Best UOB Credit Cards In Singapore (2023)

SingSaver team

SingSaver team

Last updated 24 November, 2022

With credit cards that promise the most generous rebates, take you on escapades and turn you into a privy traveller, UOB has no lack of artillery to help you get more out of life.

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.

As one of the top local banks in Singapore, UOB offers a buffet spread of credit cards that comes with an even greater variety of privileges — to the point it may even come across confusing. 

Here's a welcome update for UOB-Shell customers. From 1 May 2021, UOB One customers can now enjoy 21.15% savings at Shell. This comprises a 17% instant discount and up to 5% cashback UOB One cardmembers can earn on their credit card. Those holding the UOB Reserve Card can enjoy the 17% instant discount when pumping at Shell while other UOB credit and debit cardmembers can enjoy a 14% instant discount.

Don't know which card is right for you? Not to worry, it is exactly why we have such ‘best for’ breakdowns made for you! Whether you’re looking for extra air miles, dining discounts, entertainment options or just straight up cash rebates, there’s something for everyone. 

Here is a summary list of the best UOB credit cards in Singapore in 2022.

Best for cash rebate: UOB One Card
Best for limitless cashback: UOB Absolute Card
Best for online and mobile contactless spend: UOB EVOL Card
Best for travel: KrisFlyer UOB Credit Card 
Best for miles: UOB PRVI Miles Card 
Best for online spend: UOB Preferred Platinum Card 
Best for overseas spend: UOB Visa Signature Card
Best for female shoppers: UOB Lady’s Card 

Welcome Gift: Receive up to 44,800 miles when you apply and fulfill the respective min. spend requirements. T&Cs apply.


Best UOB Credit Cards in Singapore

Best for  Credit card Key benefits 
Cash Rebate UOB One Card Up to 10% cash rebate based on quarterly spend
Limitless cashback UOB Absolute Card 1.7% cashback with no min. spend, no spend exclusions
Online and mobile contactless spend UOB EVOL Card 8% cashback for online and mobile contactless spend
Travel KrisFlyer UOB Credit Card 3 miles per dollar on local dining, SIA flights 
Miles   UOB PRVI Miles Card 3 miles per dollar on Klook
1.4 miles per dollar (local), 2.4 miles (overseas) 
Online spend  UOB Preferred Platinum Card 4 miles per dollar on contactless + online payment
Overseas spend UOB Visa Signature Card 4 miles per dollar on overseas spend
Female shoppers UOB Lady’s Card 4 miles per dollar on fashion, dining, travel (women only)
Groceries UOB Delight Card Up to 8% cashback at major supermarkets

Looking for the best credit cards to complement your spending patterns and expenditure in 2023? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

Best for cash rebate: UOB One 


If your top priority in a credit card is to absorb as much cash rebate as possible, then the UOB One Card is the one for regular spenders. 

The star benefit here is its up-to-5% cash rebate on all retail spend. But recently, the UOB One introduced a bumper cash rebate rate of up to 10% on Grab services, Shopee, Dairy Farm Group merchants (e.g. Cold Storage, Giant, Guardian, 7-Eleven), and UOB Travel Planner transactions. As part of the mini-refresh, your utility bill payments will also get you an additional 1% to 6%. 

Perhaps it would be wise to start shifting the weightage of your spending from just retail. On top of the cash rebates, you’ll get to enjoy exclusive UOB privileges such as the 1-for-1 dining deals under The Dining Advisor program, and ShopUOB’s gamut of deals across fashion, beauty, groceries and more food.  

If you happen to have a UOB One savings account, getting hold of this credit card to pair with it would be timely as you could grow your savings at up to 2.5% p.a. 

But take note of a few terms and conditions and minimum spend tiers. To get the full S$300 rebate, you need to spend at least S$2,000 each month in the quarter for three straight months. And you’ve got to make at least five separate transactions (in other words, spending a bomb on a single item won’t count). If you only spend between S$1,000 and S$1,999, it drops to S$100, and S$50 if you spend S$500 to S$999.  

Best for limitless cashback: UOB Absolute Card

Want a cashback credit card that lets you earn limitless cashback on all your spend? The UOB Absolute Card is for you. This fuss-free cashback credit card is a game changer.

For starters, it offers 1.7% cashback on every transaction made at merchants who accept American Express credit card payments.

This includes anything and everything from insurance premium payments, school fees, mobile or e-wallet top-ups, rental payments, utilities & telco bills, medical and hospital bills. Simply put, there are no spend exclusions. Just so you know, the above-mentioned categories are often excluded from earning any form rewards.

That's not all. There isn't any minimum spend requirement for you to start earning cashback on your transactions! If you are in the market for something truly fuss-free, the UOB Absolute Card is one that's not to be passed up.

Best for online and mobile contactless spend: UOB EVOL


If you’re looking for a card that is tailor-made for the millennial lifestyle, then look no further than the UOB EVOL Card.

First, it’s no surprise you’ll be getting a high 8% cashback on your online spend and mobile contactless spend made via Apply Pay, Google Pay, Samsung Pay or Fitbit Pay.

Given the prevalence of online shopping and cashless payments, it's difficult to ignore the rewards that UOB EVOL Card can offer. From shopping at Taobao and purchasing games via Apple Store to taking Grab rides and paying for meals at cafés (and more), you'll earn 8% cashback on all eligible transactions.

