Best UOB Credit Cards in Singapore 2025

Updated: 2 Jul 2025

UOB credit cards offer a wide range of benefits, including cashback rewards, competitive interest rates, and no annual fees. They also provide unique features such as contactless payments and insurance benefits such as travel insurance and purchase protection. With a focus on innovation, convenience, and customer satisfaction, UOB credit cards are a reliable and rewarding choice for consumers.
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Card
Hot Reward Pick
SingSaver Reward
Card benefit
Min. Annual Income
Annual Fee
UOB Lady's Card
UOB Lady's Card
-
-
0.4 - 10 miles per dollar
S$30,000
S$196.20
UOB One Card
UOB One Card
-
S$350
3.33 - 10 % cashback
S$30,000
S$196.20
UOB EVOL Card
UOB EVOL Card
S$120
0.3 - 10 % cashback
S$30,000
S$196.20
UOB Absolute Cashback Card
UOB Absolute Cashback Card
-
-
Up to 1.7 % cashback
S$30,000
S$196.20
KrisFlyer UOB Credit Card
KrisFlyer UOB Credit Card
-
-
1.2 - 3miles / dollar
S$30,000
S$196.20
UOB PRVI Miles Visa Card
UOB PRVI Miles Visa Card
-
-
1.4 - 8miles / dollar
S$30,000
S$261.60
UOB PRVI Miles World MasterCard
UOB PRVI Miles World MasterCard
-
-
1.4 - 8miles / dollar
S$30,000
S$261.60
UOB PRVI Miles American Express Card
UOB PRVI Miles American Express Card
-
-
1.4 - 8miles / dollar
S$30,000
S$261.60

Show All Cards (13)

UOB Lady's Solitaire Card
UOB Preferred Platinum Visa Card
UOB UnionPay Platinum Card
UOB Visa Signature Card
UOB Visa Infinite Metal Card

Best UOB miles cards for local spends

UOB Lady’s Card

Airmiles Local
Up to 10 miles per dollar
Airmiles Bonus Cap
S$ 1000
Rewards Bonus Cap
S$ 1000 per month
Min. Annual Income
S$ 30000

SingSaver's take

Card details

Singsaver’s take

The UOB Lady's Credit Card caters to women in Singapore seeking lifestyle-aligned rewards. Ideal for moderate spenders and miles enthusiasts, it offers customisation and maximises everyday spending, with an option to boost rewards by pairing it with a UOB Lady's Savings Account.

Pros

  • The card offers up to 10 miles per dollar on your chosen quarterly spending category, complemented by 0% interest plans, exclusive discounts, and travel perks.

Cons

  • The card’s high miles earn is capped at S$1,000 monthly, and a S$25 redemption fee applies. The annual fee is also waived only for the first year.

KrisFlyer UOB Credit Card

Airmiles Local
3 miles / dollar
Airmiles Overseas
3 miles / dollar
Min. Annual Income
S$ 30000

SingSaver's take

Card details

Singsaver’s take

For frequent Singapore Airlines and Scoot flyers, the KrisFlyer UOB Credit Card offers significant advantages, making it ideal for those deeply engaged with the SIA ecosystem.

Pros

  • This card rewards Singapore Airlines and Scoot users with up to 3 mpd on their flights and purchases (1.2 mpd elsewhere), plus a sign-up bonus, renewal miles, automatic crediting, Grab airport transfers, and a waived first-year fee.

Cons

  • The higher 3 mpd on everyday spending is contingent on an S$800 annual spend with SIA, Scoot, or KrisShop. There are also significant late payment charges and high interest rates for balances and cash withdrawals.

UOB Preferred Platinum Visa Card

Airmiles Local
Up to 4 miles / dollar
Airmiles Bonus Cap
4440 miles / month
Rewards Bonus Cap
UNI$ 2000 / month
Min. Annual Income
S$ 30000

SingSaver's take

Card details

Singsaver’s take

This card targets individuals who frequently use mobile contactless payments for everyday and online spending. It's also beneficial for public transport users via SimplyGo.

Pros

  • The card offers a solid 4 miles per dollar on popular categories like online shopping, mobile contactless payments, and entertainment. Notably, even bus and MRT rides through SimplyGo earn rewards.

