UOB One Card
UOB One Card
- Up to 20%
- Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
- Up to S$500
- Cashback Cap per quarter
- S$500
- Min. Spend per month
MoneySmart Exclusive: Get S$88 Cash via PayNow when you apply, spend a min. of S$1,000 within the first month! T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints, which you can use to redeem an Apple 10.9-inch iPad 10th Gen Wi-Fi (64GB) (worth S$499) from our Rewards Store today!
UOB Online Promotion: Enjoy up to 20% cashback on daily favourites like: Shopee, Grab, McDonald's, SimplyGo & DFI Retail Group, when you are a new-to-UOB credit card customer and meet the relevant minimum spend criteria! T&Cs apply.
Are you eligible?
MoneySmart Exclusive Promotion is valid from 04-January-2025 to 08-January-2025
UOB One Card 20% Cashback Promotion is valid till 31-January-2025
Both promotions are only 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 8th February 2025 in order to qualify for our MoneySmart Exclusive offers.
What you need to know
MoneySmart S$88 Gift: Spend a min. of S$1,000 in Eligible Transactions within the first month from card approval date.
[Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 6,140 SmartPoints
[Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.
[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.
[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.
UOB Online Promotion: The 20% Cashback is awarded on a tiered basis based on the Minimum Spend incurred for the Quarter
S$50 Quarterly Cashback: spend S$500-S$999 in each Statement Month for the Quarter with at least 5 Card Transactions
S$100 Quarterly Cashback: spend S$1,000-S$2,000 in each Statement Month for the Quarter with at least 5 Card Transaction
S$200 Quarterly Cashback: spend at least S$2000 in each Statement Month for the Quarter with at least 5 Card Transaction
MoneySmart Exclusive Gift will be fulfilled 6 months after the end of the campaign period month (31 Jan 2025)
All Details
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
UOB One Credit Card Benefits 2024
Some notable highlights include up to 10% or 20% cashback on expenditures made on a wide variety of categories including dining at fast food chains like McDonald’s, shopping at retailers like Shopee, supermarket chains like Cold Storage, Giant, convenience stores, Grab transport, GrabFood, SimplyGo, and more.
In this review, we’ll take a look at the requirements, pros and cons and other relevant details of the UOB One card while you are in the midst of considering this card or other similar cashback credit cards.
Pros & Cons Of UOB One Credit Card
Pros
- Up to 10% or 20% cashback on online food delivery, groceries, fast food, online shopping, transport, utilities, petrol and travel
- First year waiver of annual fee available
- Get rewarded with UNI$ 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
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 Card | CIMB World Mastercard | HSBC 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:
| Cashback benefits:
| Cashback benefits:
|
Find Out More About The UOB One Card In Our Blog Review!
UOB One Card Application
Here are 3 simple steps to apply for the UOB One Card
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.
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 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).