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Best UOB Credit Cards in Singapore 2024

UOB credit cards are popular in Singapore for their rewards, easy-to-use app, and great customer service. With cashback, rewards points, and discounts on dining, shopping, and travel, UOB offers attractive deals for customers. Plus, the bank frequently runs promotions on local attractions, dining, and shopping. Overall, UOB credit cards are a reliable and rewarding choice for Singaporeans.

Which UOB Credit Card Is Best For You?

 

UOB One Card: Best for Everyday Spending
UOB Absolute Cashback Card: Best for Unlimited Cashback
UOB EVOL Card: Best for Online and Contactless Spending
Krisflyer UOB Card: Best for KrisFlyer Miles
UOB PRVI Miles Visa Card: Best for Overseas Spending
UOB PRVI Miles Mastercard Card: Best for Overseas Spending
UOB PRVI Miles Amex Card: Best for Overseas Spending
Discover the best UOB credit cards and apply now
Jump to: Compare and Find the Right UOB Credit Card | Benefits of Using UOB Credit Cards | Managing Your UOB Credit Card | Frequently Asked Questions


Disclaimer: SingSaver assembles this 'best' list from cards listed on our platform that Seedly Community has also reviewed. It is not intended to be and does not constitute personalised financial advice or any other advice. Please perform your due diligence before signing up for any financial product.


Best UOB Credit Card Comparison

UOB One Card

UOB One Card

Cashback Local
10  %
info
Cashback Supermarket
Up to 10  %
info
Monthly Spend Required
S$ 2,000
info
Cashback Transport
Up to 10  %
info

2 Offers Available

Welcome Offer
S$350 Grab vouchers
S$350 Grab vouchers

Valid until

29 February 2024

Welcome Offer
15% cashback
15% cashback

Valid until

31 March 2024

Things to consider for this product:

check

Supermarket rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

UOB Lady's Card

UOB Lady's Card

Airmiles Local
6  miles per dollar
info
Airmiles Overseas
6  miles per dollar
info
Airmiles Base Rate
0.4  miles per dollar
info
Airmiles Bonus Cap
6,000  miles
info

Offer Available

Welcome Offer
S$350 Grab vouchers
S$350 Grab vouchers

Valid until

29 February 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

UOB Lady's Solitaire Card

UOB Lady's Solitaire Card

Airmiles Local
6  miles per dollar
info
Airmiles Overseas
6  miles per dollar
info
Airmiles Base Rate
0.4  miles per dollar
info
Airmiles Bonus Cap
UNI$ 8,400
info

Offer Available

Welcome Offer
S$350 Grab vouchers
S$350 Grab vouchers

Valid until

29 February 2024

Things to consider for this product:

check

Local spending rebate

check

Installment

check

No monthly spend required

remove

Rebate cap applied

UOB Absolute Cashback Card

UOB Absolute Cashback Card

Cashback Local
1.7  %
Monthly Spend Required
None
Cashback Overseas
1.7  %
Cashback Insurance
1.7  %

Offer Available

Welcome Offer
S$350 Grab vouchers
S$350 Grab vouchers

Valid until

29 February 2024

Things to consider for this product:

check

No rebate cap

check

No monthly spend required

check

Insurance rebate

check

Local spending rebate

UOB EVOL Card

UOB EVOL Card

Cashback Local Online Shopping
8  %
info
Cashback Digital Wallet
8  %
info
Monthly Spend Required
S$ 600  per month
info
Cashback Contactless Spend
8  %
info

Offer Available

Welcome Offer
S$350 Grab vouchers
S$350 Grab vouchers

Valid until

29 February 2024

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

remove

Monthly spend required

remove

Rebate cap applied

KrisFlyer UOB Credit Card

KrisFlyer UOB Credit Card

Airmiles Local
3  miles per dollar
info
Air Miles Conversion Fee
No Fee
Airmiles Flight Booking
3  miles per dollar
info
Complimentary Travel Insurance
Up to S$500,000

Offer Available

Welcome Offer
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)
31,000 miles plus first year annual fee waived (S$194.40 incl. GST)

Valid until

31 March 2024

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Annual Fee waiver

remove

Monthly spend required

UOB PRVI Miles Visa Card

UOB PRVI Miles Visa Card

Airmiles Local
1.4  miles per dollar
Airmiles Overseas
2.4  miles per dollar
Annual Fee
S$ 261.6
info
Airmiles Travel
Up to 6  miles per dollar
info

2 Offers Available

Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

29 February 2024

Welcome Offer
30,000 miles with annual fee waiver
30,000 miles with annual fee waiver

Valid until

29 February 2024

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

UOB PRVI Miles World MasterCard

UOB PRVI Miles World MasterCard

Airmiles Local
1.4  miles per dollar
Airmiles Overseas
2.4  miles per dollar
Annual Fee
S$ 261.6
info
Airmiles Travel
6  miles per dollar
info

