S$1 = 1X yuu Point

No limit. No Cap.

up to 30X yuu Points

On your daily spend

Unlimited

Points Cap

All Details

• Key Features

  • Enjoy 5% cash rebates/ 10x yuu Points at yuu merchants with no min. spend no cap

  • Earn additional bonus 13% cash rebates / 26x yuu Points on your yuu merchant spend when you hit S$600 total Qualified Spend in a calendar month

  • Earn 0.5% cash rebates / 1x yuu Point on all other spend

  • Great for daily essentials like groceries, dining, telco and recreation

  • yuu merchant includes Cold Storage, Giant, Guardian, BreadTalk, ToastBox, Food Republic, Food Junction, Mandai Wildlife Group and many more.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Rewards

• Enjoy 5% cash rebates/ 10x yuu Points at yuu merchants with no min. spend no cap

Grocery

• Enjoy 5% cash rebates/ 10x yuu Points at yuu merchants with no min. spend no cap

• Earn additional bonus 13% cash rebates / 26x yuu Points on your yuu merchant spend when you hit S$600 total Qualified Spend in a calendar month

• yuu merchant includes Cold Storage, Giant, Guardian, BreadTalk, ToastBox, Food Republic, Food Junction, Mandai Wildlife Group and many more.

Dining

• Enjoy 5% cash rebates/ 10x yuu Points at yuu merchants with no min. spend no cap

• Earn additional bonus 13% cash rebates / 26x yuu Points on your yuu merchant spend when you hit S$600 total Qualified Spend in a calendar month

• yuu merchant includes Cold Storage, Giant, Guardian, BreadTalk, ToastBox, Food Republic, Food Junction, Mandai Wildlife Group and many more.

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40(inclusive of GST)
Supplementary Annual Fee	S$97.20 (inclusive of GST)
Fee Waiver	First year waived
Interest Free Period	25 days
Annual Interest Rate	26.8%
Late Payment Fees	S$100 for outstanding balance above S$50
Minimum Monthly Repayment	3% of statement balance or S$50 (whichever is greater)
Foreign Currency Transaction Fee	3.25%
Cash Advance Transaction Fee	8% of the amount withdrawn per transaction or S$15 (whichever is greater)
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$45,000

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name and Address
Income Tax Notice of Assessment	At least 1 year
Latest Original Computerised Payslip	Yes

Card Association

American Express

Wireless Payment

Samsung Pay
Google Pay