UOB EVOL Card
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Summary
UOB EVOL Card
- An ideal starter credit card for the outgoing working adult, with little to no financial commitment, as UOB EVOL offers rewards in social activities that they frequent. The relatively manageable minimum income requirement also makes UOB EVOL more accessible to those who've just started their jobs.
- Not as ideal for thriftier spenders, or those looking for rewards for spending in more essential categories.
SingSaver Lucky Draw: Stand a chance to win S$1,000 Cash
- SingSaver Daily Lucky Draw promotion is valid until 30 November 2024.
- Promotion is valid for new-to-UOB credit cardmembers only.
- Apply for participating UOB credit cards and make a min. spend of S$1,000 within the first 30 days of card approval to be eligible for 1x Lucky Draw Chance.
- 1x eligible applicant per day will receive S$1,000 Cash
- Daily Luck Draw reward will be received on top of existing rewards
- Promotion is stackable with welcome offer from UOB (additional T&Cs apply).
- Terms and Conditions apply.
SingSaver Exclusive Promotion: Get S$50 Cash
- SingSaver Exclusive promotion is valid until 30 November 2024.
- Promotion is valid for the first 1,000 new-to-UOB credit cardmembers only.
- Apply for participating UOB credit cards during the promotion period to be eligible for reward.
- Promotion is stackable with welcome offer from UOB (additional T&Cs apply).
- Terms and Conditions apply.
Product Page Transparency
- Pays to access additional features
Card Features & Details
1) Key Features
- Mobile contactless spend: 8% cashback for all in-person transactions (via Apply Pay, Google Pay, Samsung Pay, or Fitbit pay)
- Online spend: 8% cashback (on dining, entertainment, shopping, fashion, Grab, hotels, and more)
- All other transactions: 0.3% cashback
- To enjoy all card benefits, a minimum spend of S$600 is required per calendar month to enjoy an accelerated cashback earn rate
- Cashback is capped at S$60 per statement month (S$20 online, S$20 on mobile contactless spending, and S$20 on other spending)
- Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants
- Receive up to 2.5% p.a. interest with your UOB One Account when you spend with the UOB EVOL Card
2) Eligibility
- Age: 21 years old and above
- Minimum income:
- Singaporean and PR: S$30,000 and above per annum
- Foreigner: S$45,000 and above per annum
3) Fees & Charges
- Annual fees: S$196.20 (first-year fee waiver). The annual fee for subsequent years is waived with min. 3 transactions every month.
- Late fee: S$90
- Annual interest rate: 25.90%
- Foreign currency transaction fee: 2.80%
- Minimum monthly repayment: 3% or S$50, whichever is higher
- Interest-free period: 21 days
Frequently Asked Questions
Can you enjoy an annual fee waiver for UOB EVOL Card?
- Yes, the annual fee for the UOB EVOL Card of S$196.20 (inclusive of GST) is waived for the first year
Who should apply for the UOB EVOL Card?
- For working adults with an active social life to make use of the benefits that are focused more on social activities
What is the minimum income requirement for the UOB EVOL Card?
- Singapore/PR: Minimum Income of S$30,000
- Non-Singaporean Minimum Income of S$40,000
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Summary
UOB EVOL Card
- An ideal starter credit card for the outgoing working adult, with little to no financial commitment, as UOB EVOL offers rewards in social activities that they frequent. The relatively manageable minimum income requirement also makes UOB EVOL more accessible to those who've just started their jobs.
- Not as ideal for thriftier spenders, or those looking for rewards for spending in more essential categories.
SingSaver Lucky Draw: Stand a chance to win S$1,000 Cash
- SingSaver Daily Lucky Draw promotion is valid until 30 November 2024.
- Promotion is valid for new-to-UOB credit cardmembers only.
- Apply for participating UOB credit cards and make a min. spend of S$1,000 within the first 30 days of card approval to be eligible for 1x Lucky Draw Chance.
- 1x eligible applicant per day will receive S$1,000 Cash
- Daily Luck Draw reward will be received on top of existing rewards
- Promotion is stackable with welcome offer from UOB (additional T&Cs apply).
- Terms and Conditions apply.
SingSaver Exclusive Promotion: Get S$50 Cash
- SingSaver Exclusive promotion is valid until 30 November 2024.
- Promotion is valid for the first 1,000 new-to-UOB credit cardmembers only.
