Great platform to gain saving and special bonuses for credit cards and insurances! Thanks so much!!
MoneySmart Exclusive
Up to 10% Cashback
Up to 10% Cashback
UOB EVOL Credit Card
Apply now and redeem any of these:
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MoneySmart Exclusive
S$60 Cash via PayNow
S$60 Cash via PayNow
MoneySmart Exclusive
[MoneySmart Offer]
Get guaranteed S$60 Cash - when you are a New-To-UOB customer and spend S$500 within 30 days! T&Cs apply.
Dive into spooktacular Halloween rewards with MoneySmart! Each day, the first 10 fastest claimants snatch exclusive Flash Deal prizes—from iPhone 18 Pro, MacBook Neo, Switch 2, PS5 and more—on top of your baseline reward!
Valid till 31 Oct 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 10-October-2026 to 31-October-2026
Customers need to apply through MoneySmart to be eligible.
MoneySmart Exclusive Gift: Spend at least S$500 worth of eligible transactions within 30 days from card approval date
UOB Welcome Offer Gift: Spend a minimum of S$1,000 worth of Eligible Transactions per month, for 2 consecutive months to be eligible for the reward
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 November 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$60 Cash via PayNow[MoneySmart Halloween Ghost Gifts Promotion 2026]
This Halloween, unlock a treasure trove of ghostly gifts just for you! Claim your spooky reward like the Apple iPhone 18 Pro, MacBook Neo, Sony PlayStation 5, Nintendo Switch 2, Apple Watch Series 12, or Apple AirPods 5 — or simply grab S$5 cash via PayNow! Hurry, these ghoulish treasures vanish after October 31st, so don't miss out on your ultimate Halloween treat![MoneySmart Halloween Ghost Gifts Promotion 2026]
Be among the first 10 eligible customers each day during 10-31 October 2026 to submit the MoneySmart Claim Form, to qualify for Flash Deal prizesMoneySmart Exclusive Baseline Gift will be fulfilled 6 months after the end of the campaign period month (31 October 2026)
Card Details
Good For
Ideal for digital natives who want cashback on online and mobile contactless payments.
Travellers who are looking to maximise their travel spending with up to 1% cashback on overseas transactions
Great for those who appreciate no annual fees by hitting minimum spend of at least 3 transactions monthly.
Suited for individuals seeking rewards on overseas purchases made in foreign currencies.
Things To Note
Missing minimum monthly spend leads to reduced cashback, costing you rewards on your UOB EVOL card.
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
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UOB EVOL Card Review: Cashback, Fees and How It Works
The UOB EVOL Credit Card is a no-annual-fee Visa cashback card for first jobbers and digital natives who pay mostly online or by mobile wallet. Here’s how its cashback works, what it costs, how it compares with other UOB cards and how to apply.
UOB EVOL Credit Card at a Glance
Here are the card’s key features and requirements:
Feature | Details |
Cashback | 10% on local online, mobile contactless and selected gym, telco and streaming spend (min. $800 spend per statement month) |
Minimum spend | Min. $800 per statement month |
Monthly cashback cap | $80 per statement month |
Overseas spend | 0% FX fees, plus up to 1% cashback until 31 Dec 2026 |
Annual fee | $0 for principal and supplementary cards |
Mobile wallets | Apple Pay, Samsung Pay, Google Pay |
Eligibility | Aged 21 and above |
Pros and Cons of UOB EVOL Credit Card
Here are the card’s main strengths and trade-offs:
Pros ✅ | Cons ❌ |
10% cashback on local online, mobile contactless and selected gym, telco and streaming spend | Requires an $800 minimum spend every statement month to access 10% cashback |
0% FX fees on overseas foreign-currency spend, plus up to 1% cashback until 31 Dec 2026 | Cashback caps are split by category ($80 a month in total), limiting returns on very high digital spend |
No annual fee for principal and supplementary cards | Merchant classification and exclusions mean not all digital-looking transactions earn 10% cashback |
Works with Apple Pay, Samsung Pay, Google Pay and Visa contactless | Lower value for mostly offline, cash-based or physical-card spending |
How UOB EVOL Credit Card Cashback Works
Cashback is where the UOB EVOL card’s value sits, but it comes with conditions.
Cashback rates and monthly caps
You need to charge at least $800 in a statement month (not calendar month) to unlock 10% cashback:
Spend category | Cashback rate (Min. $800 spend) | Cashback rate (Below $800 spend) | Monthly cap |
Local online and mobile contactless | 10% | 0.3% | $30 |
Selected gym, telco and streaming | 10% | 0.3% | $20 |
Other spend | 0.3% | 0.3% | $30 |
Total (local spend) | – | – | $80 |
Overseas foreign currency spend sits outside these caps. Once you hit a category cap, further spend in that category earns no more cashback until the next statement month.
