Compare the Best UOB Credit Cards in Singapore 2018

Updated November 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.

Popular UOB Credit Cards

UOB YOLO Credit Card
UOB YOLO Credit Card

Up to 18%

on Online Spend

Up to S$80

Cash Back Cap per month

S$600

Min. Spend per month

  • Get up to $170 cash credit when you apply online and for the One Account

Key Features

  • Enjoy bonus 10% cashback on all online spend till 31 Dec 2018
  • Up to 8% cashback on Grab, Dining and Entertainment (8% cashback for weekend Grab, Dining and Entertainment and 3% cashback for weekday Grab, Dining, and Entertainment for up to 18% cashback)
  • 3% cash back on Online Travel and Fashion (for up to 13% cashback)
  • Minimum spend: S$600
  • Total cash back cap: S$80 per month. S$80 cash back consists of S$60 base cash back and S$20 bonus cash back
  • 1 year principal card fee waiver; no annual fees for first supplementary card
  • Minimum spend of S$600 per statement month for 8% and 3% cash back, otherwise 0.3% cash back earned on all spend

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
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 $170 cash credit when you apply online and for the One Account

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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee1st supplementary card free; $96.30 for subsequent cards
Fee WaiverAvailable
Minimum Monthly Repayment3% of S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
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

  • Get up to $120 cash credit when you apply online

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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$257
Supplementary Annual Fee128.4
Fee Waiver1 year fee waiver, free first 2 supplementary cards
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationMasterCard, Visa, American Express
Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
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 $120 cash credit when you apply online

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 $120 cash credit when you sign up for the Delight Card. Valid till 31 Dec 2018 for the first 1,000 new customers only. T&Cs apply.

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$86
Supplementary Annual Fee53.5
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
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 $170 cash credit when you apply online and for the One Account

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 $170 cash credit when you sign up for the Lady's Card and One Account. Valid till 31 December 2018 for new customers only. T&Cs apply.

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
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 Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
All results loaded

Best UOB Credit Cards 2018

UOB Credit Card Rewards

You can either get cash rebates, rewards or air miles when you use a UOB credit card for your purchases.

UOB cash rebates

UOB YOLO Card nets you up to 8% cashback when you spend on Grab rides, dining and entertainment on weekends and up to 3% when you do so on weekdays. You also get up to 13% cashback on online travel and fashion spending till 31 Dec 2018. UOB One Card gets you up to 5% cashback on all spending when you spend above $2,000 per month in a quarter. UOB Delight Card entitles you to up to 8% cashback on groceries at Cold Storage, Market Place, Jasons, Giant and Guardian, and 3% cashback when you use the card to pay recurring bills or make contactless payments.

UOB Island of Rewards

UOB’s rewards programme lets you redeem points for shopping, travel and dining vouchers. Highlights include $100 Club 21 vouchers, $50 Lawry’s The Prime Rib vouchers and $50 Jetstar e-vouchers. To redeem, log on to the UOB Island of Rewards portal or use the UOB Mighty App. Alternatively, you can call the UOB hotline 1800 222 2121 with the reward code to redeem.

UOB Miles Redemption

With the UOB PRVI Miles Card, you can earn 1.4 miles for every $1 spent locally and 2.4 miles for every $1 spent overseas. The miles are earned as UNI$. You can convert blocks of 5,000 UNI$ into KrisFlyer miles at a ratio of 1 UNI$ to 2 Krisflyer miles. You will be charged $25 for each miles redemption.

UOB Credit Card Promotions

When you sign up for a UOB card online, you receive $120 which can be spent at more than 200 merchants including Singapore Airlines, Scoot, Singtel, Grab, SPC and TungLok. UOB cardholders are also entitled to 20% to 30% discount when dining at Pan Pacific and ParkRoyal hotels in Singapore. From now until 31 March 2019, you can also enjoy an additional 10% off when you book hotels worldwide via Expedia using UOB credit cards.

More From The MoneySmart Blog

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

UOB Credit Card Overseas Activation

Before you go overseas, apply to enable your UOB credit card for overseas card use or via phone at 6386 8188. You can also apply via UOB ATM machines, by visiting a branch or by sending them the overseas card use form by mail.

UOB Credit Card Hotline

If you need to speak with a customer service officer via phone to report the loss of credit card or apply for credit card fee waivers, call the UOB credit card hotline at 1800 222 2121

Frequently Asked Questions

Which UOB credit card is the best?

The UOB One Card has the highest flat-rate cashback awards in the country. It is a fuss-free credit card as you do not have to closely track your spending. If you are someone who is consistent with your monthly expenditure, you will be able to get 3.3% to 5% cash back depending on the amount you spend on. If you are looking for an air miles credit card, the UOB PRVI Miles American Express Credit Card generates one of the highest conversion rate in the market at 1.4 miles per $1 spent locally and 2.4 miles per $1 spent overseas.

How do I get a UOB credit card?

You can apply for a UOB credit card online via the UOB page or and get real-time approval via SMS. You will need to use your SingPass to authenticate your identity and fill up basic information about yourself. Or, compare UOB credit cards above and apply via MoneySmart.

What is UOB CashPlus Visa Card?

UOB CashPlus is a credit card you can use to withdraw cash at over 40 UOB branches and Visa ATMs in Singapore. You can borrow cash at a relatively low personal loan rate of 5.75% per annum (EIR 10.45% per annum). Receive up to 10% cash rebate on purchases made via the UOB CashPlus Visa Card until 31 December 2018.