Are there any fees if I apply for the UOB Absolute Cashback Card?

The UOB Absolute Cashback Card charges an annual fee of $196.20 (first year waiver available) and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.

Am I eligible for the UOB Absolute Cashback Card?

If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB Absolute Cashback Card, as long as you’re aged between 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $40,000 (for foreigners).

MoneySmart Exclusive

Unlimited 1.7% Cashback

UOB Absolute Cashback Card

UOB Absolute Cashback shines with its straightforward 1.7% cashback on almost everything, local or overseas – ideal if you dislike tracking categories. While NETS transactions and specific spend like utilities earn a lower 0.3%, the lack of minimum spend and cashback caps are a huge plus. This card suits those seeking simplicity and high cashback on big-ticket items like electronics or home furnishings.

1.7%

Cash Back on Eligible Spend

^S$0

Min. Spend per month

Unlimited

Cash Back Cap

MoneySmart Exclusive

Grab S$30 Cash when apply for select UOB credit cards through MoneySmart! Activate the card by 14 July, and make just one eligible transaction within 30 days from approval. Your reward will be waiting 6 months after the campaign ends — a simple, rewarding way to start your new credit journey! T&Cs apply.

PLUS get a Samsonite EVOA Z Spinner 25” Expandable (worth S$600) when you apply and spend a min. of S$2,000 per month for 2 consecutive months from card approval date. T&Cs apply.

Valid till 30 Jun 2026

ARE YOU ELIGIBLE?

MoneySmart Exclusive Promotion is valid from 12-June-2026 to 30-June-2026
Customers need to apply through MoneySmart to be eligible.
MoneySmart Exclusive Gift: Make at least 1 transaction (no min spend) within 30 days from card approval date
UOB Welcome Offer Gift: Spend a min. of S$2,000 in Eligible Transactions for 2 consecutive months from card approval date
MoneySmart Exclusive Promotion and UOB Welcome Offer is only applicable for New-to-UOB credit card customers only
Log into your MoneySmart account and submit a claim by 30th July 2026 in order to qualify for our MoneySmart Exclusive offers.

WHAT YOU NEED TO KNOW

[Baseline Gift]
All Eligible Customers who meet the criteria will receive S$30 Cash via PayNow
MoneySmart Exclusive Gift will be fulfilled 6 months after the end of the campaign period month (30 June 2026)

T&Cs FAQ Claim Form

Card Details

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Pros & Cons Of UOB Absolute Cashback Card

Pros

1.7% unlimited cashback on groceries, insurance, home furnishings, electronics and luxury shopping
1.7% unlimited cashback on overseas spend
0.3% limitless cashback on categories like healthcare, school fees, utilities and telco bills, Grab mobile wallet top-up, and government services
Up to 14% fuel savings at Shell
Up to 15% fuel savings at SPC
Annual fee waiver available for first year only
Exclusive access to shopping offers, travel deals, weekly UOB Coupons, and more within UOB Rewards+ on UOB TMRW

Cons

Interest rate of 27.80%, which is higher than other cashback credit cards in the market
Charges annual fee after the first year unlike other cashback credit cards like Standard Chartered Smart Credit Card and CIMB Visa Infinite Card

Compare UOB Absolute Cashback Card vs. HSBC Visa Platinum Card vs. Citi Cash Back + Card

The standout feature of the UOB Absolute Cashback Card is its uniform cashback rate on all expenditures, coupled with the absence of minimum spending prerequisites or cashback limitations.

Currently, it leads the pack as the most generous option in its category, particularly among entry-level cards in the market. When compared to the other popular cashback cards like HSBC Visa Platinum Card and Citi Cash Back+ Card, it furnishes a more generous 1.7% cashback on every purchase, making it a highly attractive choice for individuals seeking consistent rewards without the hassle of meeting minimum spending thresholds.

Although the HSBC Visa Platinum Card offers a higher cashback of up to 5% for spending on local dining and groceries (food deliveries and online groceries included), it still can’t match up to UOB Absolute Cashback Card’s greater flexibility in the cashback spending categories. Moreover, it has a minimum spending requirement of S$600 monthly in a calendar quarter to earn the 5% cashback.

When it comes to annual fee, the HSBC Visa Platinum charges the highest as compared to the UOB Absolute Cashback Card and Citi Cash Back+ Card. As for interest rate, the UOB Absolute Cashback Card is the most affordable, followed by Citi Cash Back+ Card, and lastly HSBC Visa Platinum.

UOB Absolute Cashback Card	HSBC Visa Platinum Card	Citi Cash Back + Card
Interest rate: From 27.80%	Interest rate: From 26.90%	Interest rate: From 27.90%
Annual fee: $196.20 (first year waiver available)	Annual fee: $196.20 (waiver available)	Annual fee: $196.20 (first year waiver available)
Minimum annual income: $30,000 for Singaporeans and PRs $40,000 for foreigners	Minimum annual income: $30,000-$40,000 for Singaporeans and PRs $40,000 for foreigners	Minimum annual income: $30,000 for Singaporeans and PRs $42,000 for foreigners
Cashback benefits: 1.7% unlimited cashback on groceries, insurance, home furnishings, electronics and luxury shopping 1.7% unlimited cashback on overseas spend 0.3% unlimited cashback on generally excluded categories i.e. utilities and telco bills, school fees, healthcare, Grab mobile wallet top-up, and government services Up to 14% to 15% fuel savings at Shell and SPC Exclusive access to UOB Rewards+ via the UOB TMRW mobile app that features weekly UOB Coupons, shopping offers, travel deals, dining promotions and more	Cashback benefits: 5% cash rebate on local dining and groceries (food deliveries and online groceries included Up to 21.15% fuel savings at Caltex and Shell 1X Reward point per dollar spent Annual fee waiver available Exclusive access to HSBC ENTERTAINER with HSBC Singapore mobile app, enjoy over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel	Cashback benefits: 1.6% cash back on eligible spend all year round No expiry for cash back earned 1X Reward point per dollar spent Earn 0.4% Bonus Cash Back on eligible spend (only valid for Citi Plus customers who are Primary Account Holders of a Citi Interest Booster Account Up to S$1 million coverage for purchases of travel tickets

Find Out More About The UOB Absolute Cashback Card In Our Blog Article!

Read Card Review

Step 1

Apply via MoneySmart’s credit cards page

You may begin your application by clicking on our UOB Absolute Cashback Card's application link.

When you choose to apply online via SingPass MyInfo, UOB will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

Step 2

Provide all documentation required

You’ll need to provide all the necessary documentation in order for UOB to approve your credit card application. This list of documents include:

NRIC or other identification details
Latest computerised payslip
Latest 12 months’ CPF Contribution History Statement
Latest Income Tax Notice of Assessment (NOA)

Step 3

Receive your UOB Absolute Cashback Card

You’ll be able to activate your UOB Absolute Cashback Card through UOB TMRW mobile app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions.

Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your UOB TMRW mobile app!

Frequently Asked Questions About UOB Absolute Cashback Card

Are there any fees if I apply for the UOB Absolute Cashback Card?: The UOB Absolute Cashback Card charges an annual fee of $196.20 (first year waiver available) and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
Am I eligible for the UOB Absolute Cashback Card?: If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB Absolute Cashback Card, as long as you’re aged between 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $40,000 (for foreigners).