Eligible spend categories
Whether a transaction counts depends on how the merchant is coded and how UOB’s systems classify it, not just how “online” it feels. Some in-app or wallet-based payments may be treated as standard offline retail and earn only base cashback.
In this case, eligible 10% cashback spend includes:
- Online spend: Website and in-app purchases processed locally in Singapore as online transactions, including ride-hailing, food delivery and grocery delivery
- Mobile contactless spend: In-store payments in Singapore via Apple Pay, Samsung Pay, Google Pay and other wallets UOB designates
- Selected gym, telco and streaming spend: Merchants such as Anytime Fitness, Virgin Active, ClassPass, Singtel, StarHub, M1, Netflix, Spotify and Disney+
UOB merchant category code (MCC) exclusions
Excluded transactions earn no cashback and don’t count towards the $800 minimum spend.
UOB’s exclusions for EVOL include:
- Payments to government agencies, schools and charities
- Insurance premiums, utilities and gambling transactions
- EZ-Link top-ups and payments via platforms such as PayPal trading and Skrill
- Cash advances, balance and fund transfers, NETS transactions, 0% instalment plans and SmartPay instalments
- Spend at Shell and SPC petrol stations, plus all fees, interest and charges
⭐ UOB can add exclusions from time to time, so always check its latest list.
UOB EVOL Card Fees and Charges
Fees and interest can quickly eat into any cashback you earn on the UOB EVOL card.
Fee type | Amount |
Annual fee | $0 for principal and supplementary cards (from 1 July 2026), with no minimum spend required |
Annual interest rate | 27.80% on unpaid statement balances, with a 21-day interest-free period |
Minimum monthly repayment | 3% or $50, whichever is higher |
Late payment fee | $100 when the minimum payment isn’t received by the due date |
Foreign currency transaction fee | 0% on overseas spend charged in foreign currency |
International processing fee | 1% on transactions charged in SGD but processed outside Singapore |
Cash advance fee | 8% plus interest, making cash advances one of the most expensive ways to borrow |
Overlimit fee | $40 when your balance goes above your credit limit |
Paying your statement balance in full and on time, and avoiding cash advances, keeps these costs from cancelling out your cashback.
UOB EVOL foreign transaction fee and overseas cashback
Overseas transaction | Fee | Cashback (until 31 Dec 2026) |
In-store or online, charged in foreign currency | 0% FX fee | 1% (0.5% in China and Europe), with no min. spend and no cap. Overseas online spend earns this rate, not the 10% local online rate |
Charged in SGD but processed outside Singapore | 1% international processing fee | 0.3% as other spend, with no overseas cashback |
When you use the card overseas:
- Pay in the local currency instead of SGD, so you avoid dynamic currency conversion rates and the 1% processing fee
- Chip, contactless and online payments work overseas by default; enable magnetic stripe use in the UOB TMRW app if you need to swipe or use ATMs
💡 MoneySmart Tip: If you travel often, pair EVOL with one of the best credit cards for overseas spending for air miles or travel perks.
Tips to Maximise UOB EVOL Cashback
Want to make the most out of your UOB EVOL cashback? Consider following these card tips:
✅ Check that your usual digital spend reaches $800 a month without buying things you don’t need
✅ Route qualifying telco, streaming and gym bills through UOB EVOL so part of your minimum spend is automatic each month
✅ Set EVOL as your default card in the apps and mobile wallets you use most
✅ Time big online purchases so they post in the statement month where you still need to hit the minimum spend
✅ Use an unlimited (flat) cashback card such as the UOB Absolute Cashback Card for excluded spend or spend that earns only 0.3% on EVOL
✅ Avoid spreading spend across too many cards, or you may miss the minimum on all of them
✅ Check each statement for the cashback earned in each category, and for any late fees or interest
UOB EVOL vs UOB One vs UOB Absolute Cashback: Card Comparison
Here’s how UOB EVOL compares with UOB’s two other cashback cards:
Feature | |||
Card network | Visa | Visa | American Express |
Main cashback | 10% on local online, mobile contactless and selected gym, telco and streaming spend 0.3% on other spend | Up to 10% at McDonald’s, Shopee, Grab and SimplyGo Up to 8% on groceries Up to 3.33% on all retail spend | 1.7% on most spend 0.3% on usually excluded spend such as utilities and education |
Min. spend | $800 per statement month | $600, $1,000 or $2,000 per statement month, with at least 10 transactions each month | None |
