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.

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Card benefit

Up to % cashback

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1.7% cashback on all eligible spend with no min. spend and no cap.

Annual Fee

S$ 196.2

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First Year Waived

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

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Highlights

Card benefit

Up to % cashback

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1.7% cashback on all eligible spend with no min. spend and no cap.

Annual Fee

S$ 196.2

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First Year Waived

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

2 Offers Available

SingSaver Flash Deal

Stryv Airflex 2.0 (worth S$369)

SingSaver Flash Deal promotion runs from 15 September to 30 September 2025.
Promotion is valid for new-to-UOB credit card members only.
Be one of the first 80 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards within the flash deal period and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
- If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
- Remaining applicants will receive regular SingSaver Exclusive Offer reward.
Promotion is not stackable with other welcome offers from UOB.
Terms and Conditions apply.

SingSaver Flash Deal

S$60 Cash via PayNow

SingSaver Flash Deal promotion runs from 15 September to 30 September 2025.
Promotion is valid for new-to-UOB credit card members only.
Be one of the first 80 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards within the flash deal period and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
- If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
- Remaining applicants will receive regular SingSaver Exclusive Offer reward.
Promotion is not stackable with other welcome offers from UOB.
Terms and Conditions apply.

SingSaver Flash Deal

S$70 Shopee Voucher

SingSaver Flash Deal promotion runs from 15 September to 30 September 2025.
Promotion is valid for new-to-UOB credit card members only.
Be one of the first 80 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards within the flash deal period and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
- If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
- Remaining applicants will receive regular SingSaver Exclusive Offer reward.
Promotion is not stackable with other welcome offers from UOB.
Terms and Conditions apply.

Welcome Offer

10% Cashback

Welcome Offer promotion is valid until 30 September 2025.
Promotion is valid for new-to-UOB credit cardmembers only.
Successfully apply for the UOB Absolute Cashback Card during the promo period to be eligible for reward.
10% cashback applies to all eligible transactions charged to your UOB Absolute Cashback Card during your card approval calendar month and the following calendar month.
Total bonus cashback is capped at S$250.
Terms and Conditions apply

Things to consider when choosing this card:

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 %

shopping_cart

Cashback Supermarket

1.7 %

local_gas_station

Cashback Petrol

1.7 %

sell

Cashback Retail

1.7 %

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Cashback Local Online Shopping

1.7 %

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Cashback Overseas Online Shopping

1.7 %

health_and_safety

Cashback Health

1.7 %

domain

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

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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First Year Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Repayment

Minimum Payment

3 %

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3% of current balance or S$50, whichever is higher, plus any overdue amounts.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

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

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

Click “Apply Now” on this page
Complete the UOB online application form
Upload NRIC and income documents
Wait for approval (typically 1–2 weeks)
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.

Spend category	Rewards earned
S$1 Local Spend	1.7% cashback
S$1 Overseas Spend	1.7% cashback
Maximum Cashback	Unlimited

UOB Absolute Cashback Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

Tags

UOB Absolute Cashback Card

SingSaver’s offer

Welcome offer comparison

UOB Absolute Cashback Card at a glance

Air miles

Overseas spending

Travel

Petrol

Annual interest rate and fees

Minimum income requirements

Why apply for the UOB Absolute Cashback Card

Perks and benefits

Additional benefits

Everyday value

SingSaver’s take

Pros & cons

Card comparison

Application process

Frequently asked questions about the UOB Absolute Cashback Card

Is the cashback really unlimited?

Does it cover insurance payments?

When is cashback credited?

Can I use this card overseas?

Is there a first-year fee waiver?

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