Compare the Best UOB Cashback Credit Cards in Singapore 2024

Compare all UOB cashback credit cards to see which one gives you the highest cash back based on your spending habits. Read More
Filters

Refine Your Results

Promotions
Card Association
Reset Filter
Providers
We found 4 UOB Credit Cards for you!
Recommended
UOB One Card
MoneySmart Exclusive
UPSIZED CASHBACK | Up to 20% Cashback!

UOB One Card

Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
Up to 20%
Cashback Cap per quarter
Up to S$500
Min. Spend per month
S$500

[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
Apply Now
Apply Now
promotion banner image
promotion banner image
More Details
UOB Absolute Cashback Card
MoneySmart Exclusive
Unlimited 1.7% Cashback

UOB Absolute Cashback Card

Cash Back on Eligible Spend
1.7%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

MoneySmart Exclusive: Get S$100 Cash via PayNow on top of the UOB Online Promotion when you spend a min. of S$500 within 1 month from card approval date! For new-to-UOB Credit Cardmembers only. 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 a Samsonite EVOA Z Spinner 25'' Exp Luggage (worth S$730) when you apply, spend min. S$2,000 per month for 2 consecutive months. T&Cs apply. 

Valid until 31 Dec 2024 - See more details below
Apply Now
Apply Now
promotion banner image
promotion banner image
More Details
UOB EVOL Credit Card
MoneySmart Exclusive
Up to 10% Cashback

UOB EVOL Credit Card

on Online, Mobile Contactless, Overseas in-store FX spend
10% Cashback
Cash Back Cap per month
Up to S$80
Min. Spend per month
S$800

[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!

Valid until 31 Dec 2024 - See more details below
Apply Now
Apply Now
promotion banner image
promotion banner image
More Details
Lazada-UOB Card
Online Promo

Lazada-UOB Card

on Lazada Spend
20% Rebate
on Redmart Spend
6% Rebate
on Dine, Entertainment & Transport Spend
5% Rebate
Online Promo:
Get up to S$230 worth of gifts when you apply for a Lazada-UOB Card!

• Get S$200 cashback when you spend a min. of S$100 per month at Lazada for 3 consecutive months from their card approval date.
• Get S$30 worth of Lazada Vouchers when you successfully adds Lazada-UOB card as a payment card within the Lazada App.

T&Cs apply.
Valid until 31 Dec 2024 - See more details below
Apply Now
More 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.

What is an UOB Cashback Credit Card?

Cashback credit cards fall under the broader category of rewards credit cards, where consumers accumulate points for every dollar charged to the card. These points can then be redeemed for “rewards” such as gift vouchers, appliances, etc.

A cashback credit card, however, rewards you with a cash rebate instead. This amount varies quite a lot among credit cards but typically falls between 1% and 5%, though some credit cards have attractive bonus cash rebates to reward certain types of spending.

Cashback Credit Cards 101s

New to the world of cashback credit cards? Here are the key features you need to know before you sign up.

Basic Cashback

Also known as “base rate”, this is the standard cash rebate you can expect to receive on your purchases, regardless or when, where, how or with whom it’s made. Typically this falls around 0.25% and up.

Bonus Cashback

Many credit cards offer tie-ups with brands and retailers ranging from Grab to Sheng Siong, offering higher cashback rates (as high as 8%). Some also offer higher rates for specific types of spending, e.g. online purchases, telco bills. Note the fine print on these and be sure they are a good fit for your actual spending habits.

Introductory Promotions

Some cards offer introductory cashback promotions such as a higher rate for the first few months or a $100 bonus with your first purchase. Be aware of the limited nature of these promotions and of any terms & conditions.

Other Things to Take Note of

Minimum Spend

Certain attractive cashback rates only apply for hefty minimum spends, say of $2,000 and up. If your planned expenditure is nowhere near that minimum, it makes little sense to apply for the card

Cashback Cap

Credit card issuers often have a cap on how much cash rebate you can earn per quarter. You may be surprised to find that your 20% cashback only has a $10 cap.

More From TheMoneySmart Blog

Check out our blog for more personal finance tips and insights.

Visit Blog

Frequently Asked Questions

Who should get a cashback credit card?

Cashback credit cards are good entry-level cards for everyday use. They typically come with low income requirements (usually around $30,000 annually) which most young working adults can hit fairly easily, and in most cases annual fees are waived. They are also set up such that you can enjoy some form of cash rebate even if you don’t spend a huge amount of money, so you can still enjoy their benefits even if you live quite a frugal lifestyle.

How do I choose the best cashback credit card for me?

You can get the most out of your cashback credit card if you pick one that is perfectly aligned to your actual spending habits. For example, if you spend a lot on clubbing or online shopping, look for a card that offers hefty bonus cashback rates (these can be as high as 8%) on these categories or merchants. If you are not a particularly big spender in any one category, pick the card with the highest base rate, provided you can meet the minimum spend requirements.

Do I really get my rebate in cold hard cash?

While we would dearly love to receive a cheque or a nice wad of cash every month, this isn’t usually how credit card cash rebates are paid out these days. Instead, the cashback amount is credited to your account, effectively giving you a discount off your next credit card bill.