UOB One Card
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Get S$30 Cash —no minimum spend required, just be a New-To-UOB Customer! T&Cs apply.
PLUS celebrate Singapore's birthday with a S$61 Cash Bonus when you are the first 10 customers to submit the claim form during the National Day Flash Deal! T&Cs apply.
Enjoy highest cashback of up to 20% on daily spend! T&Cs apply, and get S$100 Samsung e-vouchers when you spend a min. of S$1,000 in the first month from card approval, and 10% off at Samsung online store. T&Cs apply.
Valid till 14 Aug 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 01-August-2026 to 14-August-2026
Customers need to apply through MoneySmart to be eligible.
MoneySmart Exclusive Gift: Make at least 1 transaction (no min spend) within 30 days from card approval date
UOB Welcome Offer Gift: Spend a minimum of S$1,000 worth of Eligible Transactions in the first month to be eligible for the $100 Samsung e-voucher
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 14th September 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$30 Cash via PayNow[MoneySmart National Day Flash Deal]
Be among the first 10 eligible new-to-bank credit card customers daily to submit your claim through MoneySmart and score an extra S$61 Cash — stackable on top of your baseline gift. T&Cs apply.MoneySmart Exclusive Baseline Gift will be fulfilled 6 months after the end of the campaign period month (31 August 2026)
Card Details
Good For
Shoppers seeking high cashback rates at participating merchants like Shopee, Cold Storage, and 7-Eleven.
Commuters and everyday spenders aiming to maximize returns on Grab, SimplyGo, and Singapore Power utilities bills.
Consumers who consistently spend S$600 to S$2,000 monthly and want to track expenses for cashback rewards.
Things To Note
High interest at 27.8% annually is charged on unpaid balances; avoid carrying balances to minimise costs.
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UOB One Credit Card Benefits
Some notable highlights include up to 10% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee; up to 8% cashback on all grocery spend; and up to 4.33% cashback on SP Group bills.
In this review, we’ll take a look at the requirements, pros and cons and other relevant details of the UOB One card while you are in the midst of considering this card or other similar cashback credit cards.
Pros & Cons Of UOB One Credit Card
Pros
- Up to 10% cashback on GrabFood, GrabRides, McDonald's, Shopee and SimplyGo
- Up to 8% cashback on all grocery spend
- Up to 4.33% cashback on SP Group bills
- First year waiver of annual fee available
- Get rewarded with UNI$ points and redeem your UNI$ on UOB TMRW to offset bills and purchases
- Exclusive access to over 13,000 deals on dining, shopping, travel and more, weekly UOB Coupons, dining inspirations within UOB Rewards+
- UOB Complimentary Travel Insurance covers the Cardmember’s spouse and dependent children (if applicable)
Cons
- Interest rate of 27.80%, which is higher than other cashback credit cards in the market
- Cashback cap of $500 per quarter
- Minimum spend of $500 per month to qualify for the 10% cashback
Compare UOB One Card vs. CIMB World Mastercard vs. HSBC Visa Platinum Card
When it comes to the rewards benefits, the UOB One card is more suitable for big spenders who look forward to using reward points earned to offset bills and purchases, while the HSBC Visa Platinum card provides the flexibility of earning both cashback and air miles (through accumulation of 1 x HSBC Reward point for every dollar spent), which is ideal for cardholders who like to travel often and use air miles.
In a nutshell, the UOB One card may be suitable for you and your family if the minimum spend of $500 every month is manageable for you, and if you spend a substantial amount on fuel, online shopping, groceries and travel every month.
| UOB One Card | CIMB World Mastercard | HSBC Visa Platinum Card |
|---|---|---|
| UOB One CardInterest rate: From 27.80% | CIMB World MastercardInterest rate: From 27.80% | HSBC Visa Platinum CardInterest rate: From 26.90% |
| UOB One CardAnnual fee: $196.20 (waiver available) | CIMB World MastercardAnnual fee: None | HSBC Visa Platinum CardAnnual fee: $196.20 (waiver available) |
| UOB One CardMinimum annual income: $30,000 for Singaporeans and PRs $40,000 for foreigners | CIMB World MastercardMinimum annual income: $30,000 for Singaporeans and PRs (this card is not available to foreigners) | HSBC Visa Platinum CardMinimum annual income: $30,000-$40,000 for Singaporeans and PRs $40,000 for foreigners |
UOB One CardCashback benefits:
| CIMB World MastercardCashback benefits:
| HSBC Visa Platinum CardCashback benefits:
|
Find Out More About The UOB One Card In Our Blog Review!
UOB One Card Application
Here are 3 simple steps to apply for the UOB One Card
Apply via MoneySmart’s credit cards page
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.
Provide all documentation required
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months’ CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Receive your UOB One Card
You’ll be able to activate your UOB One 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 One Credit Card
Are there any fees if I apply for the UOB One card?
- The UOB One 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 One card?
- If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB One 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).