UOB EVOL Card

UOB EVOL Card

Targeted at those new to the workforce, the UOB EVOL Credit Card is a reliable cashback card to own for online, mobile contactless and overseas spend. It allows cardholders to earn up to 10% cashback with no FX fees and its annual fee will be waived as long as you make 3 transactions monthly. A minimum monthly spend of S$800 is required to earn the 10% cashback, which is capped at S$80 per month. Pair it with the UOB One account to enjoy up to 5.3% p.a. interest on your savings.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
S$ 800
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Minimum Annual Income
S$ 30,000
Offer Available
Limited-Edition The Paper Bunny Multi-Way Tote Bag
Welcome Offer
Limited-Edition The Paper Bunny Multi-Way Tote Bag
  • Welcome Offer promotion is valid until 31 October 2025.
  • Promotion is valid for new-to-UOB credit card customers only.
  • Be one of the first 250 customers each month (500 winners total) to apply and get approved for the UOB EVOL Card, register for the promo via SMS, and make a min. spend of S$500 per month for 2 consecutive months from card approval date to be eligible for reward.
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply.

Things to consider

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Online shopping rebate

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Mobile contactless rebate

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No FX fees

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Overseas in-store FX spend rebate

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Monthly spend required

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Benefits

Cashback

Cashback Online and Mobile Contactless Spend
10  %
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Cashback Local
Up to 10  %
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Cashback Base Rate
0.3  %
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Cashback Overseas
1  %
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restaurant
Cashback Dining
10  %
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Cashback Supermarket
10  %
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Cashback Retail
10  %
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Cashback Local Online Shopping
10  %
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Cashback Overseas Online Shopping
Up to 10  %
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Cashback Health
10  %
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Cashback Department Store
10  %
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Cashback Digital Wallet
10  %
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commute
Cashback Transport
0.3  %
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Quick Facts

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Enjoy no FX fees on overseas foreign currency spend with no min. spend.

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Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend

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10% on Selected Gym, Telco and Streaming Spend

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Get 1% cashback on all Overseas Foreign Currency Spend. Valid till 31 Dec 2025.

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All other spends earn 0.3% cashback.

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

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Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.

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Get greater savings with up to 5.3% p.a. interest with UOB One Account+.

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Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.

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S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend. Plus, additional $20 cap on the 1% cashback on all Overseas Foreign Currency Spend till 31 Dec 2025.

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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
S$ 800
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
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Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
0  %
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

VISA Signature

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Tags

UOB EVOL Card UOB EVOL Card

UOB EVOL Card


The UOB EVOL Card is ideal for digital-savvy spenders who want high cashback on online and mobile contactless payments, plus eco-friendly perks.

It allows you to earn 10% cashback on local spend and 0% FX fees on overseas spend.

Additionally, you’ll enjoy up to S$500,000 complimentary personal accident coverage and up to S$50,000 emergency medical assistance, evacuation & repatriation coverage (arising from accident, illness, or COVID-19).

Spend category Rewards earned
Local spend 10% cashback
Foreign currency spend 0% FX fees
Min. spend for 10% cashback S$800

 

SingSaver’s Offer


Welcome offer comparison

Provider Offer
SingSaver <insert offers/rewards>
UOB Website Up to S$350 cash credit
Other Platforms Get a LOJEL Voja small cabin luggage or S$100 cash

 

Best offer: The SingSaver promotion delivers the highest value, while gift seekers may prefer the LOJEL luggage option.


UOB EVOL Card at a glance


Overseas spending
5/5 Stars

  • 0% FX Fees on overseas spending, with no min. spend
  • 1% cashback on all overseas spending


Cashback
5/5 Stars

  • 10% cashback on local online spend and mobile contactless spend
  • 10% cashback on selected gym, telco and streaming spend
  • 1% cashback on all overseas spending. Valid till 31 Dec 2025.

