UOB One Card Rating & Review 2019 - Singapore

Key features

Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
Up to 24% savings on fuel purchases at SPC and 20.8% at Shell Stations
Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme at over 400 participating merchants
First year annual fee waiver

Cash Back

Excellent

Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme

Petrol

Excellent

Bill Payment

Excellent

Up to 3.3% cash rebate on all spend including recurring telco bills from Singtel, Starhub and M1
Up to 3.3% cash rebate when you pay your regular policy premiums from Prudential Insurance
To qualify, spend at least S$500 (min 5 card transactions) per each statement month for the quarter
Rebate capped at S$50/quarter for the above mentioned spending requirement.
Unlock cash rebate up to 5% on all spend (capped at S$300/quarter) with a min. spend of S$2,000 (min 5 card transactions) per each statement month for the quarter
Quarterly cash rebate for the first quarter may be awarded on a pro-rated basis. Bank Terms and Conditions apply
1 year annual fee waiver of S$192.60

Grocery

Very Good

Up to 5% cash rebate on all spend each quarter (min. spend $2,000/month for all 3 months)
Up to 3.33% cash rebate on all spend each quarter (min. spend $500/month or $1,000/month for all 3 months)

Dining

Very Good

Up to 5% cash rebate on all spend each quarter (min. spend $2,000/month for all 3 months)
Up to 3.33% cash rebate on all spend each quarter (min. spend $500/month or $1,000/month for all 3 months)
Enjoy up to 50% off with UOB dining privileges (e.g. 1-for-1 buffet at Marriott Café Buffet, Orchard Café and Café Mosaic)

Shopping

Very Good

Up to 5% cash rebate on all spend each quarter (min. spend $2,000/month for all 3 months)
Up to 3.33% cash rebate on all spend each quarter (min. spend $500/month or $1,000/month for all 3 months)
Up to 10% SMART$ rebate at over 400 merchants

Terms and conditions

Interest Rate & Late Payment Fees
Annual Principal Fee	$193
Supplementary Annual Fee	1st supplementary card free; $96.30 for subsequent cards
Fee Waiver	Available
Interest Free Period	21 days
Annual Interest Rate	25.90%
Late Payment Fees	S$90
Minimum Monthly Repayment	3% of S$50, whichever is higher
Foreign Currency Transaction Fee	2.80%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6%
Overlimit Fee	$40

Eligibility
Singaporean Minimum Income	$30,000
Non-Singaporean Minimum Income	$40,000

Other
Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay