UOB EVOL Credit Card
Up to 10% Cashback
Up to 10% Cashback

UOB EVOL Credit Card

10% Cashback
on Local Online, Mobile Contactless, Telco, Gym, Streaming spend
0%
FX Fees on overseas FX spend worldwide, with no min spend, no cap
S$800
Min. Spend per month for 10% cashback

Card Details

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UOB EVOL Card Benefits 2025

Formerly known as the UOB YOLO Card, the UOB EVOL Card previously offered significant cash rebates of up to 8% on dining, entertainment, online shopping, and travel – categories highly favored by Singaporean millennials. Now, it's a fuss-free cashback card designed for the digitally savvy, offering up to 10% cashback on local online shopping, mobile contactless payments, gym memberships, telco bills, and streaming services — plus no foreign transaction fees on overseas spend

Whether you’re totally clueless about the UOB EVOL Card or still contemplating to get it, let’s consider the requirements, pros and cons and other related factors before you decide on this card or other suitable credit cards.

Pros & Cons Of UOB EVOL Credit Card

Pros

  • Enjoy 0% FX fees on overseas foreign currency spend, with no min spend
  • Enjoy 10% cashback on local online and mobile contactless spend
  • Enjoy 10% cashback on selected gym, telco and streaming spend
  • Enjoy 1% cashback on overseas foreign currency spend ( till 31 Dec 2025)
  • 0.3 % base cashback on all spends
  • No annual fees )with minimum 3 transactoins per month consecutively for a year)
  • Access to shopping dining and travel deals, weekly coupons and more within UOB Rewards+ on UOB TRMW

Cons

  • Interest rate of 27.80%, which is higher than other cashback credit cards in the market
  • A minimum spending of S$800 is required to earn up to 10% cashback
  • S$80 cashback cap per month
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Find Out More About The UOB EVOL Credit Card In Our Blog Review!

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

The UOB EVOL Card is just one of the many cards out there that features cash back perks. There are also others like the HSBC Visa Platinum Card and Citi Cash Back+ Card which are among the popular cash back credit card options you would have come across on MoneySmart’s online credit card comparison wizard.

As we compare these 3 credit cards and have a closer look at their requirements and benefits, you’ll notice that the key factors, i.e. interest rates, annual fees, minimum annual income requirements and cash back benefits, may be similar or different

Among the 3 credit cards, the UOB EVOL Card gives you the highest percentage of cash back on your spending on any category - a generous 10% that is higher than the 5% and 1.6% you can get from HSBC Visa Platinum card and Citi Cash Back + card respectively.

However, both the UOB EVOL Card and HSBC Visa Platinum card require a minimum spending requirement of S$600 to earn the stipulated cashback benefits for each card. This is unlike the Citi Cash Back+ Card which does not have any minimum spend requirement and cashback cap per month.

In terms of interest rates and annual fees, all three cards charge the same annual fee of S$196.20 with waivers available (subject to certain spending or transaction requirements) and the HSBC Visa Platinum card offers you the lowest option of 26.90% as compared to the other two cards.

UOB EVOL CardHSBC Visa Platinum CardCiti Cash Back + Card
UOB EVOL CardInterest rate:
From 27.80%		HSBC Visa Platinum CardInterest rate:
From 26.90%		Citi Cash Back + CardInterest rate:
From 27.90%
UOB EVOL CardAnnual fee:
$196.20 (first year waiver available)		HSBC Visa Platinum CardAnnual fee:
$196.20 (waiver available)		Citi Cash Back + CardAnnual fee:
$196.20 (first year waiver available)
UOB EVOL CardMinimum annual income:
  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners
HSBC Visa Platinum CardMinimum annual income:
  • $30,000-$40,000 for Singaporeans and PRs
  • $40,000 for foreigners
Citi Cash Back + CardMinimum annual income:
  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners
UOB EVOL CardCashback benefits:
  • Up to 10% cashback on shopping, transport, dining, entertainment and more via online and mobile contactless spend
  • 0.3% base cashback on all spending
  • No annual fee charged only applicable when the minimum 3 transactions per month consecutively for a year is fulfilled
  • Flexibility to offset up to 100% of electricity carbon footprint, and convert 1% of SP Utilities bill amount into complimentary My Green Credits
  • Enjoy exclusive to UOB-only-members shopping, dining and travel deals, weekly UOB Coupons, and more within UOB Rewards+ on UOB TMRW
HSBC Visa Platinum CardCashback 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
Citi Cash Back + CardCashback Benefits:
  • 1.6% cash back on eligible spend all year round
  • No minimum spend required and no cap on cash back earned
  • No expiry for cash back earned
  • 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 About The Best Cashback Credit Cards In Our Blog Article!

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UOB EVOL Card Application

Here are 3 simple steps to apply for the UOB EVOL Card

Step 1

Apply via MoneySmart’s credit cards page

You may begin your application by clicking on our UOB EVOL 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 EVOL Card

You’ll be able to activate your UOB EVOL 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 EVOL Credit Card

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

The UOB EVOL 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 EVOL Card?

If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB EVOL 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).