The UOB One Card is one of the most generous cashback credit cards you can get. However, you'll need to spend at least S$2,000 per month to fully unlock its benefits. Is this the ultimate cashback card for everyday spending?
UPDATE: For new customers only, get up to 20% cashback on selected merchants from now till 31 Dec 2024. Read on to find out how it works.
The UOB One Credit Card offers a tiered cashback system that gives you up to 15% cashback -- 20% if you're a new applicant. This higher cashback rate applies to spends on Grab rides and transactions at Dairy Farm Singapore merchants, MacDonalds', Shopee and SimplyGo. All other spending will be eligible for 3.33% cashback if you meet the spending requirements.
If you can spend S$2,000 for three consecutive months, the UOB One could be the most generous cashback card around. Otherwise, the base 3.33% cashback isn’t too shabby either.
Read on to find out how to use the UOB One card to your advantage.
If you'd like to check out more credit cards by UOB, check out our blog where we detail which are the best UOB credit cards in Singapore.
Table of contents
- Overview: UOB One Credit Card
- Reasons to get the UOB One Credit Card
- Eligibility, fees & charges
- How to apply?
- Should you get the UOB One Credit Card?
SingSaver Exclusive Offer: Ready for your first credit card? 💳 Score top welcome gifts like Apple devices or Dyson favourites when you apply on SingSaver. T&Cs apply.
.png?width=800&height=250&name=Apple%20Page_IN%20ARTICLE%20BLOG%20BANNER_800x250-KV1%20(1).png)
You can also upgrade to a premium Apple device for less! Turn your reward into a sleek Apple tablet, headphones or laptop with a top-up starting from just S$130. Apply for select credit cards and take your pick. T&Cs apply.
What the UOB One Credit Card can do for you
UOB One Card product summary:
- Highest possible cashback: 15%
- UPDATE: 20%, for new customers (until 31 Dec 2024)
- Min. S$2,000 spend for three consecutive months: Additional 6.67% cashback + Enhanced 10% cashback
- Min. S$500 or S$1,000 spend for three consecutive months: Additional 5% cashback + Enhanced 5% cashback
- Up to 24% fuel savings at SPC kiosks
- Up to 4.33% cashback on Singapore Power utilities bill
- Maximum cashback earned:
Base 3.33% + Additional cashback 6.67% + Enhanced cashback 10% = Up to 20% cashback total- Base cashback is capped at S$50, S$100 and S$200 per quarter. Additional cashback is capped at S$100 per statement month. Hence, the maximum yearly cashback is S$200/quarter + S$100/mth = S$2,000 per year.
- Enhanced cashback is capped at an additional S$100 per statement month, and is awarded on top of the cashback described above.
- Annual fee: S$196.20 (1st year waived)
| Pros ✅ | Cons ❌ |
| 3.33% base cashback on all qualifying retail spend | Minimum monthly spend of S$2,000 (with minimum 5 purchases) to earn maximum cashback |
| Up to 20% (new-to-UOB cardmembers) cashback on: - McDonald's - Shopee - Grab services - Dairy Farm International Retail Group (e.g. Cold Storage, Giant, Guardian, 7-Eleven) - SimplyGo - UOB Travel - SP Group |
Enhanced cashback (5% or 10%) only applicable to new-to-UOB cardmembers applying for UOB One Credit Card by 31 December 2024 |
|
Up to 24% savings at SPC |
Cashback will be forfeited upon card termination as all benefits and privileges offered by the card will no longer available |
| Additional up to 4.33% cashback for Singapore Power utility bills | Interest rate drops back down to 0.05% p.a. on savings more than S$100,000 in the UOB One account |
| Up to S$2,000 total cashback per year | Quarterly cashback only |
| For deposits of up to S$75,000: Up to 3% p.a. interest on your UOB One savings account For deposits above S$75,000 but under S$150,000: Up to 6% p.a. interest on your UOB One savings account |
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
How to earn up to 20% cashback with UOB One Credit Card
For the categories earning up to 10% cashback, you will earn an additional 10% cashback in quarterly cash rebate so long as you're a new-to-UOB cardholder applying for the UOB One Card from now till 31 December 2024.
