UOB One Credit Card Review – Up to 10% Cashback & Fuel Savings

The UOB One Credit Card is a flagship cashback card in Singapore, targeting a wide range of everyday expenses. Applicants enjoy up to 10% cashback with minimum spend requirements, specifically on groceries, transport, dining, and shopping. Competitive interest rates are offered, but eligibility requires Singaporeans and PRs to have a minimum annual income of S$30,000 (lower threshold for those above 55), while foreigners must have S$40,000 annual income or S$10,000 fixed deposit collateral. The principal card comes with a S$196.20 annual fee, waived for the first year.

How to Apply: Step by Step

• Check if you meet the eligibility criteria (age, income, residency)
• Prepare your documents (NRIC/FIN, income proof or MyInfo access)
• Apply online via Singpass (MyInfo) for instant approval, or through the UOB website
• Wait for approval, and activate your card upon receipt

Advantages of the UOB One Credit Card

One major draw is up to 10% cashback on essentials, including groceries, dining, and ride-hailing apps like Grab. Fuel savings up to 22.66% at Shell and SPC boost the card’s value for drivers.

The card also offers easy online application, fast digital card delivery, and integration with mobile payments—ideal for spenders seeking maximum convenience and flexibility in daily life.

Disadvantages & Considerations

Cashback is tiered, requiring a minimum S$600 monthly spend and at least ten transactions monthly. Maximising rewards needs careful planning of your expenses.

The annual fee applies after the first year, and additional cashback exclusions or merchant limitations could affect specific spenders. Always review the latest terms.

Verdict: Is the UOB One Card Right for You?

Overall, the UOB One Credit Card is a strong cashback option for Singaporeans looking to maximise rewards on daily spend and fuel. Its top-tier cashback and easy digital management make it a top pick, provided you can meet the spending requirements.