Cons

  • The 4 mpd bonus is capped at a monthly spend of S$1,110. Also, tapping the physical card won't earn the bonus miles; you need to use mobile contactless payment methods.

UOB Lady’s Solitaire Card

Airmiles Local
4 miles per dollar
Airmiles Bonus Cap
8000 miles / month
Rewards Bonus Cap
S$ 5600 / month
Min. Annual Income
S$ 120000

SingSaver's take

Card details

Singsaver’s take

The UOB Lady’s Solitaire Card targets high-earning women in Singapore (minimum S$120,000 income) who desire tailored, high rewards on their lifestyle spending. Linked with a UOB Lady's Savings Account, it allows users to pick two quarterly bonus categories (like dining, travel, fashion) for up to 10 mpd, alongside features such as 0% interest on luxury items.

Pros

  • The UOB Lady's Solitaire Card provides the potential to earn up to 10 miles per dollar on two chosen rewards categories, offering flexibility to align rewards with spending habits through quarterly category changes. Additionally, the 0% interest payment plans on luxury purchases can be a valuable benefit for managing larger expenses.

Cons

  • The high minimum annual income requirement of S$120,000 limits the accessibility of the card. The bonus miles earning is also capped at a monthly spend of S$2,000, which might not be ideal for very high spenders in the chosen categories.

Best UOB miles cards for overseas spends

UOB Lady’s Card

Min. Annual Income
S$ 30000
Foreign Currency Transaction Fee
3.25 %

SingSaver's take

Card details

Singsaver’s take

The UOB Lady's Credit Card caters to women in Singapore seeking lifestyle-aligned rewards. Ideal for moderate spenders and miles enthusiasts, it offers customisation and maximises everyday spending, with an option to boost rewards by pairing it with a UOB Lady's Savings Account.

Pros

  • The card offers up to 10 miles per dollar on your chosen quarterly spending category, complemented by 0% interest plans, exclusive discounts, and travel perks.

Cons

  • The card’s high miles earn is capped at S$1,000 monthly, and a S$25 redemption fee applies. The annual fee is also waived only for the first year.

UOB PRVI Miles Visa Card

Min. Annual Income
S$ 30000
Foreign Currency Transaction Fee
3.25 %

SingSaver's take

Card details

Singsaver’s take

The UOB PRVI Miles Visa Card offers high miles earn on overseas spending (up to 3 mpd) and travel bookings via Agoda/Expedia (up to 8 mpd).  Exclusive perks for Visa cardholders cater to individuals seeking discounts when booking accommodation. With 1.4 mpd on local spend and flexible redemption options (miles, cashback, vouchers), it suits both travel enthusiasts and everyday spenders. 

Pros

  • The UOB PRVI Miles Visa Card allows you to earn high miles on travel (up to 8 mpd on Agoda/Expedia, 3 mpd overseas) and a decent 1.4 mpd locally, plus enjoy 4 free lounge visits and travel insurance. The Visa card stands out from its AMEX and Mastercard versions with discounts when booking IHG hotels.

Cons

  • The card charges a 3.25% foreign transaction fee and S$25 for miles conversion. In addition, it has relatively high interest rates on purchases and cash advances, plus fees for cash withdrawals and late payments.

UOB PRVI Miles American Express Card

Min. Annual Income
S$ 30000
Foreign Currency Transaction Fee
3.25 %

SingSaver's take

Card details

Singsaver’s take

The UOB PRVI Miles American Express Card offers high miles earn on overseas spending (up to 3 mpd) and travel bookings via Agoda/Expedia (up to 8 mpd). Exclusive perks for AMEX cardholders cater to individuals seeking a more luxurious experience and rewards beyond just miles. With 1.4 mpd on local spend and flexible redemption options (miles, cashback, vouchers), it suits both travel enthusiasts and everyday spenders. 

Pros

  • The UOB PRVI Miles American Express Card allows you to earn high miles on travel (up to 8 mpd on Agoda/Expedia, 3 mpd overseas) and a decent 1.4 mpd locally, plus enjoy 4 free lounge visits and travel insurance. The AMEX card stands out from its Visa and Mastercard versions with exclusive perks: 20,000 loyalty miles, complimentary airport transfers, and a Mr & Mrs Smith Silversmith membership.

Cons

  • The card charges a 3.25% foreign transaction fee and S$25 for miles conversion. In addition, it has relatively high interest rates on purchases and cash advances, plus fees for cash withdrawals and late payments.

