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UOB One Card Review (2024): Generous Cashback Card For Grab Users And Dairy Farm Shoppers

SingSaver team

SingSaver team

Last updated 01 January, 2024

The UOB One Card is one of the most generous cashback credit cards you can get.

The UOB One Credit Card offers a tiered cashback system that gives you up to 15% cashback. This higher cashback rate applies to spends on Grab rides and purchases at Dairy Farm Singapore merchants.  All other spending will be eligible for 3.33% cashback.

If you can spend S$2,000 for three consecutive months, the UOB One could be the most generous cashback card around. Otherwise, the base 3.33% cashback isn’t too shabby either. 

Read on to find out how to use the UOB One card to your advantage.

Table of contents

Looking for the best credit cards to complement your spending patterns and expenditure in 2024? 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.


What the UOB One Credit Card can do for you

UOB_ONE

UOB One Card product summary:

  • Highest possible cashback: 15% 
  • Minimum monthly spend on 5 purchases or more:
    • Min. S$2,000 spend for three consecutive months: Additional 6.67% cashback + Enhanced 5% cashback
    • Min. S$500 or S$1,000 spend for three consecutive months: Additional 5% cashback + Enhanced 6.67% cashback
  • Up to 21.15% fuel savings at Shell kiosks
  • Up to 22.66% fuel savings at SPC kiosks
  • Up to 4.33% cashback on Singapore Power utilities bill
  • Maximum cashback earned:
    Base 3.33% + (Additional & Enhanced) 11.67% = Up to 15% cashback total
    • Base cashback is capped at S$50, S$100, or S$200 per quarter, not including additional & enhanced cashback. Hence, cardholders can earn a combined total cashback of up to S$2,000 cash rebates in a year.
  • Annual fee: S$196.20 (1st year waived)
Pros ✅ Cons ❌
3.33% base cashback on all qualifying retail spend Minimum monthly spend of S$2,000 (with minimum 5 purchases) to earn maximum cashback
Up to 15% (new-to-UOB cardmembers) or 10% cashback on:
- McDonald's [New!]
- Shopee
- Grab services
- Dairy Farm International Retail Group (e.g. Cold Storage, Giant, Guardian, 7-Eleven)
- SimplyGo
- UOB Travel
- SP Group
Enhanced cashback (5% or 6.67%) only applicable to new-to-UOB cardmembers applying for UOB One Credit Card by 31 December 2023

Up to 21.15% savings at Shell
Up to 22.66% savings at SPC

Cashback will be forfeited upon card termination as all benefits and privileges offered by the card will no longer available
Additional 4.33% cashback for Singapore Power utility bills Interest rate drops back down to 0.05% p.a. on savings more than S$100,000 in the UOB One account
Up to S$2,000 total cashback per year Quarterly cashback only
For deposits of up to S$75,000: Up to 4.85% p.a. interest on your UOB One savings account 

For deposits above S$75,000 but under S$100,000: Up to 7.8% p.a. interest on your UOB One savings account
 

UOB ONE Card Welcome Offer: Get S$350 Grab Vouchers if you are the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.

Also, get up to 15% cashback on quarterly spend from selected merchants and services if you sign up within the promotional period. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.

For the categories earning up to 10% cashback, you will earn an additional 5% cashback in quarterly cash rebate so long as you're a new-to-UOB cardholder applying for the UOB One Card from now till 31 December 2023.

How much quarterly cashback you earn depends on how much qualifying spend you satisfy each month.

As a base, everyone earns the standard 3.33% cashback with a minimum S$500, S$1,000, or S$2,000 spend on at least 5 transactions per statement month.