How much quarterly cashback you earn depends on how much qualifying spend you satisfy each month.
As a base, everyone earns the standard 3.33% cashback with a minimum S$500, S$1,000, or S$2,000 spend on at least 5 transactions per statement month.
Next, the additional cashback and enhanced cashback are separated into two tiers each:
- Tier 1: Min. S$500 / S$1,000 monthly spend
- Tier 2: Min. S$2,000 monthly spend
|
For 3 consecutive months 📅
|
Min. S$500 / S$1,000 spend per month
|
Min. S$2,000 spend per month
|
|
Base cashback
|
3.33%
|
|
|
Additional cashback
|
5%
|
6.67%
|
|
Enhanced cashback
(For new-to-UOB cardmembers only) |
5%
|
10%
|
|
Total cashback earned
|
Existing UOB cardmembers: 8.33% or 10%
New-to-UOB cardmembers: 13.33% or 20% |
|
Which spending categories will I earn extra cashback on, and how much?
If you're wondering which merchants and transactions will earn you cashback, here's a handy table that should serve as a quick reference.
|
Merchant |
Additional cashback |
Enhanced cashback |
|
DFI Group (7-Eleven, Cold Storage, CS Fresh, Giant, Guardian, Jasons, Jasons Deli, Marketplace and CART |
Up to 6.67% |
Up to 10% |
|
Grab (excluding mobile wallet top-up) |
Up to 6.67% |
Up to 10% |
|
McDonalds' |
Up to 6.67% |
Up to 10% |
|
Shopee |
Up to 6.67% |
Up to 10% |
|
SimplyGo |
Up to 6.67% |
Up to 10% |
|
UOB Travel (excluding online, flight-only bookings and relevant taxes) |
Up to 6.67% |
n/a |
|
Shell |
1.67% |
n/a |
|
Singapore Power |
1% |
n/a |
Why should you choose the UOB One Credit Card?
If you easily spend S$500 a month on your credit card, take Grab rides and shop at Shopee, Cold Storage or Giant, the UOB One credit card could be the one to add to your wallet.
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
#1: Earn 10% cashback on all your Grab rides
UOB One credit card offers a generous cashback on all your Grab rides of up to 10%.
Even if you fail to spend $2,000 for three consecutive months, you will still be earning a good additional 5% cashback as a consolation. However, remember that this cashback only applies to Grab rides which are paid directly with your UOB One credit card.
Mobile wallet top-ups are excluded from getting cashback.
See more: Complete Guide to Mobile Wallets in Singapore
#2: Save on 10% cashback when you spend at your favourite grocers
If your go-to supermarket is Cold Storage or Giant, you’re in luck. UOB One especially rewards you with up to 10% cashback for purchases made at Dairy Farm Singapore merchants. This includes Cold Storage, Giant, Guardian, 7-Eleven, Market Place, Jason's and Jason's Deli.
Once again, if you fail to hit the maximum S$2,000 spend tier, you'll still earn a steady 5% cashback on your groceries.
Alternatively, you can also check out this article for the best grocery credit cards in Singapore.
Read more:
Best Credit Cards For Online Groceries (Sheng Siong Online, Cold Storage Online, RedMart, FairPrice Online)
10 Best Supermarket House Brand Products in Singapore You Should Buy
#3: Greater savings on your supper runs to McDonald's
Most of us would agree that McDonald's is one of the best fast food restaurants to indulge in classic burgers, fries, ice creams, and the like. In Singapore alone, there are 154 outlets operating on our tiny island – so that definitely puts into perspective how popular McDonald's is among Singaporeans.
In recognition of this, the UOB One Card now includes McDonald's as one of its eligible merchants to earn 10% cashback (or up to 20% for new-to-UOB cardmembers) to score greater savings on your fast food orders.
This cashback rate is notably competitive, particularly when compared to the likes of Standard Chartered Smart Credit Card which only rewards up to 6% cashback on fast food transactions.
So now, you'll have even more excuse reason to eat McDonald's more regularly than you already do. 😉🍔🍟🥤
You can check out other credit cards to save your next McDonald's order here.
