UOB UnionPay Platinum Card
Highlights
SingSaver's Take
Things to Consider
Benefits
Fees & Charges
Eligibility
Pros & Cons
Pros
Earn a flat 2% cashback on all eligible local and overseas spend.
No minimum spend is required to earn cashback.
Simple, fuss-free structure—no categories to track.
Annual fee waived for the first 3 years.
Lower minimum income requirement compared to premium cards.
Special 5% cashback promotion for spending in Mainland China (until 31 Dec 2025).
Cons
Cashback is capped at S$50 per month, which can be restrictive for high spenders.
High foreign currency transaction fee of 3.25%.
No extra perks like lounge access or travel insurance.
Not ideal for high spenders, as the rebate cap may be limiting.
UOB UnionPay Card
The UOB UnionPay Card is designed for individuals who want straightforward rewards on their everyday purchases. Cardholders can earn a flat 2% cashback on all eligible spending, capped at S$50 per month, without needing to meet a minimum monthly spend. The card also offers a 3-year annual fee waiver, making it a simple yet rewarding choice for those who prefer clarity over complex reward structures.
|
Spending type |
Cashback earn rate |
|
Local and overseas spending |
2% |
UOB UnionPay Card at a glance
Air miles/Cashback
4/5
- Earn a flat 2% cashback on all local and overseas spend.
- No minimum monthly spend or transaction requirements.
- A simple, flat-rate cashback with no complicated categories to track.
Overseas spending
2.5/5
- Overseas transactions earn a standard 2% cashback. However, a standard 3.25% FX fee applies, making it less rewarding for foreign spend compared to other cards.
- Pay with your UOB UnionPay Card via Weixin Pay and Alipay to enjoy zero transaction fees on transactions above 200 Chinese Yuan (CNY).
Travel
2/5
- Up to 10% off at over 100 international airport duty-free shops.
- The card does not offer complimentary lounge access.
- No travel insurance is included.
- No concierge or travel perks—this is strictly a local cashback card with a few regional privileges.
Bill payment
1/5
- Bill payments are excluded from the 2% cashback scheme.
- Transactions such as utilities, education, and medical expenses do not qualify.
- This limits the card’s usefulness for households hoping to offset recurring expenses.
- Best suited for everyday retail and travel-related spend instead.
Petrol
3/5
- Petrol spend counts towards the flat 2% cashback rate.
- Additionally, cardholders can enjoy up to 21.6% off petrol purchases at SPC.
- A practical option for drivers who want a simple cashback card.
Annual interest rate and fees
- Annual fee: S$196.20 (inclusive of GST)
- Fee waiver: 3-year waiver
- Interest-free period: 21 days
- Annual interest rate: 27.8% p.a.
- Late payment fees: S$100
- Minimum monthly repayment: 3% of monthly outstanding balance or S$50, whichever is higher.
- Foreign currency transaction fee: 3.25%
- Cash advance transaction fee: 8% of amount withdrawn or S$15, whichever is higher.
- Overlimit fee: S$40
Minimum income requirements
- Singaporean/PR minimum income: S$30,000 (55 years old and below); S$15,000 (56 years old and above)
- Foreigner minimum income (in employment for at least 1 year): S$40,000
Why apply for the UOB UnionPay Card
Perks and benefits
- Earn 2% cashback on all eligible local and overseas spend.
- Compatible with contactless payments and mobile wallets such as Apple Pay, Google Pay, and Samsung Pay.
- Enjoy zero transaction fees for transactions over 200 Chinese Yuan (CNY) when using Weixin Pay and Alipay.
Additional benefits
- Annual fee waived for the first 3 years.
- Free first supplementary card.
- Cashback is credited directly—no need for points or miles conversion.
- More accessible compared to premium cards, with a lower income requirement than many rewards cards.
Everyday value
- Enjoy a flat 2% cashback on all spending, local or overseas, with no minimum spend required to qualify.
- The S$50 monthly cashback cap and high foreign currency fee mean it's ideal for those who spend consistently on everyday items, but may not be the best choice for high spenders or frequent international travelers.
SingSaver’s take
The UOB UnionPay Card is a straightforward cashback card that rewards all eligible spend with a flat 2% cashback rate, with no minimum monthly spend requirement. Cashback is capped at S$50 per month, which is simple to understand but may be limiting for high spenders.
The card’s main appeal lies in its no-fuss structure—there's no need to track categories or meet complex spend conditions to earn your cashback. However, the high foreign currency transaction fee makes it less suitable for frequent overseas travel. Overall, it’s a practical and simple card for everyday spenders who value consistency and predictability.
Card comparison
|
Card |
Miles/Rewards |
Annual fee (principal) |
Other perks |
|
UOB UnionPay Platinum Card |
2% cashback on local and overseas spend with no minimum spend; 5% on Mainland China spend (until 31 Dec 2025) |
S$196.20 (waived for first 3 years) |
Zero transaction fees for transactions over 200 Chinese Yuan (CNY) when using Weixin Pay and Alipay. |
|
Maybank Platinum Visa Card |
3.33% cashback with minimum monthly spend, capped at S$200 quarterly |
S$21.80 quarterly service fee (waived for first 3 years) |
Free supplementary cards. |
|
BOC Visa Infinite Card |
1.6% local, 2.4% overseas cashback |
S$381.50 (waived for first 2 yrs) |
Lounge visits, EV charging rebate, Visa Concierge |
The UOB UnionPay Card stands out for its fuss-free 2% cashback on all spend with a monthly cap of S$50, making it a simple, predictable choice for everyday spenders who value clarity and no minimum spend requirements.
Application process
- Click “Apply Now” on this page and follow the prompts.
- Alternatively, you may head down to a UOB branch to apply. Make sure to bring along your supporting documents.
- Wait for your card to be approved.
- Upon approval, you can add your card to your mobile wallet for instant use.
Frequently asked questions about UOB UnionPay Credit Card
Yes, UOB offers the UOB UnionPay Card. It is a credit card that provides a flat 2% cashback on all local and overseas spending. According to UnionPay International, UOB was the first and remains the only Singapore bank to offer a UnionPay credit card.
Yes, UnionPay is widely available in Singapore. UnionPay cards are accepted at over 10,000 merchants and almost all ATMs across the country. Many retailers, including department stores, restaurants, hotels, and petrol stations, accept UnionPay. Contactless payments via UnionPay QuickPass are also supported at many merchants.
In Singapore, UOB is the primary local bank that offers a UnionPay credit card, the UOB UnionPay Card. Other foreign banks with a presence in Singapore, such as Bank of China (BOC) and Industrial and Commercial Bank of China (ICBC), also offer UnionPay credit cards and debit cards.
Related pages
Best UOB Credit Cards in Singapore 2026
UOB credit cards offer a wide range of benefits, including cashback rewards, competitive interest rates, and no annual fees. They also provide unique features such as contactless payments and insurance benefits, such as travel insurance and purchase protection. With a focus on innovation, convenience, and customer satisfaction, UOB credit cards are a reliable and rewarding choice for consumers.