Best UOB Credit Cards in Singapore 2023
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.
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.
Compare and Find the Best UOB Credit Cards

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

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.

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 30 September 2023. T&Cs apply.
Alternatively, get 30,000 miles when you are one of the first 200 to apply with a first-year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Valid till 30 September 2023. T&Cs apply.
For UOB EVOL Card: 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.
For UOB Lady's, UOB One and UOB Absolute Cashback Card: Get S$350 cash credit when you make a min. spend of S$1,000 within 30 days from card approval date. Valid till 30 September 2023. T&Cs apply.
For KrisFlyer UOB Card: Get up to 31,000 miles plus a first-year annual fee waiver of S$194.40 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 30 September 2023. T&Cs apply.
Best UOB Credit Card Comparison
Product |
Benefits |
Spending Category |
Min. Annual Income |
Annual Fee |
Apply |
---|---|---|---|---|---|
![]() UOB One Card
|
Up to 15% cashback on Spending Category
|
Online shopping, groceries, health and beauty, transport, food delivery and ultilities
|
Local/PR: S$30,000
Foreigner: S$40,000 |
S$194.40 (First Year Fee Waiver)
|
|
![]() UOB Lady's Card
|
S$1 = 6 miles on one Spending Category |
Choose one: |
Local/PR: S$30,000
Foreigner: S$40,000 |
S$194.40 (First Year Fee Waiver)
|
|
![]() UOB Lady's Solitaire Card
|
S$1 = 6 miles on two Spending Categories |
Choose two: |
Local/PR/Foreigner: S$120,000
|
S$410.40 (First Year Fee Waiver)
|
|
![]() UOB Absolute Cashback Card
|
Unlimited 1.7% cashback with no spend requirements
|
All categories
|
Local/PR: S$30,000
Foreigner: S$40,000 |
S$194.40 (First Year Fee Waiver)
|
|
![]() UOB EVOL Card
|
8% cashback on Spending Category
No annual fee if 3 transactions are made monthly |
Online and contactless spending
|
Local/PR: S$30,000
Foreigner: S$40,000 |
S$194.40 (First Year Fee Waiver)
|
|
![]() KrisFlyer UOB Credit Card
|
S$1 = 3 KrisFlyer Miles on SIA-related purchases
S$1 = 3 KrisFlyer Miles on Everyday Spending with min. S$800 annual spend on SIA-related purchases S$1 = 1.2 KrisFlyer Miles for all other spending |
Singapore Airlines, Scoot, KrisShop and Kris+ purchases, dining, online shopping, online travel and transport
|
Local/PR: S$30,000
Foreigner: S$40,000 |
S$194.40 (First Year Fee Waiver)
|
|
![]() UOB PRVI Miles Visa Card
|
S$1 = 1.4/2.4 miles on Local/Overseas Spending
|
Local and overseas spending
|
Local/PR: S$30,000
Foreigner: S$40,000 |
S$259.20 (First Year Fee Waiver)
|
|
![]() UOB PRVI Miles World MasterCard
|
S$1 = 1.4/2.4 miles on Local/Overseas Spending
|
Local and overseas spending
|
Local/PR: S$30,000
Foreigner: S$40,000 |
S$259.20 (First Year Fee Waiver)
|
|
![]() UOB PRVI Miles American Express Card
|
S$1 = 1.4/2.4 miles on Local/Overseas Spending
|
Local and overseas spending
|
Local/PR: S$30,000
Foreigner: S$40,000 |
S$259.20 (First Year Fee Waiver)
|
|
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.
UOB One Card Welcome Gift: Receive S$350 cash credit if you are one of the first 200 new-to-UOB credit cardmembers to apply and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 September 2023. 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 December 2023. T&Cs apply.
|
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
UOB Lady's Card Welcome Gift: Receive S$350 cash credit if you are the first 200 new-to-UOB credit cardmembers to apply and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 September 2023. T&Cs apply.
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 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.
UOB Absolute Cashback Card Welcome Gift: Receive S$350 cash credit if you are one of the first 200 new-to-UOB credit cardmembers to apply and spend a min. of S$1,000 for 2 consecutive months from card approval date. Valid till 30 September 2023. T&Cs apply.
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.
UOB EVOL Card Welcome Gift: Receive S$500 worth of Grab vouchers if you are one of the first 100 applicants per month within the promotional period to apply with SMS registration and spend a min. of S$1,000 per month for 2 consecutive months from date of card approval. Valid till 31 Oct 2023. T&Cs apply.
|
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.
KrisFlyer UOB Card Welcome Gift: Receive 31,000 miles plus first-year annual fee waiver (S$194.40 incl. GST) when you apply and spend a min. of S$2,000 within 60 days of card approval. Valid till 30 September 2023. T&Cs apply.
|
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.
UOB PRVI Miles Visa Card Welcome Gift: 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 30 September 2023. T&Cs apply.
Alternatively, get 30,000 miles when you are one of the first 200 to apply with a first-year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Valid till 30 September 2023. T&Cs apply.
|
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 Mastercard Welcome Gift: 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 30 September 2023. T&Cs apply.
Alternatively, get 30,000 miles when you are one of the first 200 to apply with a first-year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Valid till 30 September 2023. T&Cs apply.
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.
UOB PRVI Miles Amex Card Welcome Gift: 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 30 September 2023. T&Cs apply.
Alternatively, get 30,000 miles when you are one of the first 200 to apply with a first-year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Valid till 30 September 2023. T&Cs apply.
Benefits of Using UOB Credit Cards

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

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

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

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

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

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?

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?

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.
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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$, you can follow these steps:
- Log in to your UOB online banking account or UOB TMRW app.
- Click on the "Rewards" or "Rewards Summary" tab.
- You can then view your available UNI$ and transaction history.
- 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:
- Log in to your UOB online banking account or UOB TMRW app.
- Click on the "Card Services" or "Service Requests" tab.
- Select "Overseas Card Use" and follow the prompts to activate your card.
- 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.