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?
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
Valid until
31 March 2024
Valid until
31 March 2024
- Up to 10% cashback (up to 15% for new UOB credit cardmembers) on online shopping, groceries, health and beauty, convenience stores, transport, food delivery, utilities and more.
- Up to 4.33% cashback on Singapore Power utilities bill.
- Up to 3.33% cashback on all retail spend.
- Petrol savings of up to 22.66% at Shell and SPC.
- Greater savings with up to 7.8% p.a. interest with UOB One Account+.
- Min. spend of S$500 / S$1,000 / S$2,000 per month (min. 5 purchases) for 3 consecutive months to earnadditional up to 5% cashback.
- Awarding of cash rebate only comes every quarter.
- Qualifying monthly spend for cash rebate has to be spread out across min. 5 different purchases.
Gift Options
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
Gift Options
- Promotion is valid only for new-to-UOB credit cardmembers
- Apply for the UOB One Card within the promotional period to be eligible for 15% cashback
- Merchants and services eligible for enhanced cashback include McDonald's, DFI Retail Group, Grab, Shopee, SimplyGo and UOB Travel
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee : From 3 %
UOB Lady's Card
Valid until
31 March 2024
- Pick from 7 rewards categories to earn 15X UNI$ (or 30 miles) for every S$5 spent.
- LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
- Complimentary e-Commerce protection on your online purchases.
- Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
- Same day delivery upon card approval.
- You can only choose 1 rewards category out of 7 for the 15X UNI$ (or 30 miles) earn rate. It can’t be changed until next quarter.
Gift Options
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee: From 3 %
UOB Lady's Solitaire Card
Valid until
31 March 2024
- 15X UNI$ for every S$5 spent (equivalent to 6 miles per S$1) on 2 of your preferred rewards categories..
- UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.
- Complimentary travel insurance coverage of up to US$100,000.
- Complimentary e-commerce protection
- 0% LuxePay
- S$120,000 annual income
- S$410.40 annual fee
- S$5 earning blocks for miles.
- Automatic UNI$ deductions
Gift Options
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee: From 3 %
UOB Absolute Cashback Card
Valid until
31 March 2024
- 1.7% cashback with no spend exclusions.
- No min. spend required to attain 1.7% cashback rate.
- No cashback cap.
- Cashback earned in current statement period is automatically used to offset the following month's bill.
- Mobile contactless payment methods not supported.
Gift Options
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee: From 3 %
UOB EVOL Card
Valid until
31 March 2024
- Enjoy 8% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Fitbit Pay).
- All other spends earn 0.3% cashback.
- Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
- Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
- Get greater savings with up to 7.8% p.a. interest with UOB One Account+.
- Minimum spend of S$600 each statement month to enjoy accelerated cashback earn rate.
- S$60 total cashback cap per statement month, capped at S$20 per category.
Gift Options
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee : From 3 %
KrisFlyer UOB Credit Card
Valid until
31 March 2024
- Earn 3 KrisFlyer miles per S$1 on Singapore Airlines, Scoot, KrisShop and Kris+ purchases.
- Earn up to 3 KrisFlyer miles per S$1 on dining, food delivery, online shopping, travel and transport spend.
- Earn 1.2 KrisFlyer miles per S$1 on all other spend.
- No cap on KrisFlyer miles earned.
- Enjoy S$20 rebate on your KrisShop purchases with a minimum spend of S$120 nett in a single transaction.
- Get rewarded 10,000 KrisFlyer miles when you renew your annual card membership.
- Scoot exclusive benefits: Priority check-in and boarding, more baggage allowance, seat selection and booking flexibility waiver.
- Complimentary travel insurance of up to S$500,000.
- No conversion fees.
- More miles with every spend.
- Uncapped 3 mpd on SIA and Scoot tickets, Kris+, dining, food delivery, online shopping & travel, and transport.
- Periodic discounts on KrisFlyer Experiences
- Exclusive privileges on Scoot, KrisShop, Grab and more.
- Read our full review of the KrisFlyer UOB Credit Card.
- Min. annual spend of S$800 on Singapore Airlines Group to qualify for 3 KrisFlyer miles per S$1 earn rate.
- Bonus miles earned from dining, food delivery, online shopping, travel, transport are only awarded within 2 months after the card membership year.
Gift Options
- Promotion is valid for new-to-UOB credit cardmembers only
- Apply and make a min. spend of S$2,000 within 60 days of card approval to be eligible for rewards
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee: From 3 %
UOB PRVI Miles Visa Card
Valid until
31 March 2024
Valid until
31 March 2024
- Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
- 2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
- Earn miles when you pay your monthly bills, rent, taxes and even a one-off large purchase with your UOB PRVI Miles Card via UOB PRVI Miles Payment Facility.
- No minimum spend and cap on miles earned at all times.
