UOB UnionPay Platinum Card

UOB UnionPay Platinum Card

Make every expenditure more rewarding with the UOB UnionPay Platinum Card. Earn 2% cashback on all spending, including both local and overseas spending.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Minimum Annual Income
S$ 40,000
Annual Fee
S$ 196.2
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Cashback Local
2  %
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Annual Fee Waiver
3 years

Things to consider

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Local spending rebate

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No monthly spend required

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Petrol savings

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Rebate cap applied

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Benefits

Cashback

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Cashback Base Rate
2  %
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Cashback Local
2  %
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flight
Cashback Overseas
2  %
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luggage
Cashback Travel
2  %
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restaurant
Cashback Dining
2  %
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shopping_cart
Cashback Supermarket
2  %
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local_gas_station
Cashback Petrol
2  %
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Cashback Retail
2  %
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Cashback Local Online Shopping
2  %
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Cashback Overseas Online Shopping
2  %
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Cashback Health
2  %
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Cashback Department Store
2  %
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Cashback Digital Wallet
2  %
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Quick Facts

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2% cash rebate on all spends, no minimum spend required.

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Up to 10% discount at over 100 International Airport Duty Free Shops.

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Up to 21.6% fuel savings at SPC.

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1-for-1 movie tickets at Shaw Theatres.

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24-hour concierge service for personal lifestyle errands.

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Total cash rebate is capped at S$50 per calendar month.

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 40,000
Monthly Spend Required
None
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Fees / Repayment

Fees

Annual Fee Waiver
3 years
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Air Miles Conversion Fee
S$ 25

Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
25.9  %
Interest on Cash Advance
28  %
Interest Free Period
21  days
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Others

Association

UnionPay Platinum

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

Tags

UOB UnionPay Platinum Card UOB UnionPay Platinum Card

UOB UnionPay Card

  • Up to 2% cashback on all local and overseas spend, up to 5% on all spend in Mainland China (until 31 Dec 2025)

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%

Spending in Mainland China (until 31 Dec 2025)

5%

 

 

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. 
  • Seasonal promotions available, such as the 5% cashback boost on spending in Mainland China until 31 Dec 2025.
  • 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.
  • Earn 5% cashback on spending in Mainland China until 31 December 2025.
  • 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.
  • Go beyond local spending with a special 5% cashback on transactions in Mainland China and other exclusive UnionPay offers.
  • 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.

Pros Cons
✅  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).		 ❌  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.

 

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

  1. Click “Apply Now” on this page and follow the prompts.
  2. Alternatively, you may head down to a UOB branch to apply. Make sure to bring along your supporting documents.
  3. Wait for your card to be approved.
  4. Upon approval, you can add your card to your mobile wallet for instant use. 

 

Frequently asked questions about UOB UnionPay Credit Card

Does UOB have UnionPay?

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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.

Is UnionPay available in Singapore?

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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.

What banks offer UnionPay credit cards?

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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.

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