Next, the additional cashback and enhanced cashback are separated into two tiers each:

  • Tier 1: Min. S$500 / S$1,000 monthly spend 
  • Tier 2: Min. S$2,000 monthly spend
For 3 consecutive months 📅
Min. S$500 / S$1,000 spend per month
Min. S$2,000 spend per month
Base cashback
3.33%
Additional cashback
5%
6.67%
Enhanced cashback
(For new-to-UOB cardmembers only)
6.67%
5%
Total cashback earned
Existing UOB cardmembers: 8.33% - 10%
New-to-UOB cardmembers: 15%

Why should you choose the UOB One credit card?

UOB_ONE

If you easily spend S$500 a month on your credit card, take Grab rides and shop at Shopee, Cold Storage or Giant, the UOB One credit card could be the one to add to your wallet. 

UOB ONE Card Welcome Offer: Get S$350 Grab Vouchers if you are the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.

Also, get up to 15% cashback on quarterly spend from selected merchants and services if you sign up within the promotional period. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


#1: Earn 10% cashback on all your Grab rides

UOB One credit card offers a generous cashback on all your Grab rides of up to 10%.

Even if you fail to spend $2,000 for three consecutive months, you will still be earning a good additional 5% cashback as a consolation. However, remember that this cashback only applies to Grab rides which are paid directly with your UOB One credit card.

Mobile wallet top-ups are excluded from getting cashback.

See more: Complete Guide to Mobile Wallets in Singapore


#2: Save on 10% cashback when you spend at your favourite grocers

If your go-to supermarket is Cold Storage or Giant, you’re in luck. UOB One especially rewards you with up to 10% cashback for purchases made at Dairy Farm Singapore merchants. This includes Cold Storage, Giant, Guardian, 7-Eleven, Market Place, Jason's and Jason's Deli.

Once again, if you fail to hit the maximum S$2,000 spend tier, you'll still earn a steady 5% cashback on your groceries.

Alternatively, you can also check out this article for the best grocery credit cards in Singapore.


Read more:

Best Credit Cards For Online Groceries (Sheng Siong Online, Cold Storage Online, RedMart, FairPrice Online)
10 Best Supermarket House Brand Products in Singapore You Should Buy


#3: Greater savings on your supper runs to McDonald's [New]

Most of us would agree that McDonald's is one of the best fast food restaurants to indulge in classic burgers, fries, ice creams, and the like. In Singapore alone, there are 154 outlets operating on our tiny island – so that definitely puts into perspective how popular McDonald's is among Singaporeans.

In recognition of this, the UOB One Card now includes McDonald's as one of its eligible merchants to earn 10% cashback (or up to 15% for new-to-UOB cardmembers) to score greater savings on your fast food orders.

This cashback rate is notably competitive, particularly when compared to the likes of Standard Chartered Smart Credit Card which only rewards up to 6% cashback on fast food transactions.

So now, you'll have even more excuse reason to eat McDonald's more regularly than you already do. 😉🍔🍟🥤 

You can check out other credit cards to save your next McDonald's order here.


#4: Additional 1% cash rebate on your utility bills 

The UOB One Card rewards you with an additional 1% on your Singapore Power Utilities bills when you qualify for your quarterly cash rebate. This adds up to a total of 4.33% cashback on your utility bill

You can check out other best credit cards to pay off your electricity and water bills here.

Read more:
Complete Guide to Singapore's Open Electricity Market
Credit Cards to Supercharge your Savings on Open Electricity Market


#5: Up to 21.15% fuel savings at Shell and 22.66% fuel savings at SPC

For drivers loyal to Shell and SPC, you'll be ecstatic to know that the UOB One Card gives you immense savings on fuel – up to 21.15% savings at Shell and up to 22.66% savings at SPC.

💡 Pro-tip: Shave off even more savings of 27.8% discount at Shell when paying using the Shell Value Drive Card and UOB One Card together.


Read more:

Best Petrol Credit Cards in Singapore
The Real Cost: Electric Cars vs Petrol Cars


#6: Pair it with your UOB One Account for up to 7.8% p.a. interest on  your savings

Featured

UOB One Account

UOB One Account
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The UOB One account offers up to 7.8% p.a. interest on your first S$100,000 with little effort required.