2 Offers Available

Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

29 February 2024

Welcome Offer
30,000 miles with annual fee waiver
30,000 miles with annual fee waiver

Valid until

29 February 2024

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

Airmiles Local
1.4  miles per dollar
Airmiles Overseas
2.4  miles per dollar
Annual Fee
S$ 261.6
info
Airmiles Travel
1.4  miles per dollar

2 Offers Available

Welcome Offer
50,000 miles upon SMS registration and fulfilling spend requirement
50,000 miles upon SMS registration and fulfilling spend requirement

Valid until

29 February 2024

Welcome Offer
30,000 miles with annual fee waiver
30,000 miles with annual fee waiver

Valid until

29 February 2024

Things to consider for this product:

check

Bonus air miles

check

Unlimited air miles

check

Travel insurance

check

No monthly spend required

Compare and Find the Best UOB Credit Cards

Finding the best UOB credit cards in Singapore can be overwhelming, therefore, it is important to consider your spending habits and the benefits you are looking for.
Rewards and benefits to UOB credit cards
Rewards and Benefits

Start by evaluating the rewards and benefits that each card offers, such as cashback, miles or rewards points on certain purchases.

Associated fees for UOB credit cards
Associated Fees

Next, consider the annual fee, interest rate, and any additional fees associated with the card. Additionally, look into the card's foreign transaction fees if you plan to travel frequently.

Read reviews about UOB credit cards
Compare Reviews

It's helpful to compare the options available and read reviews from other cardholders before deciding. Ultimately, the right UOB credit card will depend on your specific needs and how you plan to use it.

SingSaver Exclusive: UOB Credit Card Promotions in Singapore

For UOB PRVI Miles Card: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 29 February 2024. T&Cs apply.

Alternatively, get 30,000 miles when you apply with first-year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date (capped at first 50 eligible cardmembers monthly). Valid till 29 February 2024. T&Cs apply.


For UOB EVOL Card: Receive S$350 Grab Vouchers as the first 200 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 29 February 2024. T&Cs apply.


For UOB Lady's, UOB One and UOB Absolute Cashback Card: Get S$350 Grab Vouchers if you are the first 200 new-to-UOB credit card customer and make a min. spend of S$1,000 for 2 consecutive months from their card approval date. Valid till 29 February 2024. T&Cs apply.


For KrisFlyer UOB Card: Get up to 31,000 miles plus a first-year annual fee waiver for new-to-UOB credit cardmembers who apply and make a min. spend of S$2,000 within 2 months from card approval date. 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.

UOB One Credit Card

The UOB One Credit Card is a generous cashback credit card designed for those who spend regularly on daily essentials such as groceries, petrol, and online shopping. Spend S$2,000 for 3 consecutive months to enjoy up to 15% cashback, the highest amongst other cashback credit cards in Singapore.

What others are saying about this card?

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What others are saying about this card?

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UOB Lady's Card

The UOB Lady's Card is one of the most generous and versatile rewards/miles cards available in the market. Now available for both men and women, customers can enjoy 6 miles per dollar on one of seven preferred reward categories: beauty & wellness, fashion, dining, family, travel, transport, and entertainment. The bonus earn rate has a spending cap of S$1,000 per calendar month

What others are saying about this card?

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UOB Lady's Solitaire Card

The UOB Lady's Solitaire Card is similar to the UOB Lady's Card. However, it allows you to earn 6 miles per dollar on two of seven preferred reward categories instead of one. The bonus earn rate has a higher spending cap as well, at S$3,000 a month.

UOB_LADYS_SOLITAIRE_MASTER-1

What others are saying about this card?

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UOB Absolute Cashback Card

The UOB Absolute Cashback Card is a credit card that offers unlimited 1.7% cashback on all spending, with no minimum spend or exclusions. It even allows you to earn cashback for insurance premiums, healthcare, and school fees - something which other cashback cards don't offer.

What others are saying about this card?

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What others are saying about this card?

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stars_4
Reviewed by Seedly User, Fel

Useful as a simple cash back card, currently even include grab top ups which is good. Good also for big ticket items as no cap. Only downside is that not all merchants may accept AMEX

Rating Group - 5
Reviewed by Seedly User, SW

Useful for getting 1.7% cashback effortlessly, even when paying for insurance premiums, hospital bills, school fees or topping up of e-wallet like Grabpay. my go-to card for the common spend exclusions. Just take note that the cashback is only credited in the following statement month:)

UOB EVOL Card

The UOB EVOL Card is a credit card designed for the tech-savvy generation. It lets you earn 8% cashback on online and contactless transactions, making it ideal for those who prefer to go cashless. Cardholders can also enjoy zero annual fees as long as they make 3 transactions monthly.

