

UOB One Card

Revolut

YouTrip

There is no defined statement that states the exclusion for UOB One. Section 5: https://www.uob.com.sg/assets/pdfs/onecardfull_tnc.pdf Here is everything about me and what I do best.

Credit Card

UOB One Card

1. The total amount spent on your card is $1,100. Since there is a cash rebate of $150, this amount is used to offset part of your bill. Accordingly, you will only need to pay $1,100 - $150 = $950 for your October’s UOB One credit card bill. 2. Depends. Most cash back cards work the same way, i.e. you will only need to pay the net bill (total spent minus cash rebate) In any case, you may refer to the “total amount due” on your statement to ensure that you pay the correct amount for your bill.

UOB One Card

Credit Card

Citi PremierMiles Visa Card

Junus Eu
Junus Eu
Top Contributor

Top Contributor (Nov)

Level 9. God of Wisdom
Answered on 23 Jun 2019
Do you expect to be consistently spending more than the max cashback limit? If it's for travelling for work like you said (and I guess business expenses are reimbursed), then no harm looking for another card to accumulate more points!

Multi Currency Cards

InstaReM

UOB One Card

According to InstaReM, cashbacks, reward points & airmiles will continued to be earnt across your cards Source (right at the bottom): https://www.instarem.com/en-sg/amaze

UOB One Card

Cedric Jamie Soh
Cedric Jamie Soh, Director at Seniorcare.com.sg
Level 8. Wizard
Answered on 24 Sep 2019
Most credit cards do not include the transfer of money to another e-payment system in their credit card points, cashback, minimum spending. You may check directly by calling UOB.

Credit Card

Bank Account

UOB One Card

UOB One

DBS Multiplier

Nicholes Wong
Nicholes Wong
Level 8. Wizard
Updated on 06 Sep 2019
I would say both have its own strength and weakness. For DBS Multiplier, you can hit actually hit salary crediting, credit card spending and investment category. If you were to do a SSB ladder, you can get the investment category part of the crediting dividends as long as they don't change the criteria. All you need to do is to buy 6 months of SSBs consecutively and make sure your CDP is connected to DBS/POSB account. This way, after the 6 months of buying SSBs, you will receive SSBs interest every month for 10 years which will count as investment category under DBS multiplier. SSB minimum amount is $500 every time so it will take you at least $3,000 but of course, you can put more if you want to. The more transactions you have with DBS, the more interest you get. But for me their credit card doesn't really suit me, they have slightly higher minimum monthly balance, an additional step which is the SSB ladder and I don't have that much transactions in the first place. For UOB one, their credit card gives cashback for most stuff although you have to spend at least $500. (not very hard if have fixed expenses that UOB one give cashback.) Their EIR or effective interest rate is only 2.44% if you have 75k in the UOB one account. They also allow 3 giro transactions instead of salary credit so a bit different as well which means if you plan to keep a big amount of money with the banks you can do both DBS multiplier and UOB one at the same time with a single salary crediting. The headache part is if you don't hit $500 for a single time, you won't get the interest and you won't get the cashback for the quarter. Overall, just choose the accounts and credit cards that suit your need the most.

Credit Card

Lifestyle

Savings

Bank Account

UOB One Card

Aik Kai
Aik Kai
Level 7. Grand Master
Updated on 23 Aug 2019
The one who told you the supp card cannot hit the tier is wrong. According to UOB One Card T&C, here are key points: 1) “Card Transactions” means the transactions successfully charged to the Card Account by the Principal Cardmember and the Supplementary Cardmember, AND posted on the Bank’s systems, but excludes the Exclusions. 2) Tier 1 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter is at least S$500 but less than S$1,000; AND (ii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. 3) Tier 2 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter is at least S$1,000 but less than S$2,000; AND (ii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. 4) Tier 3 Minimum Spend means: (i) The Card Transaction amount in each Statement for the Quarter (ii) is at least S$2,000; AND (iii) Charged at least 5 Card Transactions in each Statement Month within the Quarter. In short, as long as you, the main cardholder, have 5 transactions per month, and your total spend across your card (main card) and your SO's card (supp card) hit at least $500, you are eligible for cash rebate. Link to T&C: https://www.uob.com.sg/assets/pdfs/onecardfulltnc.pdf Hope this helps!

UOB One Card

Credit Card

Pat
Pat
Level 5. Genius
Updated on 27 Jun 2019
Yep it does. If you are looking at the quarterly cash rebate, note that there's a total min spending of at least $500 monthly for 3 consecutive months.

UOB

UOB One Card

Jonathan Ng
Jonathan Ng, Economics at Singapore Management University
Level 6. Master
Answered on 18 Jun 2019
Hi Anon, Jonathan from Seedly here! Could I trouble you to contact [email protected] so we can better understand the problem you are facing and work to solve it? Thank you!
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Eligibility for UOB One Card

  • Singaporeans and PR; Minimum annual income of $30,000 or fixed deposit collateral of at least $10,000
  • Foreigners; Minimum annual income of $40,000 or fixed deposit collateral of at least $10,000

Fees and Charges for UOB One Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: Free (Subsequent card: $96.30)
  • Fee waiver: 1-year annual fee waiver
  • Interest-Free Period: 21 days
  • Annual Interest Rate: 25.90%
  • Minimum monthly payment: 3% or $50, whichever is higher
  • Late payment charge: $90
  • Cash advance fee: 6%

Key features of UOB One Card

  • Up to 10% rebate on all Grab transactions
  • An additional 5% rebate on Grab rides, food and top-ups (must hit quarterly cash rebate)
  • Up to 5% cash rebate based on a retail spend of $2000 with a minimum of 5 transactions per statement month.
  • Up to 3.33% cash rebate based on a retail spend of $1,000 or $500 with a minimum of 5 transactions per statement month

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

For more info, you can check out UOB One’s website here.