- Apply for participating UOB credit cards during the promotion period to be eligible for reward.
- Promotion is stackable with welcome offer from UOB (additional T&Cs apply).
- Terms and Conditions apply.
Product Page Transparency
- Pays to access additional features
Card Features & Details
1) Key Features
- Mobile contactless spend: 8% cashback for all in-person transactions (via Apply Pay, Google Pay, Samsung Pay, or Fitbit pay)
- Online spend: 8% cashback (on dining, entertainment, shopping, fashion, Grab, hotels, and more)
- All other transactions: 0.3% cashback
- To enjoy all card benefits, a minimum spend of S$600 is required per calendar month to enjoy an accelerated cashback earn rate
- Cashback is capped at S$60 per statement month (S$20 online, S$20 on mobile contactless spending, and S$20 on other spending)
- Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants
- Receive up to 2.5% p.a. interest with your UOB One Account when you spend with the UOB EVOL Card
2) Eligibility
- Age: 21 years old and above
- Minimum income:
- Singaporean and PR: S$30,000 and above per annum
- Foreigner: S$45,000 and above per annum
3) Fees & Charges
- Annual fees: S$196.20 (first-year fee waiver). The annual fee for subsequent years is waived with min. 3 transactions every month.
- Late fee: S$90
- Annual interest rate: 25.90%
- Foreign currency transaction fee: 2.80%
- Minimum monthly repayment: 3% or S$50, whichever is higher
- Interest-free period: 21 days
Frequently Asked Questions
Can you enjoy an annual fee waiver for UOB EVOL Card?
- Yes, the annual fee for the UOB EVOL Card of S$196.20 (inclusive of GST) is waived for the first year
Who should apply for the UOB EVOL Card?
- For working adults with an active social life to make use of the benefits that are focused more on social activities
What is the minimum income requirement for the UOB EVOL Card?
- Singapore/PR: Minimum Income of S$30,000
- Non-Singaporean Minimum Income of S$40,000
📣 SIGN-UP BONUS
Get S$50 cash! Plus, stand a chance to win S$1,000 cash during the Lucky Draw!
Valid till 30 Nov 2024. T&Cs apply.
3.7
13 Reviews
High to Low
Posted 20 Mar 2022
Purchased
UOB EVOL Card
Superb cashback card, but need to calculate spending for each category ($250 per each big category) and avoid charging large amount to this card. Can easily get $40-$50 cashback with slightly over $600 spending monthly0
What are your thoughts?Posted 22 Feb 2022
Purchased
UOB EVOL Card
3 posted transactions per statement month for fee waiver is easy to hit. Rebate is effectively capped at 6.67% ($40 for $600 spend in mobile contactless / online, requires $250 per category to max rebates). A very good card for the meticulous people that ensures spending is as close to $600 (but more than $600), and that spending is not done at one of the many UOB$ merchants e.g. cold storage.0
What are your thoughts?Posted 30 Sep 2021
Purchased
UOB EVOL Card
Great for students to use. I recall using it doing schooling days. UOB app is also easy to use so check it out!0
What are your thoughts?Posted 23 Aug 2021
Purchased
UOB EVOL Card
Great card with unique design. Its made of recycled plastic too, so a definite hit with those who are eco-friendly/conscious.0
What are your thoughts?Posted 19 Sep 2019
Easy to use for the rebate on weekend. Definitely a must for dining and entertainment. Young people favourite. Will definitely recommend to friends.0
What are your thoughts?Posted 07 Sep 2022
Purchased
UOB EVOL Card
effectively a 6.67% cashback card. You will have to do your own DD to track your spending (split between mobile and online spend, together with some misc expenses) to optimize your cashback. otherwise, still a great card to have for fresh grads or even working adults with around $600 monthly expenses.0
What are your thoughts?28 May 2018
Good card to fill the areas for dining, grab and entertainment as it offers more than ocbc 365 (which i was previously using). But note that 12% cash back is only for these categories, and any other categories would be best purchased with another card. If you eat out often and use grab frequently (even topping up of grab wallet), this would be a card for you. They have a recent 12% rebate promotion for 3 months, but check the terms and conditions for the min spend of $600. Best to call up UOB once you receive the card and reset your statement month to the calendar month, this way it will make it easier to hit the bonus qualifying period for the 12%.0
What are your thoughts?Posted 19 Sep 2019
Pretty attractive dining and entertainment offers, but only if you visit these places. Overall, decent but not the best cashback program.0
What are your thoughts?Posted 19 Sep 2019
Interesting card face that rewards for “youngsters” kind of spending. To take note of the minimum spend else the Cashback percentage is relatively Low0
What are your thoughts?27 May 2018
Only use when i dine with friends or watch the movies together, will try to use more next time , now paying minimum payment of $100 for $3000 spent till next paycheck.0
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UOB EVOL Card Benefits and Key Features
As its name suggests, the UOB EVOL is great for the young and carefree. With UOB EVOL , enjoy up to 8% cashback on Dining, Grab, Entertainment and UOB Travel Spend on weekends. For weekdays, the same category of transactions will receive cashback at 3% instead. Also, for avid online shoppers, enjoy 3% cashback on Online Fashion and Online Travel Spend. To enjoy these extra cashback on top of the base rate of 0.3%, there is a minimum required spend of S$600 per statement month. It is also important to note that cashback, on top of the base rate, is capped at S$60 per month.