UOB PRVI Miles World Mastercard

Min. Annual Income
S$ 30000
Foreign Currency Transaction Fee
3.25 %

SingSaver's take

Card details

Singsaver’s take

The UOB PRVI Miles Visa Card offers high miles earn on overseas spending (up to 3 mpd) and travel bookings via Agoda/Expedia (up to 8 mpd).  Exclusive perks for Mastercard holders cater to individuals seeking peace of mind when making purchases online. With 1.4 mpd on local spend and flexible redemption options (miles, cashback, vouchers), it suits both travel enthusiasts and everyday spenders. 

Pros

  • The UOB PRVI Miles World Mastercard allows you to earn high miles on travel (up to 8 mpd on Agoda/Expedia, 3 mpd overseas) and a decent 1.4 mpd locally, plus enjoy 4 free lounge visits and travel insurance. The Mastercard stands out from its AMEX and Visaversions with complimentary Identity Theft Protection to secure your online shopping transactions.

Cons

  • The card charges a 3.25% foreign transaction fee and S$25 for miles conversion. In addition, it has relatively high interest rates on purchases and cash advances, plus fees for cash withdrawals and late payments.

UOB Lady’s Solitaire Card

Min. Annual Income
S$ 120000
Foreign Currency Transaction Fee
3.25 %

SingSaver's take

Card details

Singsaver’s take

The UOB Lady’s Solitaire Card targets high-earning women in Singapore (minimum S$120,000 income) who desire tailored, high rewards on their lifestyle spending. Linked with a UOB Lady's Savings Account, it allows users to pick two quarterly bonus categories (like dining, travel, fashion) for up to 10 mpd, alongside features such as 0% interest on luxury items.

Pros

  • The UOB Lady's Solitaire Card provides the potential to earn up to 10 miles per dollar on two chosen rewards categories, offering flexibility to align rewards with spending habits through quarterly category changes. Additionally, the 0% interest payment plans on luxury purchases can be a valuable benefit for managing larger expenses.

Cons

  • The high minimum annual income requirement of S$120,000 limits the accessibility of the card. The bonus miles earning is also capped at a monthly spend of S$2,000, which might not be ideal for very high spenders in the chosen categories.

UOB Visa Signature Card

Min. Annual Income
S$ 50000
Foreign Currency Transaction Fee
3.25 %

SingSaver's take

Card details

Singsaver’s take

The UOB Visa Signature Card caters to those who frequently travel or makes overseas transactions, and won’t have a problem hitting the minimum expenditure requirements. It stands out for its versatility, offering the best of both worlds in terms of local and overseas spending as it rewards 4 mpd in both cases.

Pros

  • Earn miles effortlessly through overseas transactions.

  • Earn more bonus miles through contactless spend.

  • Enjoy significant savings on fuel at Shell and SPC.

  • Instant cashback with participating UOB$ merchants.

  • Complimentary travel insurance helps you travel with peace of mind.

Cons

  • S$1,000 monthly minimum spend

  • Rewards bonus cap at S$2,000 per month

  • Transactions with UOB$ merchants don’t rewards UNI$.

Best UOB cashback credit cards

UOB One Card

Cashback Local
Up to 10 %
Annual Fee
S$ 196.20
Minimum Spend For Installment
S$ 500

Bank Gift - On Top of SingSaver's

SingSaver's take

Card details

Singsaver’s take

The UOB One Card targets individuals with consistent monthly spending (at least S$500) across everyday categories like groceries, petrol, online shopping, and dining, offering cashback on these expenses. New UOB cardholders can also benefit from temporary enhanced cashback rates on select merchants.

Pros

  • 3.33% cashback on most retail spend, with new UOB cardmembers enjoying up to 20% cashback on select merchants. Up to 24% savings at SPC, and an additional cashback on Singapore Power utility bills.

Cons

  • High S$2,000 monthly spend (5 purchases min.) needed for maximum cashback. Enhanced rates are temporary for new users. Cashback is quarterly and lost upon card termination, and there’s a limit on the total annual cashback.

