UOB One Card

UOB One Card

UOB One Card

UOB One Card

Apply Now
Back to all Credit Cards
UPSIZED CASHBACK | Up to 20% Cashback!
Consistent high spenders (min $2,000 a month) can get the maximum $200 cash rebate on everything. Cashback is not limited to any categories, but you need to spend at least $500 every month in the quarter to get the rebate.
Up to 24%
Max. Savings at Shell or SPC
10%/15%
Instant Discount at Shell / SPC
Up to 5%
Cash Back at all Other Petrol Stations
MoneySmart Exclusive

[CHRISTMAS GIVEAWAY + FLASH DEAL]
The first 100 customers can get S$50 Cash + Apple Watch SE 40mm (GPS) (worth S$399), the next 100 customers can get S$50 Cash + Apple AirPods 4 Noise Cancellation (worth S$299) and the remaining customers can get S$50 Cash when you apply and spend a min of S$1,000 in Eligible Transactions! T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints and redeem epic rewards!
 
UOB Online Promotion: Get up to 20% Cashback on daily favourites like Shopee, Grab, McDonald's, SimplyGo and DFI Retail Group! T&Cs apply.

Valid until 31 Dec 2024 - See more details below

Are you eligible?

    • MoneySmart Exclusive Flash Deal Promotion is valid from 16-December-2024 to 31-December-2024

    • 20% Cashback Promotion is valid till 31-December-2024

    • Both promotions are only applicable for New-to card holders only

    • Customers need to apply through MoneySmart to be eligible

    • Log into your MoneySmart account and submit a claim by 30th January 2025 in order to qualify for our MoneySmart Exclusive offers.

What you need to know

  1. Spend a min. of S$1,000 in Eligible Transactions within 30 days from card approval date.

  2. First 100 customers to submit the claim form and meet the spend criteria will get S$50 Cash + Apple Watch SE (GPS), 40mm (worth S$399)

  3. The 101th to 200th customers to submit the claim form and meet the spend criteria will get S$50 Cash + Apple AirPods 4 with Active Noise Cancellation (worth S$299)

  4. The 201th customer to submit the claim form and meet the spend criteria onwards will get S$50 Cash via PayNow

  5. [Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 50,000 SmartPoints

  6. [Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.

  7. [Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this UOB Credit Card, submit the claim form, and have it successfully approved.

  8. [Rollin’ Rewards] Redeem Epic Rewards with 50,000 SmartPoints such as:
    - iPhone 16 Pro Max (18,760 SmartPoints)
    - AND Apple Watch Ultra 2 (12,345 SmartPoints)
    - AND Apple AirPods Pro (4,030 SmartPoints)
    - AND Apple iPad Air Wi-Fi 11” (10,030 SmartPoints)

  9. [Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.

  10. UOB Online Promotion: Enjoy up to 20% cashback on daily favorites like Grab, McDonald's, Shopee, SimplyGo and DFI Retail Group. T&Cs apply. 

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Consolidating your daily spend and everyday merchants to maximise cashback

Good for

People who don't mind tracking their expenses to get the max cash back

Categories to maximise this card

All categories. Additional cashback on popular merchants like McDonald's, Grab, Cold Storage, Giant, Guardian, 7-Eleven, SimplyGo, Shopee and more

What people use it for

Daily spend and fixed recurring expenses like subscriptions and bills.

Get if

You have consistent spending (e.g. S$500 or S$1,000 or S$2,000) and you don't mind tracking your monthly expenses to give you the maximum cash back.

All Details

Back to all Credit Cards

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Apply Now

UOB One Credit Card Benefits 2024

The UOB One card offers the highest cashback in its range of cashback credit cards, and is known to be ideal for consistent high spenders who spend at least $2,000 a month.

Some notable highlights include up to 10% or 20% cashback on expenditures made on a wide variety of categories including dining at fast food chains like McDonald’s, shopping at retailers like Shopee, supermarket chains like Cold Storage, Giant, convenience stores, Grab transport, GrabFood, SimplyGo, and more.

In this review, we’ll take a look at the requirements, pros and cons and other relevant details of the UOB One card while you are in the midst of considering this card or other similar cashback credit cards.