What others are saying about this card?

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What others are saying about this card?

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KrisFlyer UOB Card

The KrisFlyer UOB Card is a miles card that rewards you for making SIA-related purchases, as well as shopping for your daily essentials. Besides earning 3 KrisFlyer Miles per dollar, cardholders will also enjoy S$0 conversion fees as your earned miles are credited to your KrisFlyer account automatically.

What others are saying about this card?

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What others are saying about this card?

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UOB PRVI Miles Visa Card

The UOB PRVI Miles Card is a versatile credit card that lets you earn miles on both local and overseas spend. Depending on which payment network you choose, you'll get to enjoy several exclusive travel and lifestyle benefits such as complimentary travel insurance and airport transfers.

What others are saying about this card?

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What others are saying about this card?

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UOB PRVI Miles Mastercard

The UOB PRVI Miles Card is a versatile credit card that lets you earn miles on both local and overseas spend. Depending on which payment network you choose, you'll get to enjoy several exclusive travel and lifestyle benefits such as complimentary travel insurance and airport transfers.

UOB PRVI Miles AMEX Card

The UOB PRVI Miles Card is a versatile credit card that lets you earn miles on both local and overseas spend. Depending on which payment network you choose, you'll get to enjoy several exclusive travel and lifestyle benefits such as complimentary travel insurance and airport transfers.

Benefits of Using UOB Credit Cards

UOB island of rewards programme

UOB Island of Rewards Programme

Island of Rewards is a programme by UOB that allows credit cardholders to instantly redeem their UOB rewards points (UNI$) without having to wait for physical vouchers to arrive in the mail. UOB's instant rewards partners include Paragon, Capitaland Malls, Frasers Centrepoint Malls, Tangs, Best Denki, Giant, and more.

Simply present your UOB credit card at the point of purchase to offset your purchases with UNI$. Cardholders can also choose to redeem their UNI$ for merchants' Rewards vouchers.

Redeeming UNI$ Rewards Points

Redeem UOB UNI$

UOB credit cardholders can earn UNI$ for purchases made on a UOB credit card that is part of its Rewards programme. 

UNI$ can be redeemed for exclusive rewards, from dining vouchers, shopping vouchers, air miles, and cash rebates. Cardmembers can also choose to offset their purchases with UNI$.

Cardholders can directly redeem their UNI$ through the UOB website, the UOB TMRW app, or participating merchants that offer Instant Rewards Redemption.

Earn Instant Cashback With UOB$ Programme

Instant cashback with UOB$

The UOB$ Programme lets UOB cardmembers in Singapore earn up to 10% instant cashback (UOB$) for every UOB card transaction made at participating merchants. With over 880 participating merchants, cardholders can earn UOB$ across all categories islandwide. They can then use their earned UOB$ to offset their spending on their next bill at the same merchant.

Overall, this programme helps consumers save money on their daily expenses and allows cardholders to stretch their budgets further.

Enjoy A Seamless Banking Experience on the UOB TMRW App

Seamless banking with UOB TMRW app

UOB TMRW is a mobile banking app designed for tech-savvy Singaporean customers. It offers a seamless and intuitive user experience, allowing customers to manage their finances on-the-go with just their mobile phone.

UOB customers can access a range of banking services, including making payments, paying bills, withdrawing cash contactlessly, and opening new savings and credit card accounts. The app also offers useful features like personalised spending insights and financial planning tools to help customers make smarter financial decisions.

Overall, UOB TMRW is an innovative banking solution that caters to the needs of tech-savvy Singaporeans who prefer a mobile-first banking experience.

Enjoy Interest-Free Instalments with UOB SmartPay

Interest free instalments with UOB SmartPay

UOB's SmartPay allows you to turn your credit card purchases into 0% interest-free instalments. Whether you're making a big purchase or just paying for a short vacation, you can enjoy peace of mind knowing your repayment can be manageable and interest-free.

UOB SmartPay allows UOB credit card holders to divide their purchases over 3, 6 or 12 months, as long as you meet the minimum spend of S$500.

Please note that a one-time processing fee of 3% of the transaction amount applies for the 3 and 6-month tenures, while a one-time 5% processing fee applies for 12-month tenures.

Managing Your UOB Credit Card

Increase UOB credit card spending limit

Increasing your UOB Credit Card Limit

UOB credit cardholders can apply for a permanent credit card limit increase by completing an application via MyInfo and submitting the required income documents, such as the latest Income Tax Notice of Assessment and Computerised Payslip or 12 months' CPF Contribution History Statement.

For a temporary credit card limit increase, cardholders can submit a request via the UOB TMRW mobile app for instant approval or call their customer service hotline at 1800 222 2121. Do note that a temporary credit card limit increase is only applicable for overseas travel, weddings, medical / hospitalisation and compassionate purposes.