#4: Additional 1% cash rebate on your utility bills
The UOB One Card rewards you with an additional 1% on your Singapore Power Utilities bills when you qualify for your quarterly cash rebate. This adds up to a total of 4.33% cashback on your utility bill.
You can check out other best credit cards to pay off your electricity and water bills here.
Read more:
Complete Guide to Singapore's Open Electricity Market
Credit Cards to Supercharge your Savings on Open Electricity Market
#5: Up to 24% fuel savings at SPC
For drivers who regularly fuel up at SPC, you'll be ecstatic to know that the UOB One Card gives you immense savings on fuel – up to 24% savings!
Read more:
Best Petrol Credit Cards in Singapore
The Real Cost: Electric Cars vs Petrol Cars
#6: Pair it with your UOB One Account for up to 6% p.a. interest on your savings
UOB One Account
See more
See less
The UOB One account offers up to 6% p.a. interest on your account balance up to S$150,000 with minimal effort. (You can earn 3% p.a. on your first S$75,000, and 4.5% p.a. on the next S$50,000.)
Simply credit your salary every month via GIRO, and spend a minimum of S$500 on a UOB credit card. As such, the UOB One credit card would be the perfect card to match this savings account.
However, if you prefer chasing miles you can consider the UOB PRVI Miles, KrisFlyer UOB or UOB Lady’s card instead.
UOB credit cards
Read more:
UOB PRVI Miles Visa Credit Card Review: For Frequent Travellers
KrisFlyer UOB Credit Card Review: For SIA & Scoot Perks
Best Women's Credit Cards in Singapore
What charges or fees should you look out for?
- Annual fee: S$196.20 (First year waived)
- Late payment charge: S$100 if minimum payment is not received by due date
- Cash advance fee: 8% of due amount, subject to S$15 minimum fee
- Minimum monthly payment: 3% of current balance or $50, whichever is higher, plus any overdue amounts
- Overlimit fee: S$40 if the total outstanding card balance exceeds the total credit limit at any time
- Foreign currency transaction fee: 3.25% on converted amount (1% retained by Mastercard)
- Interest on purchases: 27.8% p.a. on amount unpaid (including late payment charges) until outstanding is paid in full
- Interest on cash advance: 28.5% p.a. from the date of the cash advance until the date the outstanding is paid in full
- Additional interest: 3% p.a. on top of prevailing interest on any remaining unpaid amount if minimum payment is overdue
Eligibility criteria
- At least 21 years of age
- Minimum annual income for Singapore Citizens and PRs: S$30,000 or a fixed deposit collateral of at least S$10,000
- Minimum annual income for Foreigners: S$40,000 or a fixed deposit collateral of at least S$10,000
How to apply?
Click on the ‘Apply Now’ button on this page and complete the application form on SingSaver site via Singpass MyInfo. You might need to prepare the following documents for the application process:
-
Front and back of NRIC/Passport/Employment Pass
- Salaried employees (Singaporeans/PRs):
- Fixed monthly salary ≥ S$2,500:
- Last 12 months' CPF statement
- Latest original computerised payslip
- Latest Income Tax Notice of Assessment and last 12 months' CPF statement or latest original computerised payslip
- Fixed monthly salary < S$2,500:
- Past 12 months' CPF statement
- Latest 3 months' computerised payslip
- Latest Income Tax Notice of Assessment and last 12 months' CPF statement or latest original computerised payslip
- Length of employment < 3 months: Last computerised payslip, company Letter certifying employment, and monthly salary
- Fixed monthly salary ≥ S$2,500:
-
Self-employed: Latest Income Tax Notice of Assessment
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
Should you get the UOB One Credit Card?
Those who care enough to count their cashback dollars and take the title of 'Singapore's most generous rebate card' seriously. UOB One's quarterly cashback structure is anything but simple, and it'll demand the highest order of expense-tracking efforts.
You'll have to be disciplined enough to take a measured approach to your monthly spending, for up to three consecutive months. It'd also make sense if your two heaviest lifestyle expenditure categories are groceries and Grab rides.
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
Back to Blog 
