UOB One Card

The UOB One Credit Card is ideal for families, working professionals, and consistent spenders who want to maximise their cashback on everyday essentials. Covering major categories like groceries, dining, transport, utilities, and petrol, it offers one of the broadest and most practical cashback structures in Singapore.

With tiered rewards of up to 10% cashback, users who can maintain a steady monthly spend enjoy generous quarterly rebates that add up quickly. The card is especially attractive for households managing recurring bills, drivers who benefit from fuel discounts, and families who spend heavily on groceries.

Thanks to its flexibility and strong all-round coverage, the UOB One Card remains one of the most popular cashback credit cards in Singapore, rewarding those who prefer predictability and consistent value in their everyday spending.

SingSaver’s offer

Apply for the UOB One Card and meet the minimum spend to enjoy exclusive SingSaver rewards:

• Apple AirPods Pro 2nd Gen (worth S$349)
• Samsonite Straren Spinner 67/24 (worth S$600)
• S$300 Cash via PayNow
• S$60 Cash via PayNow
• S$70 Grab Voucher
• S$350 Cash Credit

Welcome offer comparison

Best offer: The SingSaver promotion provides the highest guaranteed value.

UOB One Card at a glance

Cashback on essentials

5/5 Stars

• Up to 10% cashback on Grab, McDonald’s, Shopee, SimplyGo

• Awarded quarterly if minimum spend tier is met

Groceries

4/5 Stars

• Up to 8% cashback at major supermarkets (FairPrice, Giant, Cold Storage, Sheng Siong, Prime, Don Don Donki and more)
• Best for families with consistent spend

Utilities

4/5 Stars

• Up to 4.33% effective cashback on SP utilities bills
• Rare benefit among cashback cards

Petrol

4/5 Stars

• Up to 22.66% savings at Shell & SPC
• Strong value for drivers

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$120
• Minimum monthly repayment: 3% or S$150, whichever is higher
• Foreign currency transaction fee: 3.25%

Minimum income requirements

• Singaporean/PR minimum income: S$30,000
• Non-Singaporean minimum income:S$40,000

Why apply for the UOB One Card

Cashback benefits

• Up to 10% cashback on essentials
• Up to 8% effective cashback on groceries
• Utilities and petrol savings not offered by most competitors

Additional benefits

• Free supplementary card
• Dining and lifestyle deals via UOB Rewards+
• Enhanced savings with UOB One Account

Everyday value

• Tiered cashback rewards for disciplined spenders
• Works well for families and high monthly spenders

SingSaver’s take

The UOB One Card is best for Singaporeans who spend consistently across groceries, dining, transport, and utilities. Its high cashback rate and wide category coverage make it one of the most practical cards on the market. Thanks to its tiered cashback system, the UOB One Card cashback structure ensures strong rewards for everyday spenders.

Card comparison

The UOB One Card is ideal for families and everyday spenders who want high cashback across essentials, groceries, utilities, and petrol.

Application process

1. Click “Apply Now” on this page.
2. Fill in the online application form.
3. Upload the required income and identity documents.
4. Wait for UOB to approve your card (typically within 10 minutes).
5. Pay the annual fee (S$196.20 incl. GST), provide your marketing consent to UOB, and make a minimum deposit. spend of S$600 by the end of the following month from the card approval date.
6. Receive your rewards via Singsaver within 4 weeks.