Paying Your UOB Credit Card Bills

There are several convenient ways to pay for your UOB Credit Card Bills:

Online Banking: Log in to your UOB Online Banking account and select ""Pay Bills"" to make your credit card payment.

Mobile Banking: Use the UOB TMRW mobile app to make your credit card payment on-the-go.

GIRO: Set up a GIRO arrangement to automatically deduct the payment from your designated bank account.

AXS/S.A.M Machines: Make payment at any AXS or S.A.M machines islandwide.

Bank Branch: Visit any UOB Branch and make payment over the counter. Do note that all UOB vranches will only process credit card bill payments above S$2,000 only.

Checking Your UOB Credit Card Statement and Bills

You can check your UOB Credit Card Statements and Bills via the following channels:

Online Banking: Log in to your UOB Online Banking account to view your credit card statement and transaction history.

Mobile Banking: Use the UOB TMRW mobile app to view your credit card statement and transaction history on-the-go.

Email and Push Notifications: Sign up for Email or Push Notifications for your credit card transactions and payment due dates.

How to Cancel Your UOB Credit Card?

How to cancel my UOB credit

If you need to cancel your UOB credit card, you can contact the bank directly at 1800 222 2121 or +65 6222 2121 if you are overseas. It's important to note that you may be responsible for any outstanding balance or fees on your credit card.

Alternatively, you may also cancel your UOB credit card via the UOB TMRW Mobile app or UOB Online Banking portal.

It's important to note that cancelling a credit card can have an impact on your credit score and financial standing, so it's a decision that should be made carefully and only when necessary.

How to Apply For a UOB Credit Card?

apply for a uob credit card

Applying for a UOB credit card in Singapore is a straightforward process that can be done online.

New UOB customers may submit their credit card applications via the UOB Online Banking portal. For existing customers, they can submit their credit card application via the UOB Online Banking portal or UOB TMRW Mobile app.

To be eligible for a UOB credit card, you must be a Singaporean citizen or a permanent resident, and at least 21 years of age. You will also need to provide supporting documents such as your NRIC or passport, income documents, and proof of address.

Once your application is approved, you will receive your new UOB credit card within a few working days.

Frequently Asked Questions

UOB credit cardholders in Singapore can apply for supplementary credit cards for their family members, allowing them to enjoy the benefits and rewards of the primary card.

To apply for a UOB supplementary credit card, log in to your UOB online banking account and provide the necessary personal details and identification documents of the supplementary cardholder.

Once the application is approved, the supplementary credit card will be sent to the designated address within 7 to 10 working days. 

Do note, as the primary cardholder, you are responsible for ensuring that the supplementary card is used responsibly and that the bills are paid on time to avoid any interest charges or late payment fees.

Checking your UNI$ Rewards Points is important to ensure that you are maximising the benefits of your credit card. To check your UNI$, you can follow these steps:

  1. Log in to your UOB online banking account or UOB TMRW app.
  2. Click on the "Rewards" or "Rewards Summary" tab.
  3. You can then view your available UNI$ and transaction history.
  4. Alternatively, you can call UOB's customer service hotline at 1800 222 2121 to enquire about your UNI$ balance.

It's important to note that UNI$ typically have an expiry date, so be sure to check and use them before they expire. Additionally, UNI$ can be redeemed for a variety of rewards such as shopping vouchers, air miles, cashback, and more. 

By regularly checking your UNI$, you can ensure that you are making the most of your credit card benefits.

UOB credit cardholders who plan to travel overseas should ensure that their credit cards are activated for use outside of Singapore. To activate your UOB credit card for overseas use, you can follow these steps:

  1. Log in to your UOB online banking account or UOB TMRW app.
  2. Click on the "Card Services" or "Service Requests" tab.
  3. Select "Overseas Card Use" and follow the prompts to activate your card.
  4. Alternatively, you can call UOB's customer service hotline at 1800 222 2121 or visit a UOB branch to request for overseas activation.

It's important to note that overseas activation may take up to 24 hours to process, so be sure to activate your card in advance before your trip. Additionally, UOB credit cardholders should also take note of foreign transaction fees and currency conversion fees when using their credit cards overseas. 

By activating your UOB credit card for overseas use and being aware of these fees, you can have a smooth and hassle-free experience when using your credit card abroad. 

If you are a UOB credit cardholder in Singapore, you may be eligible for an annual fee waiver on your credit card. 

To request for an annual fee waiver, you can do so via the UOB online banking account or UOB TMRW app. It's important to note that the annual fee waiver is not guaranteed and is subject to UOB's discretion.

To increase your chances of getting an annual fee waiver, make sure to use your UOB credit card regularly and make prompt payments on your bills. By demonstrating good credit card usage, you may be able to negotiate a waiver or a reduced fee with UOB.