Best UOB Credit Cards in Singapore 2026
Updated: 9 Feb 2026
Card | Hot Reward Pick | SingSaver Reward | Card Benefit | Min. Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | UOB One Card | S$990 | 3.33 - 10 % | S$30,000 | S$196.20 | ||
 | UOB EVOL Card | S$990 | 0.3 - 10 % | S$30,000 | S$196.20 | ||
 | UOB PRVI Miles Visa Card | S$990 | 1.4 - 8 | S$30,000 | S$261.60 | ||
 | UOB Visa Signature Card | S$990 | 0.4 - 4 miles per dollar | S$50,000 | S$218.00 | ||
 | Singtel-UOB Card | S$990 | 0.3 - 12 % | S$30,000 | S$196.20 | ||
 | UOB PRVI Miles American Express Card | S$990 | 1.4 - 8 | S$30,000 | S$261.60 | ||
 | UOB PRVI Miles World MasterCard | S$990 | 1.4 - 8 | S$30,000 | S$261.60 | ||
 | UOB Absolute Cashback Card | S$990 | Up to 1.7 % | S$30,000 | S$196.20 | ||
 | UOB Lady's Card | 55,000 Max Miles by HeyMax (worth S$990) | S$990 | 0.4 - 10 miles per dollar | S$30,000 | S$196.20 | |
 | KrisFlyer UOB Credit Card | - | - | 1.2 - 3 | S$30,000 | S$196.20 | |
 | UOB Preferred Platinum Visa Card | - | - | 0.4 - 4 | S$30,000 | S$196.20 | |
 | UOB Lady's Solitaire Card | - | - | 0.4 - 4 miles per dollar | S$120,000 | S$414.20 | |
 | UOB UnionPay Platinum Card | - | - | 2 % | S$40,000 | S$196.20 | |
 | UOB Visa Infinite Metal Card | - | - | 1.4 - 2.4 | S$120,000 | S$654.00 |
- 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+.
- Supermarket rebate
- Grab/taxi rebate
- 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.
- Monthly spend required
- Rebate cap applied
UOB EVOL Card
- Enjoy no FX fees on overseas foreign currency spend worldwide with no min. spend, no cap.
- 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 3% cashback on all Overseas FX Spend till 31 Jan 2026.
- Get 10% cashback on mobile contactless MYR spend in Malaysia till 31 Jan 2026.
- 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 4.5% p.a. interest with UOB One Account+.
- Online shopping rebate
- Mobile contactless rebate
- No FX fees
- Overseas in-store FX spend rebate
- 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.
- Additional S$20 cap on 10% cashback on mobile contactless MYR spend in Malaysia and S$20 cap on 1% cashback on all overseas FX spend till 31 Jan 2026.
- Monthly spend required
UOB PRVI Miles Visa Card
- 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
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- 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.
UOB Visa Signature Card
- 4 miles per dollar on contactless, overseas, and petrol transactions.
- Travel insurance coverage of up to S$500,000.
- Petrol rebate
- Overseas rebate
- Mobile contactless rebate
- S$1,000 monthly minimum spend.
- Rewards bonus cap at S$2,000 per statement month.
- Rebate cap applied
- Enjoy 12% cashback on Singtel and GOMO spend.
- Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Google Pay) spend.
- Enjoy no FX fees on overseas foreign currency spend with no min. spend.
- Waiver of Annual Fee with 12-month recurring Singtel and/or GOMO bills
- Enjoy up to S$300 Singtel vouchers per year when you spend S$12,000/yr locally on the card
- Singtel/GOMO spend rebate
- Online shopping rebate
- Mobile contactless rebate
- No FX fee
- Voucher redeemable yearly
- Minimum spend of S$800 each statement month to enjoy accelerated cashback
- S$80 total cashback cap per statement month (S$30 cap for Singtel spend, S$30 cap for local online and mobile spend; S$20 cap for all other spend.)
- Rebate cap applied
- Monthly spend required
- 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
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- 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.
UOB PRVI Miles World MasterCard
- 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
- Bonus air miles
- Unlimited air miles
- Travel insurance
- No monthly spend required
- Annual fee of S$261.60
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
UOB Absolute Cashback Card
- 1.7% cashback on all your purchases including travel, home furnishings, weddings, luxury purchases and more.
