UOB Absolute Cashback Card

UOB Absolute Cashback Card

The UOB Absolute Cashback Card is a fuss-free unlimited cashback credit card that lets you earn 1.7% limitless cashback with no spend exclusions or minimum spend. If you're paying for insurance, school fees, health care or rental, the UOB Absolute Cashback Card is definitely a handy card to have to earn cashback on these categories.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
Up to  % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
None
Minimum Annual Income
S$ 30,000
Offer Available
Up to S$120 Cash via PayNow
SingSaver Exclusive Offer
Up to S$120 Cash via PayNow
  • SingSaver Exclusive Offer promotion runs from 1 December 2025 to 31 December 2025.
    • Grab Voucher option available from 10 December 2025 onwards.
  • Promotion is valid for new-to-UOB credit cardmembers only.
  • Apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval to be eligible for reward.
    • S$120 Cash via PayNow reward is limited to the first 300 redemptions from eligible applicants every week. Remaining applicants will instead receive S$80 Cash via PayNow.
    • S$130 Grab Voucher reward is limited to the first 300 redemptions from eligible applicants every week. Remaining applicants will instead receive S$85 Grab Voucher.
  • Promotion is stackable with other welcome offers from UOB where indicated (additional T&Cs apply).
  • Terms and Conditions apply.
Up to S$130 Grab Vouchers
SingSaver Exclusive Offer
Up to S$130 Grab Vouchers
  • SingSaver Exclusive Offer promotion runs from 1 December 2025 to 31 December 2025.
    • Grab Voucher option available from 10 December 2025 onwards.
  • Promotion is valid for new-to-UOB credit cardmembers only.
  • Apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval to be eligible for reward.
    • S$120 Cash via PayNow reward is limited to the first 300 redemptions from eligible applicants every week. Remaining applicants will instead receive S$80 Cash via PayNow.
    • S$130 Grab Voucher reward is limited to the first 300 redemptions from eligible applicants every week. Remaining applicants will instead receive S$85 Grab Voucher.
  • Promotion is stackable with other welcome offers from UOB where indicated (additional T&Cs apply).
  • Terms and Conditions apply.

Things to consider

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No rebate cap

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No monthly spend required

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Insurance rebate

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Local spending rebate

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Benefits

Cashback

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Cashback Base Rate
1.7  %
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Cashback Local
Up to 1.7  %
flight
Cashback Overseas
Up to 1.7  %
luggage
Cashback Travel
1.7  %
restaurant
Cashback Dining
1.7  %
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Cashback Supermarket
1.7  %
local_gas_station
Cashback Petrol
1.7  %
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Cashback Retail
1.7  %
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Cashback Local Online Shopping
1.7  %
shopping_bag
Cashback Overseas Online Shopping
1.7  %
health_and_safety
Cashback Health
1.7  %
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Cashback Department Store
1.7  %
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Cashback Digital Wallet
1.7  %
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Cashback Insurance
1.7  %
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Cashback Online Bill Payment Spending
1.7  %
contactless
Cashback Contactless Spend
1.7  %
commute
Cashback Transport
1.7  %
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Quick Facts

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1.7% cashback on all your purchases including travel, home furnishings, weddings, luxury purchases and more.

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0.3% cashback on local transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab wallet top-ups.

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No minimum spend.

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No cashback cap.

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Cashback earned in current statement period is automatically used to offset the following month's bill.

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Mobile contactless payment methods not supported.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
None
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.8  %
Interest on Cash Advance
28.5  %
Interest Free Period
21  days
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Others

Association

American Express

Supported Payment Type

Google Pay

Samsung Pay

NETSPay

Tags

UOB Absolute Cashback Card UOB Absolute Cashback Card

UOB Absolute Cashback Card


The UOB Absolute Cashback Card is ideal for high spenders, big-ticket shoppers, and anyone who wants hassle-free cashback without tracking categories. 

It allows you to earn unlimited 1.7% cashback on all eligible transactions, both locally and overseas.

Additionally, it offers automatic cashback crediting, works with a wide range of merchants (including insurance and education), and has no minimum spend requirement.

Spend category

Rewards earned

S$1 Local Spend

1.7% cashback

S$1 Overseas Spend

1.7% cashback

Maximum Cashback

Unlimited

 

SingSaver’s offer

Apply and get approved for the UOB Absolute Cashback Card and make a minimum spend of S$500 within 30 days of card approval to be eligible for up to S$670 in total value:

  • Exclusive offer:
    • S$60 cash via PayNow; or
    • S$70 Grab voucher
  • Flash deal:
    • Apple AirPods Pro (2nd Gen) worth S$349; or
    • Samsonite Straren Spinner 67/24 worth S$600; or
    • S$300 cash via PayNow

*SingSaver Exclusive Offer promotion is valid until 31 August 2025.

