Up to 10% Cashback
10% Cashback
on Online, Mobile Contactless, Overseas in-store FX spend
Up to S$80
Cash Back Cap per month
Min. Spend per month
Online Promo
Get an Apple Watch SE 2nd Gen with CASETiFY Impact Band (worth S$453) when you are the first 50 new-to-UOB credit card customers in each calendar month from 7 June 2024 to 31 July 2024 to successfully apply and spend a min. of S$1,000 per month for the 2 first consecutive months from their card approval date. T&Cs apply.
Valid until 31 Jul 2024 - See more details below

Are you eligible?

    • This Promotion is only open to individuals who are new-to-UOB credit cards
    • Spend a total of at least S$1,000 in Eligible Transactions per month for 2 consecutive months

What you need to know

  1. Register by sending an SMS to 77862 with: EVOLGIFT<space>Last 4 alphanumeric characters of your NRIC

Quick Facts

Get the maximum value by

Using this card for online/mobile contactless spend, and overseas in-store FX spend

Good for

First jobbers, no annual fee when you make a min. 3 transactions per month for 12 consecutive months prior to your card anniversary date

Categories to maximise this card

Online, Mobile contactless spend; and overseas in-store FX spend

What people use it for

Online shopping, Apple Pay, Google Pay, Samsung Pay and Overseas Spend transactions

Get if

Digital lifestyle, prefers going cashless. Prefers cashback for oveseas spend and enjoys hassle free no annual fee card

All Details

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.

UOB EVOL Card Review 2024

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. Since 2021, despite undergoing a revamp, it continues to maintain its up to 8% cashback on a much wider range of spending categories, but is limited to online and mobile ones.

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


  • Up to 8% cashback on online and mobile contactless spend
  • 0.3% base cashback on all spending
  • No annual fees (with minimum 3 transactions per month consecutively for a year)
  • Up to 100% of electricity carbon footprint can be offset and flexibility to convert 1% of SP Utilities bill amount into complimentary My Green Credits
  • Annual fee waiver available for first year only
  • Access to shopping, dining and travel deals, weekly UOB Coupons, and more within UOB Rewards+ on UOB TMRW


  • Interest rate of 27.80%, which is higher than other cashback credit cards in the market
  • A minimum spending of S$600 is required to earn up to 8% cashback
  • S$60 cashback cap per month

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 8% 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
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:
  • Up to 8% 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
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 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!

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

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).