UOB Absolute Cashback Card

Cashback Local
Up to 1.7 %
Annual Fee
S$ 196.20
Minimum Spend For Installment
S$ 500

Bank Gift - On Top of SingSaver's

SingSaver's take

Card details

Singsaver’s take

The UOB Absolute Cashback Card suits individuals seeking simple, consistent rewards with a flat 1.7% cashback on almost all spending, regardless of amount. This appeals to those who dislike minimum spends and caps, and want predictable rewards across diverse categories, including typically excluded ones. The current welcome offer also attracts new UOB customers looking for initial value.

Pros

  • A straightforward 1.7% cashback on almost all eligible spending, with no minimum spend and no cashback cap. This includes traditionally excluded categories and larger purchases, with earned cashback automatically offsetting your next bill.

Cons

  • Mobile contactless payment methods are not supported.

UOB EVOL Card

Cashback Local
Up to 10 %
Annual Fee
S$ 196.20
Minimum Spend For Installment
S$ 500

SingSaver Reward up to S$120

Bank Gift - On Top of SingSaver's

SingSaver's take

Card details

Singsaver’s take

The UOB EVOL Card primarily targets young working adults and those comfortable with digital transactions, as it offers a substantial 10% cashback on online and mobile contactless spending, as well as overseas in-store foreign currency transactions. This cashback is particularly appealing to those who frequently shop online or use mobile payment methods. However, the card requires a minimum monthly spend of S$800 to unlock this higher cashback rate, making it suitable for individuals with moderate monthly expenses.

Pros

  • 10% cashback on online, mobile contactless, and overseas in-store foreign currency spend.

  • Annual fee after the first year is also waived with a minimum of 3 transactions every month.

  • Potential for greater savings with up to 6.0% p.a. interest with a UOB One Account+.

  • Access to over 1,000deals at eco-friendly, dining, and online shopping merchants.

Cons

  • A minimum monthly spend of S$800 is required to earn the 10% cashback.

  • Cashback is capped at S$80 monthly.

  • Only 0.3% cashback on other spend.

Other UOB credit card details

UOB UnionPay Platinum Card

Min. Annual Income
S$ 40000
Annual Fee
S$ 196.20
Minimum Spend For Installment
S$ 500

SingSaver's take

Card details

Singsaver’s take

The UOB UnionPay Platinum Card suits individuals seeking a simple 2% cashback on all local and overseas spending with no minimum spend, especially those who can benefit from UnionPay perks and the current three-year annual fee waiver. However, the S$50 monthly cashback cap is a consideration for higher spenders.

Pros

  • 2% cashback on all spending, local and overseas.

  • No minimum spend required.

  • 3-year annual fee waiver.

  • UnionPay benefits and discounts.

Cons

  • Cashback capped at S$50 per month

  • Minimum annual income requirement is slightly higher than average.

UOB Visa Infinite Metal Card

Min. Annual Income
S$ 120000
Annual Fee
S$ 654.00
Minimum Spend For Installment
S$ 500

SingSaver's take

Card details

Singsaver’s take

The UOB Visa Infinite Metal Card targets affluent frequent international travelers (min. S$120,000 income) who value premium benefits. Its high overseas miles earn (2.4 mpd) and unlimited airport lounge access for two prioritise travel comfort and rewards. Luxury dining perks and comprehensive travel insurance further appeal to this demographic.

Pros

  • This premium card offers a strong 2.4 miles per dollar on overseas spending and 1.4 mpd locally. It also comes with unlimited airport lounge access for yourself and a guest, along with exclusive travel and dining privileges.

Cons

  • It has a high S$120,000 minimum income requirement and a non-waivable annual fee of S$654. Airport limo service is not included.

SingSaver’s picks for the best UOB credit card in Singapore

For the most current information, refer to the official website of the issuing institution.

UOB One Card

Our pick for: Cashbacks

The UOB One Card stands out as the best UOB card for cashback due to its high cashback rates of up to 10% on everyday spending categories. This card offers substantial rewards for regular expenses and has a waived annual fee for the first year, making it an accessible option for those seeking to maximize cashback on their daily transactions. Read our review.

UOB Absolute Cashback Card

Our pick for: Unlimited cashbacks

The UOB Absolute Cashback Card is the best UOB card for unlimited cashback because it offers a flat 1.7% cashback on almost all spending, with no minimum spend and no cashback cap. This makes it unique in the market. It provides a straightforward way to earn cashback on all transactions, including those typically excluded by other cards. Read our review.

UOB EVOL Credit Card

Our pick for: Online and mobile contactless spend

The UOB EVOL Card is the best UOB card for online and mobile contactless spending because it offers a high 10% cashback on these transactions. A key perk is the waived annual fee when you make at least 3 transactions monthly. Read our review.

Krisflyer UOB Credit Card

Our pick for: KrisFlyer miles

The KrisFlyer UOB Credit Card is the best UOB card for KrisFlyer miles, offering a competitive 3 miles per dollar on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases, as well as on everyday spending like dining, online shopping, and transport. A key advantage is that miles are directly credited to your KrisFlyer account, with no transfer fees. It also offers exclusive privileges with Scoot, KrisShop, and Changi Airport. Read our review.

UOB PRVI Miles Credit Card

Our pick for: Booking plane tickets and hotels

The UOB PRVI Miles cards excel for booking plane tickets and hotels, offering up to 8 miles per dollar on Agoda and Expedia bookings. This high earn rate significantly accelerates miles accumulation for travel. All three versions (Visa, Mastercard, and American Express) share this key advantage, making them ideal for travel enthusiasts. Read our review.

UOB Preferred Platinum Card

Our pick for: Online spend

The UOB Preferred Platinum Visa Card is the best UOB card for online spend, as it offers a solid 4 mpd on a wide range of online shopping and entertainment transactions. This high earn rate, coupled with no minimum spend requirement, makes it ideal for maximising rewards on digital purchases. Read our review.

UOB Visa Signature Credit Card

Our pick for: Overseas spend

The UOB Visa Signature Card is the best UOB card for overseas spending because it rewards users with UNI$10 for every S$5 spent, equivalent to 2% cashback, on foreign currency transactions. There is also no cap on the cashback earned. Read our review.

B Lady’s Card / UOB Lady’s Solitaire Card

Our pick for: Miles

The UOB Lady's Card and UOB Lady's Solitaire Card are the best UOB cards for miles because they offer up to 10 miles per dollar on your choice of rewards categories. A key perk is the flexibility to choose and change these categories quarterly to align with your spending habits. Read our review.

Factors to consider before choosing a UOB credit card

With over nine UOB credit cards listed so far, we understand if you are feeling slightly overwhelmed. After all, choosing the right credit card is a commitment nonetheless, and should not be chosen rashly.

That said, we have some tips to help you. Here are some things to consider before selecting a UOB credit card (or any credit card, for that matter):

#1: Annual income requirement

Before applying for any credit card, you need to ensure that you meet the card's minimum annual income requirement. While most credit cards follow the MAS-mandated benchmark starting from S$30,000 per year, you cannot assume that. Some credit cards (see: premium credit cards) demand a much higher annual income requirement.

Among this list itself, we have a few examples. Both the UOB Lady's Solitaire Card and UOB Visa Infinite Metal Card require a minimum of S$120,000 annual income. Also, the income requirements are different for locals and foreigners, so do check respectively.

#2: Annual fee

Speaking of annual income requirements, a credit card's annual fee also abides by a similar “minimum value benchmark” logic. Most credit cards possess an annual fee of S$196.20 (incl. 9% GST) per year. And if you are following our drift, you can probably guess what we are going to mention next.

Exceptions to this S$196.20 standard vary depending on the bank. This is how the annual fees differ for UOB credit cards:

Annual fee

(incl. 9% GST)

Credit card

Annual fee waiver

S$196.20

UOB One, UOB Absolute Cashback, KrisFlyer UOB, UOB Preferred Platinum Visa, UOB Lady's Card, UOB EVOL

✅ First year waived

S$218

UOB Visa Signature

S$261.60

UOB PRVI Miles (Visa, Mastercard, AMEX)

S$414.20

UOB Lady's Solitaire

Free

UOB EVOL

Min. 3 monthly purchases for 12 consecutive months

If you have noticed, UOB pretty much waives the first year's annual fee for most, if not all, of their credit cards. This is a common practice among most banks in Singapore, so actually, a card without an annual fee waiver is technically a minority already. 

And even if you have already waived your card's first year's annual fee, it is said that there are ways to continue waiving them off. Refer to our annual fee waiver guide here to learn how to do so according to banks.

