UOB
Enjoy up to 10% cashback on daily expenses, fuel savings up to 22.66%, and bonus interest on savings. Exclusive privileges for cardholders.
The UOB One Credit Card is one of the top cashback credit cards available in Singapore. Cardholders can enjoy up to 10% cashback on daily expenses, from groceries to dining and transportation. The card also offers significant fuel savings – up to 22.66% at Shell and SPC, making it attractive for those who drive regularly. Applicants must be at least 21 years old, with a minimum annual income of $30,000 for Singaporeans or $40,000 for foreigners. The principal card fee is S$196.20 per year, with the first-year fee waived. The credit limit is based on your income eligibility and bank assessment. Bonus interest rates up to 3.4% p.a. are available when combined with the UOB One Account.
How to Apply for UOB One Credit Card
- Prepare your identity and income documents.
- Apply online via UOB’s website or using Myinfo for instant approval.
- Wait for approval notification from the bank.
- Activate the card using internet banking or the UOB TMRW app.
Pros of the UOB One Credit Card
The main highlights include a high cashback rate, perfect for daily essentials, and excellent fuel discounts. You also earn additional bonus interest when you spend and save with the UOB One Account. The easy application with Myinfo is a great convenience factor.
The card is accepted widely in Singapore and links seamlessly with digital wallets, making it practical for commuters and those who prefer mobile payments.
Cons of the UOB One Credit Card
The full cashback benefit may require higher spending, with minimum qualifying spend per month and at least 10 transactions. Annual fee applies after the first year, and certain spend categories do not earn cashback.
Additionally, there are caps on monthly cashback and selected merchant exclusions, so you must review the terms to maximise your rewards.
Verdict: Should You Choose This Card?
The UOB One Credit Card stands out for its generous cashback rates and valuable perks tailored to Singaporean lifestyles. If you regularly spend on groceries, petrol, travel, and transport, this card will suit you well. However, review the eligibility and cashback terms and ensure your monthly spend meets the threshold to fully benefit from the offer. Overall, it’s a solid choice for maximising returns on everyday spending.
