UOB EVOL Credit Card
UOB EVOL Credit Card
- 10% Cashback
- on Online, Mobile Contactless, Overseas in-store FX spend
- Up to S$80
- Cash Back Cap per month
- S$800
- Min. Spend per month
[FASTER FULFILMENT]
MoneySmart Exclusive: Get a S$100 Grab Ride Vouchers or S$50 Cash IN AS FAST AS 1-2 MONTHS for new-to-card applicants when you apply! No min. spend is required! T&Cs apply.
Join Rollin’ Rewards for FREE and win up to 18,760 SmartPoints—enough for an iPhone 16 Pro Max (S$1,899)!
UOB Online Promotion: Get S$350 cash credit when you’re among the first 200 new-to-UOB Credit Cardmembers who successfully apply and spend S$1,000/month for 2 consecutive months from card approval date. T&Cs apply.
Are you eligible?
MoneySmart Exclusive Promotion is valid from 01-March-2025 to 14-March-2025
UOB Online Promotion is valid from 01-March-2025 to 31-March-2025
Applicable for New-to-UOB credit card customers only
Customers need to apply through MoneySmart to be eligible
Log into your MoneySmart account and submit a claim by 28th March 2025 in order to qualify for our MoneySmart Exclusive offers.
What you need to know
MoneySmart Gift: No min. spend is required. Customers need to be a New-To-UOB Customers.
[FASTER FULFILMENT] Enjoy faster gift fulfilment in AS FAST AS 1-2 MONTHS after the campaign ends when you meet the criteria!
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max(worth S$1,899) from our Rewards Store.
[Rollin’ Rewards] We’re giving away 93,800 SmartPoints this month! Enrol in Rollin' Rewards by completing a simple 3-min questionnaire today.
[Rollin’ Rewards] This earns you 1 chance to win in our draw.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this UOB EVOL Card Promotion, submit the claim form, and have it approved.
[Rollin’ Rewards] 5 lucky winners walk away with 18,760 SmartPoints each (enough to redeem an Apple iPhone 16 Pro Max 256 GB)
[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—your chance(s) of winning will automatically roll over into next month’s draw. T&Cs apply.
UOB Online Promotion: The first 200 new-to-UOB credit card customers in March 2025 who successfully apply for an eligible UOB Credit Card between 1 March 2025 and 31 March 2025 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit.
MoneySmart Exclusive Gift will be fulfilled as fast as 1-2 months after the end of the campaign period (14 March 2025)
All Details
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UOB EVOL Card Benefits 2025
Whether you’re totally clueless about the UOB EVOL Card or still contemplating to get it, let’s consider the requirements, pros and cons and other related factors before you decide on this card or other suitable credit cards.
Pros & Cons Of UOB EVOL Credit Card
Pros
- 10% cashback on online and mobile contactless spend
- 0.3% base cashback on all spending
- No annual fees (with minimum 3 transactions per month consecutively for a year)
- Up to 100% of electricity carbon footprint can be offset and flexibility to convert 1% of SP Utilities bill amount into complimentary My Green Credits
- Annual fee waiver available for first year only
- Access to shopping, dining and travel deals, weekly UOB Coupons, and more within UOB Rewards+ on UOB TMRW
Cons
- Interest rate of 27.80%, which is higher than other cashback credit cards in the market
- A minimum spending of S$800 is required to earn up to 10% cashback
- S$80 cashback cap per month
Find Out More About The UOB EVOL Credit Card In Our Blog Review!
Compare UOB EVOL Card vs. HSBC Visa Platinum Card vs. Citi Cash Back + Card
As we compare these 3 credit cards and have a closer look at their requirements and benefits, you’ll notice that the key factors, i.e. interest rates, annual fees, minimum annual income requirements and cash back benefits, may be similar or different
Among the 3 credit cards, the UOB EVOL Card gives you the highest percentage of cash back on your spending on any category - a generous 10% that is higher than the 5% and 1.6% you can get from HSBC Visa Platinum card and Citi Cash Back + card respectively.
However, both the UOB EVOL Card and HSBC Visa Platinum card require a minimum spending requirement of S$600 to earn the stipulated cashback benefits for each card. This is unlike the Citi Cash Back+ Card which does not have any minimum spend requirement and cashback cap per month.
In terms of interest rates and annual fees, all three cards charge the same annual fee of S$196.20 with waivers available (subject to certain spending or transaction requirements) and the HSBC Visa Platinum card offers you the lowest option of 26.90% as compared to the other two cards.
| UOB EVOL Card | HSBC Visa Platinum Card | Citi Cash Back + Card |
|---|---|---|
| Interest rate: From 27.80% | Interest rate: From 26.90% | Interest rate: From 27.90% |
| Annual fee: $196.20 (first year waiver available) | Annual fee: $196.20 (waiver available) | Annual fee: $196.20 (first year waiver available) |
Minimum annual income:
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Cashback benefits:
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Find Out About The Best Cashback Credit Cards In Our Blog Article!
UOB EVOL Card Application
Here are 3 simple steps to apply for the UOB EVOL Card
Apply via MoneySmart’s credit cards page
You may begin your application by clicking on our UOB EVOL Card's application link.
When you choose to apply online via SingPass MyInfo, UOB will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Provide all documentation required
You’ll need to provide all the necessary documentation in order for UOB to approve your credit card application. This list of documents include:
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months’ CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Receive your UOB EVOL Card
You’ll be able to activate your UOB EVOL Card through UOB TMRW mobile app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions.
Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your UOB TMRW mobile app!
Frequently Asked Questions About UOB EVOL Credit Card
Are there any fees if I apply for the UOB EVOL Card?
- The UOB EVOL Card charges an annual fee of $196.20 (first year waiver available) and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
Am I eligible for the UOB EVOL Card?
- If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB EVOL Card, as long as you’re aged between 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $40,000 (for foreigners).