*Promotion is valid for new-to-UOB credit card members only.

Welcome offer comparison
 

Platform

Maximum reward

SingSaver

Up to S$670 in value (cash, vouchers, or gifts)

UOB Website

10% cashback on eligible transactions (capped at S$250)


Best offer: SingSaver’s promotion offers the highest combined value, especially for those who can meet the spend requirement quickly and want both cashback and premium gifts.

 

UOB Absolute Cashback Card at a glance

Air miles

5/5 Stars

  • Unlimited 1.7% cashback on all spend
  • No category restrictions or exclusions for most spend types
  • Automatic crediting to your statement

Overseas spending

3.5/5 Stars

  • Same 1.7% cashback rate on foreign currency spend
  • Useful for overseas trips and online foreign purchases

Travel

2/5 Stars

  • No travel perks or insurance benefits
  • Best for earning cashback on travel bookings rather than miles
Bill payment

4/5 Stars

  • Cashback applies to many payment categories, including insurance, school fees, and utilities
  • Bill payments via AXS/SAM are included

Petrol

3/5 Stars

  • Earn cashback at petrol stations without needing a tie-up brand
  • May not beat dedicated petrol cards for discounts

Annual interest rate and fees

  • Annual principal fee: S$196.20 (inclusive of GST)
  • Supplementary annual fee: Free
  • Fee waiver: 1-year waiver for principal card
  • Interest-free period: 21 days
  • Annual interest rate: 27.8% p.a.
  • Late payment fees: S$100
  • Minimum monthly repayment: 3% or S$50, whichever is higher
  • Foreign currency transaction fee: 3.25%
  • Cash advance transaction fee: 6% or S$15, whichever is higher
  • Overlimit fee: S$40

Minimum income requirements

  • Singaporean/PR minimum income (55 years old and below): S$30,000
  • Singaporean/PR minimum income (56 years old and above): S$15,000
  • Fixed Deposit collateral of minimum S$10,000
  • Non-Singaporean minimum income: S$40,000
  • Fixed Deposit collateral of minimum S$10,000

 

Why apply for the UOB Absolute Cashback Card

Perks and benefits

  • Unlimited 1.7% cashback on all spend
  • Cashback applies to many non-traditional categories like insurance and education
  • No minimum spend required to earn rewards

Additional benefits

  • First-year annual fee waiver
  • Automatic cashback crediting to reduce your statement balance
  • Wide merchant acceptance

Everyday value

  • Perfect for big-ticket purchases, recurring bills, and non-bonus spend categories
  • Reliable earn rate for those who don’t want to track spending categories

SingSaver’s take

The UOB Absolute Cashback Card is a straightforward, high-value option for those who prefer cashback over miles and don’t want to juggle multiple cards for different categories. While it lacks travel perks, its unlimited cashback potential and generous SingSaver welcome offer make it a strong choice for everyday use and large purchases.

Pros & cons

 

Pros Cons
  • Unlimited cashback with no cap
  • No minimum spend requirement
  • Works with a wide range of merchant categories
  • High-value welcome offer via SingSaver
  • Annual fee after first year
  • No travel or lounge benefits

 

Card comparison

Card

Miles/Rewards

Annual fee (principal)

Other perks

UOB Absolute Cashback Card

1.7% unlimited cashback

S$196.20 (1-year waiver)

Cashback on broad categories including insurance

Citi Cash Back+ Card

1.6% unlimited cashback, up to 3.25% cashback on qualifying FCY

S$196.20 (1-year waiver)

Automatic cashback crediting

HSBC Advance Credit Card

1.5% with no minimum spend, 2.5% when you spend above S$2,000

S$194.40 (1-year waiver)

Higher earn rate with monthly spend requirement

 

The UOB Absolute Cashback Card is one of the few cards in Singapore offering unlimited cashback with no minimum spend and broad merchant eligibility.

 

Application process

  1. Click “Apply Now” on this page
  2. Complete the UOB online application form
  3. Upload NRIC and income documents
  4. Wait for approval (typically 1–2 weeks)
  5. Meet the minimum spend of S$500 within 30 days of card approval to be eligible for the reward

 

Frequently asked questions about the UOB Absolute Cashback Card

Is the cashback really unlimited?

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Yes, you can earn unlimited cashback at the flat 1.7% rate with no cap.

Does it cover insurance payments?

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Yes, insurance payments generally qualify, making it a popular choice for this category.

When is cashback credited?

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Cashback is automatically credited to your statement each month.

Can I use this card overseas?

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Yes, it earns 1.7% cashback on all foreign currency transactions (FX fee applies).

Is there a first-year fee waiver?

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Yes, the annual fee is waived for the first year.

Related pages

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.