- 0.3% cashback on local transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab wallet top-ups.
- No minimum spend.
- No cashback cap.
- Cashback earned in current statement period is automatically used to offset the following month's bill.
- No rebate cap
- No monthly spend required
- Insurance rebate
- Local spending rebate
- Mobile contactless payment methods not supported.
UOB Lady's Card
- Pick from 7 rewards categories to earn up to 25X UNI$ 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$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
- LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
- Complimentary e-Commerce protection on your online purchases.
- Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
- Local & Overseas spending rewards
- Installment
- No monthly spend required
- 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.
- Monthly rewards cap applies.
KrisFlyer UOB Credit Card
- 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.
- KrisFlyer miles
- Unlimited miles
- 1st year annual fee waiver
UOB Preferred Platinum Visa Card
- 4 miles per S$1 spend on mobile contactless transactions, and selected online shopping and entertainment spend.
- No minimum spend
- Online shopping bonus reward
- Mobile contactless bonus reward
- Installment
- 2-year points validity
- 0.4 miles per dollar on all other eligible spend
- Bonus reward cap applied
UOB Lady's Solitaire Card
- Pick from 7 rewards categories to earn up to 25X UNI$ 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
- Local spending rebate
- Installment
- No monthly spend required
- S$120,000 annual income
- S$410.40 annual fee
- S$5 earning blocks for miles.
- Automatic UNI$ deductions
- Rebate cap applied
UOB UnionPay Platinum Card
- 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.
- Local spending rebate
- No monthly spend required
- Petrol savings
- Total cash rebate is capped at S$50 per calendar month.
- Rebate cap applied
- 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$1,000,000 Travel Personal Accident Insurance coverage.
- 24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
- Airport lounge
- Bonus air miles
- Overseas rebate
- No annual fee waiver
- Annual Fee required
UOB Lady's Card
Key features
-
Pick from 7 rewards categories to earn up to 25X UNI$ 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.
KrisFlyer UOB Credit Card
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
UOB Preferred Platinum Visa Card
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$30,000
-
Minimum age: 21 years old
Limitations
-
2-year points validity
-
0.4 miles per dollar on all other eligible spend, including bus/MRT transactions.
UOB Lady's Solitaire Card
Key features
-
Pick from 7 rewards categories to earn up to 25X UNI$ 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
UOB PRVI Miles Visa Card
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.
UOB PRVI Miles American Express Card
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.
UOB PRVI Miles World MasterCard
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.
UOB Visa Signature Card
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.
UOB One Card
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.
UOB Absolute Cashback Card
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.
UOB EVOL Card
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 up to 10% cashback on overseas FX spend. Valid till 31 Jan 2026.
-
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
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Supplementary card annual fee: Free for first supplementary card
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Interest-free period: 21 days
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Cash advance fee: 8% or S$15, whichever is higher
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Late payment fees: S$100
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Minimum monthly repayment: 3%
Minimum income requirements
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Monthly spend required: S$800
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Minimum annual income: S$30,000
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Minimum age: 21 years old
Limitations
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Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
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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.
UOB UnionPay Platinum Card
Key features
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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.
Annual interest rates & fees
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Annual interest rate: 25.9% p.a.
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Annual principal fee: S$196.20
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Supplementary card annual fee: Free for first supplementary card
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Interest-free period: 21 days
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Cash advance fee: 8% or S$15, whichever is higher
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Late payment fees: S$100
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Minimum monthly repayment: 3%
Minimum income requirements
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Monthly spend required: None
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Minimum annual income: S$40,000
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Minimum age: 21 years old
Limitations
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Total cash rebate is capped at S$50 per calendar month.
UOB Visa Infinite Metal Card
Key features
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Unlimited access to 1,300 airport lounges worldwide, for you and a guest.
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Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.
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Bonus 15,000 air miles upon renewal with min. S$100,000 spend within membership year.
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Waiver of miles conversion fees.
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Complimentary welcome drinks and up to 30% off at select Michelin-starred and fine dining restaurants.
