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Savings & Credit Cards
Card Reviews

UOB EVOL Credit Card Review (2023): Made To Save Your Money And Our Climate

SingSaver team

SingSaver team

Last updated 17 July, 2023

Once known as UOB YOLO, UOB EVOL has grown to become an ever-evolving card that rewards contemporary desires and eco-friendly habits.

The ever-changing nature of our times is deeply reflected in UOB’s newest millennial card, the aptly named UOB EVOL. As its name suggests, we are constantly evolving, especially in our shopping and dining habits. The increasing prevalence of e-commerce and contactless payments make UOB EVOL a great card, as it offers 8% cashback on an endless list of online and mobile contactless transactions. 

In fact, 8% is undoubtedly high by today’s cashback credit card standards. Further enhanced by its low maintenance and generous flexibility, UOB EVOL has got your back in many ways. 

🤩 Fun fact: The card’s 82% plant-based Polylactic Acid (PLA) card material is made of non-edible corns and each card produces 10g less carbon footprint.


Table of contents

What the UOB EVOL Card can do for you

uob-evol-1024x644

UOB EVOL Card Welcome Gift: Get S$500 worth of Grab vouchers as the first 100 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date, in the shortest time, with SMS enrolment. Valid till 31 October 2023. T&Cs apply.

UOB EVOL Card product summary:

  • Online cashback: 8% on online transactions
  • Mobile contactless cashback: 8% on mobile contactless transactions done via Apple Pay, Google Pay, Samsung Pay or Fitbit Pay
  • Base cashback: 0.3% on all other spend
  • Min. monthly spend: S$600 
  • Cashback cap: Capped at S$60 per month, S$20 per category
  • Annual income Requirement: S$30,000 (Singaporeans/PRs), S$80,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: S$194.40 (Waived with 3 monthly transactions for 12 consecutive months)
Pros ✅ Cons ❌
Relatively low qualifying monthly spend of $600 Monthly cashback cap of $60
S$20 per category
Highest cashback rate of 8% online transactions and mobile contactless transactions Low 0.3% cashback on all other spends
8% cashback applies to SimplyGo on public transport UNI$ is earned per S$5 blocks
Great variety of eco-friendly dining and fashion deals  
Up to S$500,000 complimentary personal accident coverage

Up to S$50,000 emergency medical assistance, evacuation & repatriation coverage (arising from accident, illness, or COVID-19)		  
Earn up to 7.8% p.a. interest on your savings by pairing the UOB EVOL card with the UOB One Account  
Up to US$200 e-Commerce coverage per year (valid till 30 Sep 2023)  
Earn UNI$ on everyday expenses like monthly bills, rent, taxes, and one-off big-ticket purchases with UOB Payment Facility

Awarded in UNI$2.5 per S$5 blocks		  

Why you should choose UOB EVOL Credit Card

uob-evol-1024x644

UOB EVOL Card Welcome Gift: Get S$500 worth of Grab vouchers as the first 100 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date, in the shortest time, with SMS enrolment. Valid till 31 October 2023. T&Cs apply.

#1 Legit savings anytime, anywhere 

The UOB EVOL Card offers 8% cashback on an exhaustive list of online transactions and mobile contactless payments, making it an ideal credit card for your many online purchases.

Given the ubiquity of online shopping and contactless payments right now, the possibilities are just endless. It can include your favourite food delivery options, like Deliveroo and foodpanda, or universally-renowned e-commerce platforms like Taobao and Shopee. The realm of e-commerce is ever-active, allowing you to enjoy savings anytime, anywhere.

#2 Be part of an eco-friendly community

With the looming threat that is global warming, the UOB EVOL Card has dedicated itself to the preservation of our world. Boasting one of Southeast Asia’s first bio-sourced credit cards made from renewable plant-based materials, it saves plastic and reduces carbon footprint. Be part of the eco-friendly movement and enjoy exclusive discounts at eco-friendly stores such as Salad Stop! and Coconut Matter.

Other eco-friendly credit cards include the DBS Live Fresh Card and the OCBC Frank Card. 

See also: Card Comparison – DBS Live Fresh vs UOB EVOL vs OCBC Frank

DBS-Live-Fresh-Student-Card-1

Apply Now

DBS Live Fresh Card product summary

Cashback 💵
5% on public transport (SimplyGo), online, and mobile contactless spend
Up to 10% on selected eco-friendly merchants
Base cashback
0.3% on all other spend
Min. spend requirement
S$600 per month
Cashback cap
Capped at S$75 per month:
  • S$20 on  online spend
  • S$20 on  mobile contactless spend
  • S$15 on eco-friendly spend
  • S$20 on all other spend

ocbc-frank

Apply Now

OCBC Frank Credit Card product summary

Cashback 💵
8% on foreign currency spend
8% on online and mobile contactless spend
Extra 2% on selected eco-friendly merchants
Base cashback
0.3% on all other spend
Min. spend requirement
S$800 per month
Cashback cap
Capped at S$100 per month
S$25 per category

 

#3 Low maintenance, less pressure

Most credit cards have excessive monthly spend obligations to fulfil in order to reap the benefits, which ironically may be a financial crutch. With a reasonably attainable monthly expenditure of S$600, you get to enjoy a multitude of cashback benefits and exclusive discounts. 

Also, forget about those pesky annual fees because just three purchases a month for twelve months get you a waiver on your annual fees. This way, your annual fee is perpetually waived off for life!

See also: Credit Card Annual Fee Waiver Guide By Banks

#4 Supercharge your savings account

Featured

UOB One Account

UOB One Account
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If you’ve got an existing UOB One Account, make the most of it by applying for the UOB EVOL –– or other UOB credit cards for the matter. Credit card spending of at least $500 is one of the recognised categories to earn you higher interest rates, up to a maximum marketed rate of 7.8% p.a. 

For deposits of up to S$100,000 while meeting other criteria, you can expect a maximum effective interest rate (EIR) on the following:

  • 0.65% p.a. EIR on deposits of S$75,000 + min. S$500 credit card spend
  • 3.00% p.a. EIR on deposits of S$75,000 + min. S$500 credit card spend + 3 GIRO debit transactions per month
  • 5.00% p.a. EIR on deposits of S$100,000 + min. S$500 credit card spend + 3 GIRO debit transactions per month + min. S$1,600 salary credit via GIRO/PAYNOW per month

 

#5 Stay protected overseas with complimentary travel insurance

Want to travel overseas with peace of mind? Forgot to buy last-minute travel insurance? No fret, UOB EVOL provides complimentary travel insurance coverage when you charge your full travel tickets to the card upon checkout.

Insured with United Overseas Insurance (UOI), enjoy up to S$500,000 complimentary coverage for Public Conveyance Personal Accidents along with up to S$50,000 complimentary coverage for Emergency Medical Assistance, Evacuation and Repatriation due to accident or illness, including COVID-19.

While this coverage seems decent, it's actually missing protection for a few essential components like travel delay, trip cancellation, baggage delay, baggage loss, and others. 

Not to mention, the policy only insures the principal cardholder. It does not extend coverage to your partners or children. Therefore, this complimentary travel insurance is only sufficient if you're going on a solo trip or on a short-stint holiday.

Otherwise, we highly recommend finding other comprehensive travel insurance coverage (including COVID-19 if you prefer) for your group and family trips.

Read more:
10 Tips to Keep the Friendship Alive on Group & Grad Trips
10 Most Affordable Holiday Destinations From Singapore 2023
7 Family Holiday Ideas Less Than 7 Hours From Singapore

FD_TI_INBLOGARTICLE_800x250
SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance Premium for Individual Cover Covid-19 Coverage Promotion

FWD Travel Insurance

Apply Now

 
from S$22.50 (for 1 week in Asean)
Yes

Use the promo code SSTRIP to get 30% off on Single Trip and Annual Trip plans. Valid till 30 September 2023. T&Cs apply. 

Receive 1x Airalo eSim with up to 3GB data (minimum premium $60). Valid till 30 Sep 2023. T&Cs apply. 

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Etiqa (TIQ) Travel Insurance
Tiq_Etiqa_LogoLockUp-02

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from S$39 (for 1 week in Asean)
Yes

Single Trip: Use the promo code TIQSINGSAVER to get 40% off. T&Cs apply. Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 30 Sep. T&Cs apply.

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023.  T&Cs apply.

Plus, new customers get additional S$30 off on top of the discount with voucher code FREETRAVEL. Valid till 30 Sep 2023. T&Cs apply. Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

Starr TraveLead Travel Insurance


Apply Now

 
from S$11.05 (for 1 week in ASEAN)
Yes

Receive up to $50 Grab Vouchers and 35% discount plus an EXCLUSIVE Agoda promo code when you apply using the promo code SSVTL35. Valid till 30 September 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Allianz Travel Insurance
AZ logo

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from S$34.10 (for 1 week in Asean)
Yes

Get 35% discount and receive up to S$50 worth of Grab vouchers when you use the promo code G035. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

MSIG Travel Easy

Apply Now

 
from S$34.10 (for 1 week in ASEAN)
Yes

Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 Sep 2023. T&Cs apply

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Singlife Travel Insurance

SINGLIFE_LOGO_200x50-2 

Apply Now

 
 from S$46.20 (for 1 week in ASEAN)
 Yes

Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.