 

Dining
5/5 Stars

  • 10% cashback on local online spend and mobile contactless spend

 

Shopping
5/5 Stars

  • 10% cashback on local online spend and mobile contactless spend

Travel
4/5 Stars

  • 0% FX Fees on overseas spending, with no min. spend
  • 1% cashback on all overseas spending. Valid till 31 Dec 2025.
  • S$500,000 complimentary personal accident coverage
  • Up to S$50,000 emergency medical assistance, evacuation & repatriation coverage (arising from accident, illness, or COVID-19)


Annual interest rate and fees

  • Annual principal fee: S$196.20
  • Supplementary annual fee: Free for first supplementary card
  • 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: 0%
  • Foreign check fee: NA
  • Cash advance transaction fee: 8%
  • Overlimit fee: S$40

 

Minimum income requirements

  • Singaporean/PR Minimum Income: S$30,000
  • Non-Singaporean Minimum Income: S$40,000

 

Why apply for the UOB EVOL Card


Perks & benefits

  • 10% cashback on local online spend and mobile contactless spend
  • 10% cashback on selected gym, telco and streaming spend
  • 0% FX Fees on overseas spending, with no min. spend
  • 1% cashback on all overseas spending

Additional benefits

  • S$500,000 complimentary personal accident coverage
  • Up to S$50,000 emergency medical assistance, evacuation & repatriation coverage (arising from accident, illness, or COVID-19)
  • Earn UNI$1 with every S$5 spend

Everyday value

  • Pay seamlessly for public transport (buses & trains) using mobile contactless via SimplyGo and enjoy 10% cashback — no need for top-ups or multiple transit cards
  • Earn UNI$ on everyday expenses like monthly bills, rent, taxes, and one-off big-ticket purchases with UOB Payment Facility
  • Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants

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 & Cons

Pros Cons
  • No FX fees on foreign currency spend with no min. spend
  • 10% cashback on local online spend and mobile contactless spend
  • 10% cashback on selected gym, telco and streaming spend
  • 1% cashback on all overseas spending. Valid till 31 Dec 2025
  • All other spends earn 0.3% cashback
  • First-year annual fee waiver
  • Annual fee for subsequent years waived with min. 3 transactions every month
  • Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate
  • S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend. Plus, additional $20 cap on the 1% cashback on all Overseas Foreign Currency Spend till 31 Dec 2025.)

 

Card comparison

Card Miles/Rewards Annual Fee (Principal) Other Perks
UOB EVOL 10% cashback local, 0% FX fees overseas S$196.20 (1-year waiver) Complimentary travel insurance, lifestyle deals, usable via SimplyGo
HSBC TravelOne 1.2 mpd local, 2.4 mpd overseas S$196.20 (1-year waiver) 4 lounge visits/year, instant miles redemption to 20+ partners, travel insurance
Citi PremierMiles 1.2 mpd local, 2.2 mpd overseas S$196.20 (1-year waiver) Complimentary travel insurance, flexible miles redemption, global acceptance

 

The UOB EVOL Card is ideal for digital-first spenders who want high cashback on everyday essentials, 0% FX fees overseas, and complimentary travel insurance — all with a first-year fee waiver.

 

Application process

  1. Click “Apply Now” on this page.
  2. Fill in the online application form.
  3. Upload the required income and identity documents, or apply instantly via Singpass MyInfo.
  4. Get instant approval or hear back within a few working days (longer if additional checks are required).
  5. Make a minimum spend of S$800 per statement month to qualify for the 10% cashback.
  6. Receive your rewards via Singsaver within 4 weeks.

 

Frequently asked questions about UOB EVOL Card

 

How to maximise the UOB EVOL Card?

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To maximise your UOB EVOL Card and earn the most cashback, focus your spending on the bonus categories. Use your card for all your online shopping, bill payments, and entertainment subscriptions.  Whenever possible, make contactless payments using your mobile wallet with Apple Pay, Google Pay, Samsung Pay, or Fitbit Pay. When travelling, use your UOB EVOL Card for all your purchases in foreign currency. Remember to meet the minimum monthly spend of S$800 to unlock the 10% cashback rate.

What is the requirement for a UOB credit card for foreigners?

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The income requirement for a UOB credit card, including the UOB EVOL, varies depending on your nationality. Singapore Citizens and Permanent Residents need a minimum annual income of S$30,000, while Foreigners require a minimum annual income of S$80,000. You'll also need to be at least 21 years old and provide the necessary documentation during the application process.

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When does the cashback cap of $20 per category reset?

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The cashback cap for the UOB EVOL Card resets every month. This means you can earn up to the maximum cashback amount in each category (online & mobile, overseas, and other spending) every month.

Is the minimum monthly spend of S$800 calculated after refunds and reversals?

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Yes, the UOB EVOL Card’s minimum monthly spend of S$800 is calculated based on your net spending after any refunds or reversals. This means any returned purchases or credited amounts will be deducted from your total spending for the month.

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