Compare the Best UOB Credit Cards in Singapore 2018

Updated July 2018

Looking for the best UOB credit card in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.

UOB YOLO Credit Card
UOB YOLO Credit Card

Up to 12%

Cash Back All Week on Grab, Dining and Entertainment

Up to S$100

Cash Back Cap per month

S$600

Min. Spend per month

  • Get up to $250 cash credit when you apply online

Key Features

  • 12% cash rebate All Week on Grab, Dining and Entertainment
  • 8% cash rebate on weekend Grab, Dining and Entertainment and 3% for weekday for existing Cardmembers
  • 3% cash rebate on Online Travel and Online Fashion
  • Kickstart your investment journey with the Young Professionals Solution by pairing with your YOLO Credit Card and UOB One Account where you can earn up to 3.33% p.a. deposit interest rate
  • Up to 13% off at Expedia, Agoda, and free travel insurance coverage (up to S$500,000)

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
N/A
Fee Waiver
1 year fee waiver for Principal card, free first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
UOB PRVI Miles Card
UOB PRVI Miles Card

S$1 = 1.4 Miles

Local Spend

S$1 = 2.4 Miles

Overseas Spend

S$1 = 6 Miles

Selected Online Hotel and Flight bookings

  • Receive up to 10,000 Welcome Miles (Valid till 31 July 2018)

Key Features

  • $1 = 6 miles for spends on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
  • $1 = 1.4 miles (Local spend)
  • $1 = 2.4 miles (Overseas spend)
  • No minimum spend and no cap on earned miles

Annual Rates

Principle Annual Fee
$257
Supplementary Annual Fee
128.4
Fee Waiver
1 year fee waiver, free first 2 supplementary cards
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
UOB Delight Card
UOB Delight Card

Up to 8%

Cash Back at Selected Grocery Stores

S$50

Cash Back Cap per month

S$800

Min. Spend per month

  • Get up to $250 cash credit when you apply online and for the One Account

Key Features

  • Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian
  • Up to 3% rebate on ALL contactless payments and selected recurring bills
  • 10% discount on house brands at Cold Storage, Giant, and Guardian
  • Get up to $250 cash credit when you sign up for the Delight Card. Valid till 30 Sept 2018 for the first 500 new customers only. T&Cs apply.

Annual Rates

Principle Annual Fee
$86
Supplementary Annual Fee
53.5
Fee Waiver
1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
UOB Lady's Card
UOB Lady's Card

S$5 = 5X UNI$

on Overseas & Online Shopping & Taxi Rides

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

  • Get up to $250 cash credit when you sign up for the Lady's Card

Key Features

  • 5X UNI$ on your shopping and taxi rides
  • UOB Lady’s LuxePay Plan: 6 or 12-month instalment plan with no interest or processing fees
  • Complimentary weekend parking at [email protected], Forum the Shopping Mall, Paragon, Scotts Square, Shaw Centre and Shaw House. Valid till 31 Dec 2018.
  • Get up to $250 cash credit when you sign up for the Lady's Card and One Account. Valid till 30 Sept 2018 for new customers only. T&Cs apply.

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
UOB One Card
UOB One Card

Up to 5%

Cash Back on All Spend

S$300

Cash Back Cap per quarter

S$2000

Min. Spend per month, per quarter

  • Get up to $250 Cash Credit when you apply online

Key Features

  • Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
  • Up to 24% savings on fuel purchases at SPC and 20.8% at Shell Stations
  • Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme at over 400 participating merchants
  • First year annual fee waiver

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
1st supplementary card free; $96.30 for subsequent cards
Fee Waiver
1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
UOB Preferred Platinum Visa Card
UOB Preferred Platinum Visa Card

S$5 = 10X UNI$

on Online Shopping, Entertainment & Contactless Payments

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

Key Features

  • 10X UNI$ on online purchases and entertainment
  • 10X UNI$ on Visa payWave
  • Earn SMART$ rebates at over 400 participating outlets and use it to offset your next purchase

Annual Rates

Principle Annual Fee
$193
Supplementary Annual Fee
96.3
Fee Waiver
1 year fee waiver for Principal and second Supplementary card, perpetual fee waiver for first supplementary card
Annual Interest Rate
25.90%

Eligibility

Singaporean Minimum Income
$30,000
Non-Singaporean Minimum Income
$40,000
All results loaded

The Best Credit Card for You? 3 Steps to Help You Decide

The best credit card for you depends on your lifestyle and regular spending habits. Here are 3 steps to help you decide which credit card is best for you.

Step 1

Find a card that fits your spending habits

Think about your current lifestyle and spending habits. What are the things you spend the most money on? For example, if you’re a real foodie and spend a lot on dining out, then it makes sense to get a card with double rewards points for eating out and useful perks like 1-for-1 deals at restaurants.

Step 2

Plan how to use your credit card benefits

Credit cards come with a whole plethora of benefits for cardholders. You’ll need to narrow things down by focusing on the benefits that you would actually use. Do you want to collect air miles and fund your upcoming travels? Or accumulate points for shopping vouchers? Or would you rather enjoy cash rebates? This is a deeply personal matter, so it’s worth considering how you like to be rewarded.

Step 3

Check the Terms & Conditions

Now that you’ve got a shortlist of credit cards, it’s time to dig deeper into the details of the rewards or air miles programmes. Find out all you can about terms and conditions like expiry dates, exclusions, minimum spend, credit limit, etc. Be sure to ask a bank rep to clarify if you don’t see answers anywhere.

Common Credit Card Fees

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Balance Transfer Fees

Charged when you move a balance from one card to another, usually 2-4% of the amount transferred.

Cash Advance Fees

Some credit cards allow you to withdraw cash from ATMs, using your credit line. Be prepared to fork out up to 6% of the transaction amount, plus 2%+ daily charges on unpaid withdrawn balance.

Foreign Transaction Fees

Charged for transactions processed outside of Singapore, whether while you’re travelling or making an online purchase. This is usually 2.5% to 3% on top of the prevailing foreign exchange rate.

Did you know?

Paying the Minimum Balance Can Be Very Costly

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)!

Your Credit Card Behaviour Affects Your Credit Score

If you plan to apply for any kind of credit or loan (such as a housing loan or car loan) in the future, be aware that any “bad behaviour” with your credit card can come back to haunt you in the form of a bad credit score.

More From The MoneySmart Blog

Check out our blog for more personal finance tips and insights.

Frequently Asked Questions

How do credit cards work?

A credit card is basically a way to borrow money from a bank to make purchases. Unlike a bank loan, a credit card “loans” money in smaller amounts and on a short-term basis, requiring you to pay the bank back monthly (or be subject to unpleasant penalties and interest fees). The biggest payment networks are MasterCard, VISA and American Express, but do note that merchants may not accept all types.

How do I apply for a credit card?

Simply fill out an application online or at a bank branch and submit the required documents such as proof of income. After approval, the bank will inform you about how much you are allowed to borrow and mail you your new credit card. You’ll need to activate the credit card as well as sign on the back.

What’s the difference between debit cards and credit cards?

Unlike credit cards, debit cards do not involve any borrowing. They are linked to your bank account, so purchases made on your debit card are paid for by deducting straight from your funds. You must have sufficient funds on hand to use your debit card. If you have a credit card, you can borrow the money for the time being and pay it back later.

How to prevent credit card fraud?

There’s no sure-fire way to prevent credit card fraud, so unfortunately holding a credit card also means being vigilant about making sure it doesn’t end up in the wrong hands. Make use of credit card alerts, monitor your transactions closely, be wary of phishing scams and don’t make it easy for others to get hold of your credit card information.

What should I do with my credit card statement?

It might not be the most fun thing to read, but it IS super important to understand your credit card statement. So don’t throw it away without checking it. Of course, after reading the statement you will have to pay your bill – typically through online banking, though some people use ATMs, SAMs, AXS machines or go to the bank in person.