#3: Other eligibility, fees and charges

Every credit card comes with a set of eligibility requirements, fees, and charges. While we have already addressed annual income and annual fees, it is time to look at other eligibility considerations and their definitions:

Eligibility, fees, & charges

What it means

Late payment charge

The fee imposed when you fail to pay your credit card bill on time

Cash advance fee

The minimum amount on your credit card bill that you have to pay

Minimum monthly (re-)payment

The lowest amount you are required to pay to meet your credit card's agreement

Overlimit fee

The fee imposed when you exceed your month's credit limit

Interest on purchases

The charge imposed when you fail to fully pay off your statement balance by the end of the billing cycle in which the purchases were made

Interest on cash advance

The charge imposed when you fail to fully pay off your statement balance by the end of the billing cycle in which the cash advance was made

Foreign transaction fee

The fee imposed by the card issuer & payment processor network (e.g. Visa, Mastercard, AMEX) whenever an overseas transaction is charged to your credit card

Dynamic currency conversion fee (DCC)

The fee imposed when paying a transaction in your card's local currency (e.g. SGD) rather than in foreign currency (the destination's currency, e.g. AUD, KRW, etc.)

Minimum age

You usually need to be at least 21 years old (and employed by a company) to apply for credit cards.

#4: Cashback or miles?

These should be rather self-explanatory but you need to ask yourself: are you a cashback enthusiast or a miles chaser? Based on which rebate you value more, you can then narrow down to which UOB credit card within the type is best for you.

💡 Pro-tip: Rewards credit cards and miles credit cards are usually synonymous with each other, except for travel credit cards. Those are miles-earning cards unless stated otherwise.

How to apply for a UOB credit card via SingSaver?

To apply for your desired UOB credit card, simply click any of the “Apply Now” buttons in this article and complete the application form on our SingSaver site via Singpass MyInfo. 

If you do not possess a Singpass account, you will need to prepare the relevant documents separately. Refer to each credit card's respective webpage to learn more about which documents are needed accordingly.

Types of UOB rewards

UOB UNI$ rewards points

With UOB, rewards come in the form of UNI$, earned on eligible transactions with selected credit cards. These points go beyond everyday spending: you can rack them up through sign-up promotions, spending at participating merchants, or within specific categories.

For every S$5 spent, UNI$ are credited to your account, which explains why the points earned might slightly differ from your expectations. Versatile and rewarding, UNI$ can be redeemed for air miles, offers and vouchers, or cash credits, making them a handy perk to offset expenses or indulge in little luxuries

UOB PRVI air miles

You can enjoy UOB PRVI air miles if you have a UOB PRVI Miles credit card. Local spending brings you 3.5 UNI$ for every S$5 spent, which works out to 1.4 miles per S$1, while overseas and foreign currency transactions earn 6 UNI$ for every S$5, or 2.4 miles per S$1. Everyday purchases, whether at home or abroad, will effortlessly add to your growing pool of rewards.

These UNI$ can then be converted into air miles with programmes like KrisFlyer or Asia Miles, giving you the flexibility to redeem flights, upgrades, and other travel perks.

UOB$ (formerly SMART$) cash rebates

UOB’s revamped UOB$ programme (formerly SMART$) offers instant credit card cashback rewards, giving cardholders more ways to save on everyday spending. 

With every UOB card transaction at over 950 participating merchants, you can earn up to 10% cashback on in-store purchases. The best part? Your earned UOB$ is automatically applied to offset your next bill at the same merchant.

Cashback

Cashback from UOB credit cards provides a straightforward way to save money on your everyday spending. Depending on the card, you can earn a percentage of your spending back as cash rebates, which are automatically credited to your account or used to offset your bills. 

From 1st November 2024, UOB cardholders can now earn both UOB$ cashback and UNI$ rewards or air miles when shopping at UOB$ merchants. 

For example, a purchase at Toast Box now earns 3% UOB$ cashback (or 6% on Fridays) along with 4 mpd if you use the UOB Preferred Platinum Visa or UOB Lady’s Card (with Dining as a bonus category). This update makes spending at UOB$ merchants more rewarding than ever, reversing the previous trend of avoiding them.

Methodology

Frequently asked questions about UOB credit cards

    Which UOB credit card has no minimum spend?

    Can I get instant approval for UOB credit cards?

    Which UOB credit cards have no annual fee?