Cashback cap | $80 per statement month; cashback paid monthly | Fixed by spend tier; cashback paid quarterly | No cap; cashback paid monthly |
Annual fee | $0 | $196.20 (1st year waived) | $196.20 (1st year waived) |
FX fee | 0% | 3.25% | 3.25% |
Min. annual income | $30,000 (Singaporeans/PRs), $40,000 (foreigners) | $30,000 (Singaporeans/PRs), $40,000 (foreigners) | $30,000 (Singaporeans/PRs), $40,000 (foreigners) |
Best for | Online and mobile wallet spenders who hit $800 a month | Steady spenders at UOB One’s partner merchants | Anyone who wants flat cashback without tracking |
How to Apply for UOB EVOL Card on MoneySmart: Step-by-Step Guide
Eligibility
Check that you meet UOB’s eligibility criteria before you apply:
Criteria | Details |
Age | 21 and above |
Min. annual income (Singaporeans/PRs) |
|
Min. annual income (Foreigners) | $40,000 |
Documents required | Singaporeans/PRs
Foreigners
|
The exact income documents depend on whether you’re salaried, self-employed or retired. Next, follow these application steps:
Application guide
Step | Action | Details |
1 | Compare cards on MoneySmart | Use MoneySmart’s credit card comparison tool to compare the UOB EVOL Credit Card with alternatives like the UOB One Card and UOB Absolute Cashback Card. |
2 | Apply for the card | Press “Apply Now” and fill in your personal, employment and financial details. |
3 | Wait for approval | UOB reviews your application and may ask for additional documents before deciding. |
4 | Activate and add to your wallet | Once your card arrives, activate it on the UOB TMRW app (Accounts > Select card > “Activate now”) or by SMS to 71423. Next, add it to your mobile wallet (e.g. Apple Pay, Samsung Pay, Google Pay) so to start earning cashback on eligible transactions. |
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Find the Right Cashback Credit Card for Your Spending
Spend mostly online or by mobile wallet? Compare the UOB EVOL card with other cashback credit cards on MoneySmart and pick the one that matches how you pay.
FAQs About the UOB EVOL Credit Card
Is the UOB EVOL card worth it?
Yes, if you spend at least $800 a month and most of it is online or by mobile wallet. If your spending is irregular or mostly offline, an unlimited cashback card like the UOB Absolute Cashback Card (1.7%, no minimum spend) is easier to get value from.
How does UOB EVOL cashback work?
Once you spend at least $800 in a statement month, UOB EVOL pays:
- 10% on local online and mobile contactless spend (capped at $30)
- 10% on selected gym, telco and streaming spend (capped at $20)
- 0.3% on other spend (capped at $30)
Cashback is credited the following month to offset your bill. If you miss the $800 minimum spend, all spend (even if eligible) will only earn the base 0.3% cashback.
Does the UOB EVOL card have an annual fee?
No. Since 1 July 2026, UOB EVOL has had no annual fee for principal or supplementary cards, with no spend needed to keep it waived. Before then, the $196.20 fee was waived only if you made at least 3 transactions a month.
Does UOB EVOL charge foreign transaction fees?
No. Overseas spend charged in foreign currency has 0% FX fees and, until 31 Dec 2026, earns 1% cashback (0.5% in China and Europe) with no minimum spend or cap. Transactions charged in SGD but processed overseas incur a 1% fee.
Which is better, UOB EVOL or UOB One Card?
It depends on how you spend. The UOB EVOL Card suits online and mobile wallet spenders, paying 10% monthly once you spend $800. The UOB One Card suits steady everyday spenders, paying tiered quarterly cashback when you spend $600, $1,000 or $2,000 with at least 10 transactions each month.
How do I activate my UOB credit card for overseas use?
Only swipe and overseas ATM use need activating, as chip, contactless and online payments work overseas by default. Enable magnetic stripe use in the UOB TMRW app or UOB Personal Internet Banking, or call UOB’s 24-hour hotline at +65 6386 8188.
How do I activate my UOB EVOL card?
Use any of these three methods:
- UOB TMRW app: Go to Accounts, select your card and tap “Activate now”
- SMS: Send ACTVC, a space and your card’s last 4 digits to 71423 from your registered mobile number
- Online: Log in to UOB Personal Internet Banking
For overseas use, chip, contactless and online payments work by default. To swipe your card or use overseas ATMs, enable magnetic stripe use in the UOB TMRW app or call UOB’s 24-hour hotline at +65 6386 8188.
How do I pay my UOB EVOL credit card bill?
You can pay through any of these channels:
- UOB TMRW app or Personal Internet Banking: Instant, from a UOB account
- FAST transfer: From DBS/POSB, OCBC, Citibank or HSBC to “UNITED OVERSEAS BANK LTD”, taking up to 3 working days
- Other options: GIRO, AXS machines or UOB ATMs