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Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.
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24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
Annual interest rates & fees
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Annual interest rate: 27.8% p.a.
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Annual principal fee: S$654
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Supplementary card annual fee: Free for first supplementary card
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Interest-free period: 21 days
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Cash advance fee: 8% or S$15, whichever is higher
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Late payment fees: S$100
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Minimum monthly repayment: 3%
Minimum income requirements
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Monthly spend required: None
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Minimum annual income: S$120,000
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Minimum age: 21 years old
Limitations
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No annual fee waiver
Rewards
UOB UNI$ 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.
How to apply
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Start your application on SingSaver
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Submit required documents (if needed)
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Receive and activate your card
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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.
Best UOB sign-up bonuses to look out for (on top of SingSaver rewards)
Here’s a quick overview of what each card is currently best known for, so you can shortlist the right one based on how you spend in Singapore.
|
UOB credit card |
Sign-up bonus / headline perk |
Best for |
|
UOB One Card |
Up to 10% cashback on your daily spend, now with up to 8% cashback on all grocery spend. |
Families, working professionals, and consistent spenders |
|
UOB EVOL Card |
Get 10% cashback locally and 0% FX fees worldwide (no min spend, no cap). Plus, up to 10% cashback on overseas spend valid until 31 Jan 2026. |
Digital-first spenders, online shopping, and travel |
|
KrisFlyer UOB Credit Card |
Get up to 3 KrisFlyer miles per S$1 on your daily spend, Singapore Airlines, Kris+ and more. Plus, first year annual fee waived when you sign up now. |
Singapore Airlines loyalists and frequent flyers |
|
UOB Lady’s Card |
Enjoy up to 25X UNI$ per S$5 spend (10 miles per S$1) on your preferred rewards category(ies) |
Lifestyle spenders (dining, fashion, travel, beauty) |
|
UOB Visa Infinite Metal Card |
Get up to 80,000 air miles with min. S$4,000 spend within 30 days from your Card approval date |
High earners who want premium travel perks |
Tip: If you’re comparing two credit cards, don’t just look at the headline cashback or miles. Always check the minimum spend, cashback cap, and whether rewards are awarded monthly or quarterly, because that affects how quickly you actually see value.
UOB credit card promotions worth using (beyond sign-up gifts)
Even if you’re not applying for a new card, UOB still runs plenty of ongoing cardmember deals that can help you save on lifestyle spending in Singapore, from dining experiences to travel perks.
Here are a few types of UOB promotions that are worth checking before you pay full price.
Dining and experiences (for celebrations and date nights)
UOB card promotions often include dining experiences such as Royal Albatross and other curated restaurant deals, such as the Complimentary Truffle Parmesan Fries (U.P S$16) with min. spend of S$120 deal at Wine Connection. If you’re already planning a special meal, paying with the right UOB card during a promo period can help you enjoy the experience while spending less.
Travel, attractions, and leisure perks
UOB frequently features deals tied to travel and experiences, which can be useful for staycations, weekend plans, and even family outings. For example, UOB cardmembers can enjoy up to 10% off Qatar Airways flights with promo code UOBQR25. If you already spend on activities and entertainment, you can stack extra value by earning cashback or miles while enjoying promotional discounts.
Shopping and lifestyle discounts (easy wins)
Some of the easiest UOB deals to use are everyday lifestyle promos such as seasonal campaigns and retail discounts. These are best treated as bonus savings, meaning you shouldn’t spend extra just to chase a discount, but if you were already going to buy it, you might as well pay smarter.
How to maximise cashback with the most popular UOB credit cards
Cashback sounds simple, spend money and get money back, but the best cashback card depends on whether you can meet the card’s conditions consistently. Here’s how to maximise cashback with the most popular UOB cards in Singapore, using everyday spending examples.
UOB One Card: Best way to earn cashback consistently
The UOB One Card is popular because it rewards steady monthly spending, especially on everyday essentials.
To maximise your cashback, aim to hit the minimum monthly spend tier consistently, and spread your spending across at least 10 transactions. This is usually easiest when you use the card for groceries, transport, food delivery, and smaller daily purchases.
