Key features

• Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)

• Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account

• LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparel.

• Complimentary e-Commerce protection on your online purchases.

• Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$196.20

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3% or S$50, whichever is higher

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• You can only choose 1 rewards category out of 7 to earn up to 25X UNI$ (10 miles per S$1). Feel free to change your category every quarter.

• You must save with UOB Lady’s Savings Account to unlock up to additional 15X UNI$ (6 miles per S$1) earn rate on your preferred rewards category.

• Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Key features

• Earn 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop, Kris+ and Pelago purchases.

• Earn 2.4 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend, with min. S$1,000 annual spend on Singapore Airlines, Scoot and KrisShop

• Earn 1.2 KrisFlyer miles per S$1 on all other spend.

• 5,000 Welcome miles with first eligible spend (min. S$5).

• 10,000 KrisFlyer miles with annual renewal fee payment.

• Exclusive privileges on Scoot (via flyscoot.com/krisflyeruob), Kris+ and more.

• Terms and conditions apply for all abovementioned privileges. Visit here for more details.

• Insured up to S$100k by SDIC.

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$196.20

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3% or S$50, whichever is higher

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• Higher 3 mpd on everyday spending is contingent on an S$800 annual spend with SIA, Scoot, or KrisShop

• Significant late payment charges

• High interest rates for balances and cash withdrawals

Key features

• 4 miles per S$1 spend on mobile contactless transactions, and selected online shopping and entertainment spend.

• No minimum spend

Annual interest rates & fees

• Annual interest rate: 25.9% p.a.

• Annual principal fee: S$196.20

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• 2-year points validity

• 0.4 miles per dollar on all other eligible spend, including bus/MRT transactions.

Key features

• Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)

• 10X UNI$ for every S$5 spent (equivalent to 4 miles per S$1) on 2 of your preferred rewards categories.

• Up to additional 15X UNI$ per S$5 spent (6 miles per S$1) when you save with UOB Lady's Savings Account

• UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases.

• Complimentary travel insurance coverage of up to US$100,000.

• Complimentary e-commerce protection

• 0% LuxePay

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$410.40

• Supplementary annual fee: Free for first and second supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$120,000

• Minimum age: 21 years old

Limitations

• S$120,000 annual income

• S$410.40 annual fee

• S$5 earning blocks for miles.

• Automatic UNI$ deductions

Key features

• Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.

• Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.

• Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.

• 4 complimentary lounge visits per calendar year for principal cardmembers.

• Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.

• Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.

• Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.

• Choice to redeem for miles, cashback, or vouchers.

• No minimum spend and no cap on earned miles

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$261.60

• Supplementary annual fee: S$130.80 after the first year

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• Annual fee of S$261.60

• Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Key features

• Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.

• Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.

• Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.

• 4 complimentary lounge visits per calendar year for principal cardmembers.

• Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.

• PRVI Miles Amex Exclusive: 20,000 loyalty miles with min. S$50,000 annual spend

• PRVI Miles Amex Exclusive: Up to 8 complimentary airport transfers annually with min. S$1,000 overseas spend per quarter

• Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account

• Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.

• Choice to redeem for miles, cashback, or vouchers.

• No minimum spend and no cap on earned miles

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$261.60

• Supplementary annual fee: S$130.80 after the first year

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• 2 year points expiry.

• Annual fee of S$261.60

• Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Key features

• Earn 3 miles per S$1 spend (UNI$7.5 per S$5 spend) on regional spend in Indonesia, Malaysia, Thailand, Vietnam, including online shopping on overseas website.

• Earn 2.4 miles per S$1 spend (UNI$6 per S$5 spend) on other overseas spend, including online shopping on overseas websites.

• Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on local spend.

• 4 complimentary lounge visits per calendar year for principal cardmembers.

• Earn up to 8 miles per S$1 spend (UNI$20 per S$5 spend) on agoda and Expedia bookings via UOB PRVI Miles website.

• Earn up to 6 bonus KrisFlyer miles for every S$1 spend if you also apply for a new KrisFlyer UOB Account.

• Complimentary personal accident coverage and emergency medical assistance of up to S$500,000.

• Choice to redeem for miles, cashback, or vouchers.

• No minimum spend and no cap on earned miles

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$261.60

• Supplementary annual fee: S$130.80 after the first year

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• Annual fee of S$261.60

• Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Key features

• 4 miles per dollar on contactless, overseas, and petrol transactions.

• Travel insurance coverage of up to S$500,000.

Annual interest rates & fees

• Annual interest rate: 25.9% p.a.

• Annual principal fee: S$218

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: S$1,000

• Minimum annual income: S$50,000

• Minimum age: 21 years old

Limitations

• S$1,000 monthly minimum spend.

• Rewards bonus cap at S$2,000 per statement month.

Key features

• Up to 10% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee.

• Up to 8% cashback on all grocery spend.

• Up to 4.33% on SP utilities bill.

• Up to 3.33% cashback on all retail spend.

• Petrol savings of up to 22.66% at Shell and SPC.

• Greater savings with up to 5.3% p.a. interest with UOB One Account+.

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$196.20

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: Tiered S$600+

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• Spend at least $600 monthly based on your qualifying quarter to enjoy up to 10% cashback.

• Awarding of cash rebate only comes every quarter.

• Qualifying monthly spend for cash rebate has to be spread out across min. 10 different purchases.

• Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

Key features

• 1.7% cashback on all your purchases including travel, home furnishings, weddings, luxury purchases and more.

• 0.3% cashback on local transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab wallet top-ups.

• No minimum spend.

• No cashback cap.

• Cashback earned in the current statement period is automatically used to offset the following month's bill.

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$196.20

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• Mobile contactless payment methods not supported.

Key features

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

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

• 10% on Selected Gym, Telco and Streaming Spend

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

• All other spends earn 0.3% cashback.

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

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

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

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$196.20

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: S$800

• Minimum annual income: S$30,000

• Minimum age: 21 years old

Limitations

• 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.

Key features

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

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

• Up to 21.6% fuel savings at SPC.

• 1-for-1 movie tickets at Shaw Theatres.

• 24-hour concierge service for personal lifestyle errands.

Annual interest rates & fees

• Annual interest rate: 25.9% p.a.

• Annual principal fee: S$196.20

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$40,000

• Minimum age: 21 years old

Limitations

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

Key features

• Unlimited access to 1,300 airport lounges worldwide, for you and a guest.

• Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.

• Bonus 15,000 air miles upon renewal with min. S$100,000 spend within membership year.

• Waiver of miles conversion fees.

• Complimentary welcome drinks and up to 30% off at select Michelin-starred and fine dining restaurants.

• Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.

• 24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.

Annual interest rates & fees

• Annual interest rate: 27.8% p.a.

• Annual principal fee: S$654

• Supplementary card annual fee: Free for first supplementary card

• Interest-free period: 21 days

• Cash advance fee: 8% or S$15, whichever is higher

• Late payment fees: S$100

• Minimum monthly repayment: 3%

Minimum income requirements

• Monthly spend required: None

• Minimum annual income: S$120,000

• Minimum age: 21 years old

Limitations

• No annual fee waiver

UOB UNI$ rewards points

With UOB, rewards come in the form of UNI$, earned on eligible transactions with selected credit cards. These points go beyond everyday spending: you can rack them up through sign-up promotions, spending at participating merchants, or within specific categories.

For every S$5 spent, UNI$ are credited to your account, which explains why the points earned might slightly differ from your expectations. Versatile and rewarding, UNI$ can be redeemed for air miles, offers and vouchers, or cash credits, making them a handy perk to offset expenses or indulge in little luxuries

UOB PRVI air miles

You can enjoy UOB PRVI air miles if you have a UOB PRVI Miles credit card. Local spending brings you 3.5 UNI$ for every S$5 spent, which works out to 1.4 miles per S$1, while overseas and foreign currency transactions earn 6 UNI$ for every S$5, or 2.4 miles per S$1. Everyday purchases, whether at home or abroad, will effortlessly add to your growing pool of rewards.

These UNI$ can then be converted into air miles with programmes like KrisFlyer or Asia Miles, giving you the flexibility to redeem flights, upgrades, and other travel perks.

UOB$ (formerly SMART$) cash rebates

UOB’s revamped UOB$ programme (formerly SMART$) offers instant credit card cashback rewards, giving cardholders more ways to save on everyday spending. 

With every UOB card transaction at over 950 participating merchants, you can earn up to 10% cashback on in-store purchases. The best part? Your earned UOB$ is automatically applied to offset your next bill at the same merchant.

Cashback

Cashback from UOB credit cards provides a straightforward way to save money on your everyday spending. Depending on the card, you can earn a percentage of your spending back as cash rebates, which are automatically credited to your account or used to offset your bills. 

From 1st November 2024, UOB cardholders can now earn both UOB$ cashback and UNI$ rewards or air miles when shopping at UOB$ merchants. 

For example, a purchase at Toast Box now earns 3% UOB$ cashback (or 6% on Fridays) along with 4 mpd if you use the UOB Preferred Platinum Visa or UOB Lady’s Card (with Dining as a bonus category). This update makes spending at UOB$ merchants more rewarding than ever, reversing the previous trend of avoiding them.

1. Start your application on SingSaver

2. Submit required documents (if needed)

3. Receive and activate your card

4. Redeem your SingSaver rewards (if applicable)

Once your eligibility is confirmed by the bank, SingSaver will email you the reward redemption instructions within 8–10 weeks.

Need a card that matches how you spend and live? Check out our top recommendations by category below:

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