UOB One Card
Special Promotion
Enjoy up to 10% Cashback!
Enjoy up to 10% Cashback!

UOB One Card

The UOB One Card is best for those diligent about hitting specific monthly spending tiers (S$600, S$1,000, or S$2,000) to unlock the highest cashback rates. The up to 10% cashback on everyday categories like McDonald's, Shopee, Grab, and even SimplyGo rides, makes it ideal for maximizing rewards on daily expenses. Consolidate spending within the bonus categories to truly maximize value.
Up to 10%
cashback on daily spend at McDonald's, Grab, SimplyGo & Shopee
Up to 8%
cashback at all grocery spend
Up to S$2,240
cashback cap a year
Enjoy highest cashback of up to 20% on daily spend! T&Cs apply.

Valid till 30 Sep 2026

Are you eligible?

  • This Promotion is only open to individuals who are new-to-United Overseas Bank Limited (“UOB”) credit cards who applied for a UOB One Credit Card
  • To be eligible for additional cashback (“Additional Cashback”) and enhanced cashback (“Enhanced Cashback”) on Selected Merchant Transactions in a given Quarter, Cardmembers must have fulfilled the Minimum Spend and been awarded the Quarterly Cashback for that Quarter

What you need to know

  1. Eligible cardmembers who meet minimum spend requirements will receive Enhanced Cashback on qualifying transactions during the first quarter from their card approval date
  2. Tier 1: S$60 Quarterly Cashback when you spend at least S$600 but less than S$1,000 worth of Card Transactions comprising at least 10 Card Transactions
  3. Cardmembers who are awarded the S$60 Quarterly Cashback will receive an enhanced 5% cashback on McDonald’s, Grab, Shopee and SimplyGo transactions only
  4. Tier 2: S$100 Quarterly Cashback when you spend at least S$1,000 but less than S$2,000 worth of Card Transactions comprising at least 10 Card Transactions
  5. Cardmembers who are awarded the S$100 Quarterly Cashback will receive an enhanced 5% cashback on McDonald’s, Grab, Shopee, SimplyGo and grocery transactions
  6. Tier 3: S$200 Quarterly Cashback when you spend a total of at least S$2,000 worth of Card Transactions comprising at least 10 Card Transactions
  7. Cardmembers who are awarded the S$200 Quarterly Cashback will receive an enhanced 10% cashback on McDonald’s, Grab, Shopee, SimplyGo and grocery transactions
  8. Enhanced Cashback is capped at S$120 per statement month in the first quarter from card approval date. Exclusions apply.
T&Cs

Card 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 One Credit Card Benefits 2025

The UOB One card offers the highest cashback in its range of cashback credit cards, and is known to be ideal for consistent high spenders who spend at least $2,000 a month.

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
Two column content

Compare UOB One Card vs. CIMB World Mastercard vs. HSBC Visa Platinum Card

The UOB One card offers the highest cashback for and provides more versatility with its up to 10% cashback on a wider range of spending categories than CIMB World Mastercard and HSBC Visa Platinum card, but requires a minimum monthly spend. Although CIMB World Mastercard offers the lowest - 2% cashback on wine, dining, online food delivery, movies, digital entertainment, taxi, automobile, and luxury goods, it does not change any annual fees, and comes with complimentary travel insurance.

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 CardCIMB World MastercardHSBC 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 $40,000 for foreigners
UOB One CardCashback benefits:
  • Up to 10% cashback on daily spend at McDonald’s, Grab, SimplyGo and Shopee
  • Up to 4.33% cashback on SP Group bills
  • Up to 8% cashback on all grocery spend
  • Gain reward points known as UNI$, and redeem your UNI$ on UOB TMRW to offset bills and purchases
  • Enjoy more than 13,000 deals on dining, shopping, travel and more via UOB Rewards+
  • Complimentary travel insurance coverage that extends to the Cardmember’s spouse and dependent children (if applicable)
CIMB World MastercardCashback benefits:
  • Up to 2% cashback on wine, dining, online food delivery, movies, digital entertainment, taxi, automobile, and luxury goods
  • No annual fee charges
  • Choose from over 1,000 CIMB Deals & Discounts across dining, retail and lifestyle outlets
  • Access a wide range of Mastercard Travel Rewards
  • Get golf courses discounts via the Mastercard Southeast Asia Golf Program
  • Enjoy complimentary travel insurance
HSBC Visa Platinum CardCashback benefits:
  • 5% cash rebate on local dining and groceries (food deliveries and online groceries included)
  • Min. spending of S$600 monthly in a calendar quarter to earn the 5% cash rebate
  • Up to 21.15% fuel savings at Caltex and Shell
  • 1X Reward point per dollar spent
  • Exclusive access to HSBC ENTERTAINER with HSBC Singapore mobile app, enjoy over 1,000 worldwide 1-for-1 deals on dining, lifestyle and travel

Find Out More About The UOB One Card In Our Blog Review!

Read Card Review

UOB One Card Application

Here are 3 simple steps to apply for the UOB One Card

Step 1

Apply via MoneySmart’s credit cards page

You may begin your application by clicking on our UOB One card 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 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).