UOB Absolute Cashback Card
Offers
SingSaver Reward up to S$899
- S$400 Cash via PayNow
- Dyson Airstrait™ straightener (worth S$799)
- S$95 Cash via PayNow
- SingSaver Flash Deal promotion is valid from 1 August 2026 to 31 August 2026.
- Promotion is valid for new-to-UOB credit cardmembers only.
- Be one of the first 3 applicants at 2 PM every day during the flash deal period to 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 the Flash Deal reward:
- S$400 Cash via PayNow; or a
- Dyson Airstrait hair straightener (worth S$799).
- Remaining applicants will receive S$95 Cash via PayNow.
- Promotion is stackable with UOB Welcome Offer (additional T&Cs apply).
- Terms and Conditions apply
- S$100 Samsung Voucher
- Welcome Offer promotion is valid from 1 July 2026 to 30 September 2026.
- Promotion is valid for new-to-UOB credit card customers only.
- Successfully apply to be the principal cardholder for select UOB Credit Cards within the promo period and spend a min. of S$1,000 within 30 days of card approval to be eligible for S$100 Samsung Voucher reward.
- Plus, receive a 10% discount when you use your UOB Credit Card on Samsung Singapore transactions via the Samsung online store with min. spend of S$1,000.
- Samsung reserves the right to amend or withdraw the discount promotion without prior notice.
- Plus, receive a 10% discount when you use your UOB Credit Card on Samsung Singapore transactions via the Samsung online store with min. spend of S$1,000.
- Terms and Conditions apply.
Highlights
SingSaver's Take
Things to Consider
Benefits
Fees & Charges
Eligibility
Pros & cons
Pros
Unlimited cashback with no cap
No minimum spend requirement
Works with a wide range of merchant categories
High-value welcome offer via SingSaver
Cons
Annual fee after first year
No travel or lounge benefits
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.
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
Yes, you can earn unlimited cashback at the flat 1.7% rate with no cap.
Yes, insurance payments generally qualify, making it a popular choice for this category.
Cashback is automatically credited to your statement each month.
Yes, it earns 1.7% cashback on all foreign currency transactions (FX fee applies).
Yes, the annual fee is waived for the first year.
Related pages
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