- Complimentary travel insurance of up to S$500,000.
- Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
- 20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
- Annual fee of S$259.20
Gift Options
- Promotion is valid for new-to-UOB credit card members only
- To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
- To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
- Promotion is valid until 31 March 2024
- Terms and Conditions apply.
Gift Options
- Promotion is valid for new-to-UOB credit card members only
- To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 30 April 2024
- SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
- To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee: From 3 %
UOB PRVI Miles World MasterCard
Valid until
31 March 2024
Valid until
31 March 2024
- Earn 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda.
- 2.4 miles for every S$1 spent overseas, 1.4 miles for every S$1 spent locally.
- No minimum spend and cap on miles earned at all times.
- Complimentary travel insurance of up to S$500,000.
- Earn up to 6 bonus KrisFlyer miles for every S$1 spent if you also apply for a new KrisFlyer UOB Account.
- Read our full review of the UOB PRVI Miles Credit Card.
- 20,000 loyalty miles reward for min. annual spend of S$50,000 is only available for the AMEX card.
- Annual fee of S$259.20.
Gift Options
- Promotion is valid for new-to-UOB credit card members only
- To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
- To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
- Promotion is valid until 31 March 2024
- Terms and Conditions apply.
Gift Options
- Promotion is valid for new-to-UOB credit card members only
- To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 30 April 2024
- SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
- To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee: From 3 %
UOB PRVI Miles American Express Card
Valid until
31 March 2024
Valid until
31 March 2024
- Earn 8% cashback on dining, etc.
- 6 miles per S$1 spend (UNI$15 per S$5 spend) on major airlines and hotels through Expedia, agoda and UOB Travel.
- 1.4 miles per S$1 on local spend (UNI$3.5 per S$5 spend).
- 2.4 miles per S$1 on overseas spend (UNI$6 per S$5 spend), including online shopping and overseas websites.
- Choice to redeem for miles, cashback, or vouchers.
- Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.
- Get 20,000 loyalty miles with a minimum spend of S$50,000 in a year.
- Complimentary airport transfers to Changi Airport.
- 1.4 mpd on SimplyGo and public transport rides for UOB PRVI Mastercard and Visa only.
- No airport lounge access.
- 2 year points expiry.
Gift Options
- Promotion is valid for new-to-UOB credit card members only
- To receive 25,200 miles, be the first 50 new-to-UOB credit card members who apply with first-year annual fee waiver and spend at least S$1,000 per month for 2 consecutive months from card approval date.
- To receive an additional 4,800 miles (for up to 30,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
- Promotion is valid until 31 March 2024
- Terms and Conditions apply.
Gift Options
- Promotion is valid for new-to-UOB credit card members only
- To receive 45,200 miles, spend at least S$1,000 per month for 2 consecutive months, pay the 1st year annual fee (S$261.60 incl. GST) and complete SMS registration by 30 April 2024
- SMS PMAF <space> last 4 alphanumeric characters of NRIC/passport registered with UOB to 77862
- To receive an additional 4,800 miles (for up to 50,000 total miles), make a min. overseas spend of S$1,000 per month for 2 consecutive months from card approval date
- Promotion is valid until 31 March 2024
- Terms and Conditions apply
-
Installment Processing Fee: From 3 %
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 31 March 2024. T&Cs apply.
Alternatively, get up to 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 31 March 2024. T&Cs apply.
For UOB One Card: Receive S$350 Cash Credit 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 31 March. 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.
For UOB Lady's, UOB EVOL and UOB Absolute Cashback Card: Get S$350 Cash Credit 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 31 March 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.
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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
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 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.
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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$0 conversion fees as your earned miles are credited to your KrisFlyer account automatically.
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UOB PRVI Miles Visa Card
The UOB PRVI Miles Card is a versatile credit card that lets you earn miles on both local and overseas spend. Depending on which payment network you choose, you'll get to enjoy several exclusive travel and lifestyle benefits such as complimentary travel insurance and airport transfers.
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UOB PRVI Miles Mastercard
The UOB PRVI Miles Card is a versatile credit card that lets you earn miles on both local and overseas spend. Depending on which payment network you choose, you'll get to enjoy several exclusive travel and lifestyle benefits such as complimentary travel insurance and airport transfers.
UOB PRVI Miles AMEX Card
The UOB PRVI Miles Card is a versatile credit card that lets you earn miles on both local and overseas spend. Depending on which payment network you choose, you'll get to enjoy several exclusive travel and lifestyle benefits such as complimentary travel insurance and airport transfers.
Benefits of Using UOB Credit Cards
UOB Island of Rewards Programme
Island of Rewards is a programme by UOB that allows credit cardholders to instantly redeem their UOB rewards points (UNI$) 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.
Other UOB articles you might be interested in
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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.