Ensure you are able to spend the minimum of S$600 per statement month to earn the maximum cashback rate. All other spend will earn 0.3% cashback.

Keep in mind also that the total cashback is capped at S$60 monthly — S$20 on online spend, S$20 on mobile contactless spend, and S$20 on all other spend for each statement month.

Best for travel: KrisFlyer UOB Credit Card

KrisFlyer UOB

Planning to live the digital nomad lifestyle, or perhaps you’re simply bitten by the travel bug? The ‘spend more, travel more’ motto of the KrisFlyer UOB Credit Card might resonate. 

For every S$1 spent on dining, food delivery, online shopping, transport and Singapore Airlines, you earn 3 KrisFlyer miles. Best of all, there is no minimum spend, no miles cap and no conversion fee.  The miles earn rate is made even sweeter if you own a KrisFlyer UOB Deposit Account: you’ll get 6 additional bonus KrisFlyer miles per S$1 spent.

If you’re not a regular traveller, this might not be the right card for you. You need to spend above S$300 annually on SIA-related spend in order to qualify for the 3 miles per dollar earn rate. It’d be a bonus if you’re a sworn loyalist to carriers under Singapore Airlines, otherwise you’d just miss out on goodies like priority privileges on Scoot, as well as a fast-tracked KrisFlyer Elite Silver status.   


Best for miles: UOB PRVI Miles   

If you’re looking for a strong miles card that also allows the flexibility to choose from Visa, MasterCard or Amex, then the UOB PRVI Miles card is an option that’d fly. 

It works hard for you with a high 6 miles per dollar spent on major airlines and hotels booked through Expedia, UOB Travel and Agoda. There’s no minimum spend and no cap on how many miles you can accumulate.

While the 6 miles per dollar is high, it only extends to hotels and flights, so if you’re not travelling regularly you probably won’t get to see the benefits. The miles earn rate has also been a hit with many; you can get 2.4 miles for S$1 spent overseas and 1.4 miles for every S$1 spent locally. 

If you’re going with the Amex option, there are two additional exclusive benefits in the offing: 20,000 loyalty miles (only if you hit at least S$50,000 in spending a year), and complimentary airport transfers to Changi Airport. 

For such level of benefits, you’d be delighted to learn that the annual income requirement is only at an entry-level of S$30,000.


Best for online spend: UOB Preferred Platinum Card

Can’t decide between rewards or travelling? The UOB Preferred Platinum card covers all bases. 

You stand to earn 10X UNI$ for every S$5 spent on online shopping, contactless transactions and entertainment. Foodies will also benefit with discounts at over 1,000 dining establishments. You can earn SMART$ rebates at over 300 participating outlets and use them to offset future purchases.

This card isn’t going to reward you for online spending in a foreign currency, so if you travel regularly, you might want to explore the KrisFlyer UOB Credit Card or the card below.

Best for overseas spend: UOB Visa Signature Card

UOB Visa Signature

If you’re using your credit card on overseas spending, then the UOB Visa Signature Card is right for you. 

You will be able to earn 10 UNI$ per S$5 spent on overseas purchases (must be in foreign currency), as well as online, petrol and contactless transactions. You also get to travel with peace of mind thanks to personal accident coverage of S$500,000 and Emergency Medical Assistance, Evacuation & Repatriation coverage of up to S$50,000. 

If you’re not looking to travel anytime soon, you can opt to turn your UNI$ to cash rebates and instantly redeem your UNI$ for vouchers at over 1,000 outlets including dining, shopping and travel merchants. 

There are a couple of hurdles to cross for this card; the minimum annual income criteria is higher than most cards, at S$50,000. One other high (a low, really)  is the minimum monthly spend of S$1,000 per statement period — that is, if you’re bent on chasing the accelerated UNI$ earn rate.

Best for female shoppers: UOB Lady’s Card

UOB Lady's Card

It’d only be appropriate for ladies with a penchant for shopping to swipe the UOB Lady’s card

This is a rewards-based card that’ll have you earn 10X UNI$ (equivalent to 20 miles) per S$5 spent on one of seven categories: beauty and wellness, fashion, dining, family, travel, transport and entertainment. The choice is totally up to you; all that’s needed is for you to enrol here and choose a category, and you’ll start earning the accelerated rate of 10X UNI$ on all spends in this area. The category can be changed every quarter.

The bonus 10X UNI$ is subject to a maximum of 1,800 UNI$ (equivalent to S$1,000) per month.

If shoes and bags are your thing, then the Lady’s LuxePay Plan lets you enjoy an interest-free six or 12-month instalment payment plan for any luxury purchase worth S$500 or more. You can buy the items locally, online or overseas. If you find a good deal overseas, you’ll also be protected with their e-Commerce protection plan that provides coverage for online purchases. 

The card is only available to females.

Read these next:
Best Standard Chartered Credit Cards in Singapore
Best Citibank Credit Cards In Singapore 
UOB Lady’s Savings Account: Free Medical Coverage For All Women
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Favourite Credit Card Combinations To Max Out Cashback And Miles (As Used By SingSaver Staffers)


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