Pros & Cons Of UOB One Credit Card

Pros

  • Up to 10% or 20% cashback on online food delivery, groceries, fast food, online shopping, transport, utilities, petrol and travel
  • First year waiver of annual fee available
  • Get rewarded with UNI$ points and redeem your UNI$ on UOB TMRW to offset bills and purchases
  • Exclusive access to over 13,000 deals on dining, shopping, travel and more, weekly UOB Coupons, dining inspirations within UOB Rewards+
  • UOB Complimentary Travel Insurance covers the Cardmember’s spouse and dependent children (if applicable)

Cons

  • Interest rate of 27.80%, which is higher than other cashback credit cards in the market
  • Cashback cap of $500 per quarter
  • Minimum spend of $500 per month to qualify for the 10% cashback

Compare UOB One Card vs. CIMB World Mastercard vs. HSBC Visa Platinum Card

The UOB One card offers the highest cashback for and provides more versatility with its up to 10% or 20% cashback on a wider range of spending categories than CIMB World Mastercard and HSBC Visa Platinum card, but requires a minimum monthly spend. Although CIMB World Mastercard offers the lowest - 2% cashback on wine, dining, online food delivery, movies, digital entertainment, taxi, automobile, and luxury goods, it does not change any annual fees, and comes with complimentary travel insurance.

When it comes to the rewards benefits, the UOB One card is more suitable for big spenders who look forward to using reward points earned to offset bills and purchases, while the HSBC Visa Platinum card provides the flexibility of earning both cashback and air miles (through accumulation of 1 x HSBC Reward point for every dollar spent), which is ideal for cardholders who like to travel often and use air miles.

In a nutshell, the UOB One card may be suitable for you and your family if the minimum spend of $500 every month is manageable for you, and if you spend a substantial amount on fuel, online shopping, groceries and travel every month.

UOB One CardCIMB World MastercardHSBC Visa Platinum Card
Interest rate:
From 27.80%		Interest rate:
From 27.80%		Interest rate:
From 26.90%
Annual fee:
$196.20 (waiver available)		Annual fee:
None		Annual fee:
$196.20 (waiver available)
Minimum annual income:
$30,000 for Singaporeans and PRs $40,000 for foreigners		Minimum annual income:
$30,000 for Singaporeans and PRs (this card is not available to foreigners)		Minimum annual income:
$30,000-$40,000 for Singaporeans and PRs $40,000 for foreigners
Cashback benefits:
  • Up to 10% or 20% cashback on online food delivery, groceries, fast food, online shopping, transport, utilities, petrol and travel
  • Gain reward points known as UNI$, and redeem your UNI$ on UOB TMRW to offset bills and purchases
  • Enjoy more than 13,000 deals on dining, shopping, travel and more via UOB Rewards+
  • Complimentary travel insurance coverage that extends to the Cardmember’s spouse and dependent children (if applicable)
Cashback benefits:
  • Up to 2% cashback on wine, dining, online food delivery, movies, digital entertainment, taxi, automobile, and luxury goods
  • No annual fee charges
  • Choose from over 1,000 CIMB Deals & Discounts across dining, retail and lifestyle outlets
  • Access a wide range of Mastercard Travel Rewards
  • Get golf courses discounts via the Mastercard Southeast Asia Golf Program
  • Enjoy complimentary travel insurance
Cashback benefits:
  • 5% cash rebate on local dining and groceries (food deliveries and online groceries included)
  • Min. spending of S$600 monthly in a calendar quarter to earn the 5% cash rebate
  • Up to 21.15% fuel savings at Caltex and Shell
  • 1X Reward point per dollar spent
  • Exclusive access to HSBC ENTERTAINER with HSBC Singapore mobile app, enjoy over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel

Find Out More About The UOB One Card In Our Blog Review!

Read Card Review

UOB One Card Application

Here are 3 simple steps to apply for the UOB One Card

Step 1

Apply via MoneySmart’s credit cards page

You may begin your application by clicking on our UOB One card 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.

Step 2

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)

Step 3

Receive your UOB One Card

You’ll be able to activate your UOB One 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 One Credit Card

Are there any fees if I apply for the UOB One card?

The UOB One 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 One card?

If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB One 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).