Real-life example: If you’re already spending on weekly groceries, commuting costs, and daily meals, you’ll likely meet the spend requirement naturally without forcing extra purchases.
UOB EVOL Card: Best cashback strategy for online and mobile pay users
The UOB EVOL Card is a strong fit if you frequently pay via mobile contactless (Apple Pay, Google Pay, Samsung Pay), shop online, or have recurring subscriptions.
To maximise your cashback, you’ll want to hit the minimum monthly spend requirement so you can unlock the higher cashback rates. It also helps to use this card consistently for online shopping, mobile payments, and selected subscription categories.
Real-life example: If you’re paying for telco bills, streaming subscriptions, and online purchases across platforms like Shopee or Lazada, EVOL rewards can add up quickly as long as you meet the monthly spend requirement.
UOB Absolute Cashback Card: Best for simple, no-tracking cashback
If you don’t want to track categories, caps, or minimum spend, the UOB Absolute Cashback Card is one of the easiest options.
To maximise it, use it for larger purchases such as travel bookings, home furnishing, wedding expenses, and other big-ticket spending. Since there’s no minimum spend, it’s also useful as a reliable “default card” when you’re unsure which card to use.
Real-life example: If you’re paying for renovation deposits or a large holiday package, a flat cashback card can deliver value without extra planning.
How to maximise miles with the most popular UOB credit cards
Miles cards can be incredibly rewarding, but only if you earn miles on the right spending and avoid common traps like missing bonus categories or earning a low base rate.
Here’s how to maximise miles with the most popular UOB miles cards in this guide.
KrisFlyer UOB Credit Card: Best for Singapore Airlines loyalists
This card is a great option if you prefer earning KrisFlyer miles directly, especially if you frequently spend within the Singapore Airlines ecosystem.
To maximise your miles, use it for Singapore Airlines and Scoot purchases, plus eligible spending on KrisShop, Kris+, and Pelago. It’s also worth checking the card’s requirements for unlocking higher earn rates on everyday spend, so you don’t miss out on bonus miles.
Real-life example: If you fly Scoot once or twice a year and regularly use Kris+ dining offers, you can earn miles faster than you expect, even without being a frequent business traveller.
UOB PRVI Miles Card: Best for flexible miles across airlines
The UOB PRVI Miles Card is ideal if you want a strong general miles card that works across both local and overseas spending, without having to micromanage too many categories.
To maximise it, use it for overseas spending, travel bookings, and everyday transactions where you want a consistent earn rate. If you travel a few times a year, the miles earned from flights, hotels, and overseas shopping can build up steadily over time.
Real-life example: If you book your flights and hotels with PRVI Miles and use it for spending overseas, you can accumulate miles faster and potentially offset part of your next trip.
UOB Lady’s Card: Best for lifestyle miles in your chosen category
The UOB Lady’s Card can offer excellent miles value if your spending matches the category you choose, such as dining, fashion, travel, or beauty.
To maximise it, pick your bonus category based on what you genuinely spend the most on, rather than what sounds useful. If your lifestyle changes, you can adjust your category in future cycles so your rewards stay aligned with your spending.
Real-life example: If dining is your biggest monthly expense, choosing Dining as your bonus category can help you earn more miles on everyday meals, café visits, and weekend brunches.
Frequently asked questions about UOB credit cards
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UOB Lady’s Card / Lady’s Solitaire Card
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KrisFlyer UOB Credit Card
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UOB Preferred Platinum Visa Card
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UOB PRVI Miles Visa Card / World Mastercard / American Express Card
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UOB Absolute Cashback Card
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UOB UnionPay Platinum Card
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UOB Visa Infinite Metal Card
The following UOB credit cards have no minimum spend:
In Singapore, UOB offers instant approval for new-to-bank Singaporean or PR applicants who use MyInfo to complete their applications for UOB credit cards between 7:00 am and 8:00 pm.
The UOB EVOL card waives the annual fee, as long as you make a minimum of 3 transactions every month for 12 consecutive months, prior to your card annual fee charge.
Credit card application resources
Need a card that matches how you spend and live? Check out our top recommendations by category below: