UOB EVOL Credit Card
UOB EVOL Credit Card
Up to 10% Cashback
- 10% Cashback
- on Online, Mobile Contactless, Overseas in-store FX spend
- Up to S$80
- Cash Back Cap per month
- S$800
- Min. Spend per month
Online Promo
Get S$350 cash credit when you are the first 200 new-to-UOB credit card customers in April 2025 who successfully apply for an eligible UOB Credit Card between 1 April 2025 and 30 April 2025 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.
Are you eligible?
- Only open to individuals who are new to United Overseas Bank Limited (“UOB”) credit cards.
- You must accumulate a minimum of S$1,000 worth of Eligible Transactions per month, for 2 consecutive months.
What you need to know
- Promotion is only limited to the first 200 successful applicants who meet the spend criteria per month.
- You are only entitled to redeem one (1) Gift, regardless of the number of UOB Cards applied for under this Promotion.
All 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, you can receive 10% 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.
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
- 10% 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
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
Find Out More About The UOB EVOL Credit Card In Our Blog Review!
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.
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 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:
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Cashback benefits:
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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 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).