UOB Absolute Cashback Card
Enjoy an unlimited 1.7% cashback on all eligible spend with no minimum spend or cashback cap. First-year annual fee waiver. High approval rate for Singaporeans/PRs.
The UOB Absolute Cashback Card stands out for its attractive unlimited 1.7% cashback on all eligible purchases. No minimum spending is required, which makes it a solid choice for those looking for simplicity and long-term value. The first-year annual fee is waived, and cardholders benefit from a generous credit limit, subject to credit approval. Income eligibility for Singaporeans and PRs starts from $30,000, while foreigners need $40,000 annually. Cashback is credited directly to your statement, so there’s no fuss with manual redemption.
How to Apply: Quick Steps
Applying for the card is hassle-free. Begin by checking you meet the income and residency criteria. Gather the necessary documents such as your NRIC, proof of income, and recent payslips if required. Then, head to the online application portal, fill in your personal details, and submit your documents. After submission, you can expect to receive approval within a few working days for most applicants.
Key Benefits
The biggest advantage is the unlimited 1.7% cashback rate, which applies to nearly every type of eligible spend without any monthly cap. Frequent spenders on bills, groceries, or travel will find it especially rewarding. The lack of minimum spend also means anyone can benefit, regardless of monthly expenditure patterns. With automatic cashback crediting, managing your rewards couldn’t be easier.
The convenience makes it an all-rounder card for everyday use and big-ticket purchases alike. Its straightforward rewards structure reduces the need for complex expense tracking.
Potential Drawbacks
Like most cashback cards, certain exclusions apply—insurance premiums, utilities, and some government payments do not qualify. International spends also incur foreign currency conversion fees, which could diminish your effective cashback overseas.
Additionally, after the first year, an annual fee applies unless you meet the bank’s criteria for waiver. This may affect long-term value for low spenders.
Our Verdict
The UOB Absolute Cashback Card is a trustworthy choice for anyone seeking effortless rewards on their purchases. Its unlimited cashback rate, absence of cap, and fuss-free redemption offer great value for a wide range of Singaporean consumers. If you want reliable and hassle-free cashback, this card is a strong contender.