Allied World  Travel Insurance

Allied-World-Insurance-2

 

Apply Now

 
 from S$45 (for one week in Asean)
Yes

Single Trip: Enjoy a 30% discount when you apply now! Valid till 30 Sep 2023.

Annual Trip: Enjoy a 10% discount when you apply now! Valid till 30 Sep 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply

AIG Travel Guard® Direct 

aig-logo

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from S$30 (for 1 week in Asean)
Yes

Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG)  Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Great Eastern Travel Insurance

Great-Eastern-1

Apply Now

 
 from S$52 (for one week in Asean)
Yes

Single Trip: Get an 20% discount when you use the promo code TSP20S.

Annual Trip: Get an 10% discount when you use the promo code TSP10A. 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Promotion ends on 31 December 2023. T&Cs apply.
Find the Best Travel Insurance for You

 

What charges or fees should you look out for?

  • Annual fee: S$194.40 (Waived with 3 min. purchases per month for 12 consecutive months)
  • Overlimit fee: S$40
  • Late payment charge: S$100
  • Minimum monthly payment: 3% of current balance or S$50, whichever is higher
  • Interest on purchases: 27.8% p.a. subject to a minimum S$3 charge, calculated daily from the date each transaction is posted to your card account until full payment is received
  • Interest on cash advance: 28.5% p.a. will be charged upon the withdrawal date until the withdrawal amount and the relevant fees are paid in full
  • Cash advance fee: 8% of amount, subject to minimum S$15 fee
  • Foreign transaction fee: 3.25%
  • Dynamic currency conversion fee: 1%

Eligibility criteria

  • At least 21 years of age
  • Minimum annual income for Singapore citizens and PRs: S$30,000
  • Minimum annual income for Foreigners: S$40,000

How to apply? 

uob-evol-1024x644

UOB EVOL Card Welcome Gift: Get S$500 worth of Grab vouchers as the first 100 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date, in the shortest time, with SMS enrolment. Valid till 31 October 2023. T&Cs apply.

Click on the ‘Apply Now’ button in this article and complete the application form on SingSaver site. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • Salaried employees (Singaporeans/PRs):
    • Fixed monthly salary ≥ S$2,500:
      • Last 12 months' CPF statement
      • Latest original computerised payslip
      • Latest Income Tax Notice of Assessment and last 12 months' CPF statement or latest original computerised payslip
    • Fixed monthly salary < S$2,500:
      • Past 12 months' CPF statement
      • Latest 3 months' computerised payslip
      • Latest Income Tax Notice of Assessment and last 12 months' CPF statement or latest original computerised payslip
    • Length of employment < 3 months: Last computerised payslip, company Letter certifying employment, and monthly salary
  • Self-employed: Latest Income Tax Notice of Assessment

Who should get the UOB EVOL Credit Card?

uob-evol-1024x644

For the young and the young-at-heart to enjoy up to S$60 in savings each month, while living life to the fullest. 

With a seemingly endless list of possibilities in its online cashback options, the UOB EVOL card allows you to enjoy savings whether you’re on a date, playing your favourite computer game or even just getting groceries. Also, you’ll get access to UOB’s recently revamped digibank app, UOB TMRW, where tons of exclusive dining, shopping and travel deals await you. This starter credit card is also suitable for fresh graduates who are embarking on their next exciting undertaking.

SingSaver Exclusive Offer: Receive S$350 cash credit or S$500 worth of Grab vouchers or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spend requirements. T&Cs apply.

Apply For Your UOB Credit Card Now!

Read these next: 
Best Dining Credit Cards In Singapore
UOB One Card Review: Generous Cashback Card For Grab Users And Dairy Farm Shoppers
Credit Cards You Should Use As Your EZ-Link Card
Best Credit Cards For Paying Utility Bills In Singapore
Best Grocery Credit Cards In Singapore

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Tags Cashback Credit Card Guides & Tips credit card review UOB EVOL Card UOB One Account Credit Card

SingSaver team

SingSaver team

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.

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