For new UOB EVOL applicants, get to receive up to 10% Cashback on Online Spend (excluding Online Fashion and Travel Spend).
For UOB One Savings Account holders, stand to earn up to 3.68% p.a. when you spend with your UOB EVOL Card.
These are some features of the UOB EVOL Card and the Cashback benefits it has to offer.
UOB EVOL Card Benefits | Min. Spend | Savings in Discount | Savings in Dollar |
|---|---|---|---|
Weekend Grab Spend | $100 | 8% | $8 |
Weekend Dining & Entertainment | $380 | 8% | $30.40 |
Weekday Grab Spend | $120 | 3% | $3.60 |
Weekday Dining & Entertainment | $300 | 3% | $9 |
Online Fashion & Travel Spend | $300 | 3% | $9 |
UOB EVOL Card - Benefits
Is UOB EVOL Card good?
Pros
- Generous cashback of up to 8% for categories of Dining, Grab and Entertainment; great for individuals who enjoy these activities
- There is also a 3-5% cashback on Online Spend which is ideal for those who prefer online shopping
- An ideal starter credit card for the out-going working adult, with little to no financial commitments. UOB EVOL offers rewards in activities that they frequent like dining out, entertainment, and online shopping. The relatively manageable minimum income requirement also makes UOB EVOL more accessible to those who've just started their jobs.
Cons
- As shown in the table above, there are distinctions between weekday and weekend cashback rates; hence, might be additional work to keep track of.
- Not for the thriftier spenders as there is a minimum spend requirement of S$600 to qualify for the attractive cashback rates
- Not for those looking to get rewards on essentials like Groceries, or Public Transport
- Low S$60 cashback cap per statement month. Assuming that the UOB EVOL cardholder leads a less penny-pinching lifestyle, one might easily hit this cap and the money-back might not be much in the grand scheme of his/her monthly spendings.
Eligibility for UOB EVOL Card
To be eligible for the UOB EVOL Card, you'll have to meet the following criteria:
- Be at least 21 years old
- Minimum Annual Income of S$30,000 and above per annum for Singaporeans and PR
OR Fixed Deposit collateral of at least S$10,000 - Minimum Annual Income of S$40,000 and above per annum for foreigner
OR Fixed Deposit collateral of at least S$10,000
Fees and Charges for UOB EVOL Card
- Annual Principle Fee: S$196.20 (Fee waived for first year)
- Annual Supplementary Card fee: First card is Free, Second onwards is $96.30
- Fee waiver: First year 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%
- Overlimit fee: $40
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 EVOL Credit Card
- Minimum spend amount of $600 a month
- Cashback capped at $60 a month
- Up to S$180 comprises of i) S$100 Cash Credit when you apply for a new Credit Card ii) S$80 Cash Credit when you open a UOB One Account. i) S$100 cash credit when you apply online for a new Credit Card from 1 Nov – 31 Dec 19
- UOB defines weekend as 0000 Hour on Saturday to 2359 Hour on Sunday
UOB EVOL Credit Card Cashback will not be award 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 the full list of exclusions, refer to UOB EVOL Credit Card's full Terms & Conditions on its website
How to Apply for UOB EVOL Card
With the necessary documents of NRIC or Passports, you can
- Apply Online via the 'Visit Site' link above or
- Visit UOB Branches
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.
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