All you have to do is to credit your salary every month and spend a minimum of S$500 on a UOB credit card. The UOB One credit card would be the perfect card to match this savings account

However, if you prefer chasing miles you can consider the UOB PRVI Miles, KrisFlyer UOB or UOB Lady’s card instead.

UOB credit cards

Here are some other credit UOB credit cards to consider pairing with your UOB One Savings Account:

  • UOB PRVI Miles Card: 
    • 1.4 mpd on local spend
    • 2.4 mpd on overseas spend
    • 6 mpd on major airline and hotel bookings via Agoda, Expedia, and UOB Travel
  • KrisFlyer UOB Card:
    • Up to 3 mpd on everyday spend with min. S$800 annual spend on Singapore Airlines, Scoot, and KrisShop
    • Includes categories like dining, online food delivery, online shopping, online travel, and transport services
  • UOB Lady's Card:
    • 6 mpd on one enrolled category per quarter
    • Choose from categories - Fashion, Dining, Entertainment, Family, Travel, Beauty & Wellness, Transport

UOB PRVI Miles World MasterCard open_in_new

Airmiles Overseas: 2.40 miles per dollar

UOB PRVI Miles Visa Card open_in_new

Airmiles Overseas: 2.40 miles per dollar

UOB PRVI Miles American Express Card open_in_new

Airmiles Overseas: 2.40 miles per dollar

KrisFlyer UOB Credit Card open_in_new

Airmiles Local: 3 miles per dollar

UOB Lady's Card open_in_new

Airmiles Local: 6 miles per dollar

 

Read more:
UOB PRVI Miles Visa Credit Card Review: For Frequent Travellers
KrisFlyer UOB Credit Card Review: For SIA & Scoot Perks
Best Women's Credit Cards in Singapore


What charges or fees should you look out for?

  • Annual fee: S$196.20 (First year waived) 
  • Late payment charge: S$100 if minimum payment is not received by due date
  • Cash advance fee: 8% of due amount, subject to S$15 minimum fee
  • Minimum monthly payment: 3% of current balance or $50, whichever is higher, plus any overdue amounts
  • Overlimit fee: S$40 if the total outstanding card balance exceeds the total credit limit at any time
  • Foreign currency transaction fee: 3.25% on converted amount (1% retained by Mastercard)
  • Interest on purchases: 27.8% p.a. on amount unpaid (including late payment charges) until outstanding is paid in full
  • Interest on cash advance: 28.5% p.a. from the date of the cash advance until the date the outstanding is paid in full
  • Additional interest: 3% p.a. on top of prevailing interest on any remaining unpaid amount if minimum payment is overdue

Eligibility criteria

  • At least 21 years of age
  • Minimum annual income for Singapore Citizens and PRs: S$30,000 or a fixed deposit collateral of at least S$10,000
  • Minimum annual income for Foreigners: S$40,000 or a fixed deposit collateral of at least S$10,000

How to apply? 

UOB_ONE

Click on the ‘Apply Now’ button on this page and complete the application form on SingSaver site via Singpass MyInfo. 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

UOB Credit Card Welcome Offer: Receive S$350 Grab Vouchers or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


Should you get the UOB One Credit Card?

UOB_ONE

Those who care enough to count their cashback dollars and take the title of 'Singapore's most generous rebate card' seriously. UOB One's quarterly cashback structure is anything but simple, and it'll demand the highest order of expense-tracking efforts.

You'll have to be disciplined enough to take a measured approach to your monthly spending, for up to three consecutive months. It'd also make sense if your two heaviest lifestyle expenditure categories are groceries and Grab rides.

UOB ONE Card Welcome Offer: Get S$350 Grab Vouchers if you are the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.

Also, get up to 15% cashback on quarterly spend from selected merchants and services if you sign up within the promotional period. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.

 

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.

FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

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