UOB One Card
UOB One Card
- Up to 20%
- Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
- Up to S$500
- Cashback Cap per quarter
- S$500
- Min. Spend per month
Get UPSIZED REWARDS WORTH UP TO S$556.50 when you apply through MoneySmart and meet the relevant criteria!
[MONEYSMART EXCLUSIVE FLASH DEAL]
Get an EXTRA S$100 CASH BONUS when you apply, spend a min. of S$1,000 within 30 days and are the first 5 customers to submit the claim form at 2PM or 9PM daily! T&Cs apply.
[UOB Online Promotion]
Get an Apple AirPods Pro and AirTag (2 units) worth S$456.50 when you spend a min. of S$1,000 within 30 days and pay the card annual fee. SMS registration is required. T&Cs apply.
OR get S$350 Cash Credit when you are the first 200 new-to-UOB customers to apply and spend a min. of S$1,000 per month for 2 consecutive months. SMS registration is required.
Are you eligible?
MoneySmart Exclusive Flash Deal Promotion is valid from 12-September-2024 to 30-September-2024
UOB Online Promotion is valid from 01-September-2024 to 30-September-2024
Both promotions are only applicable for New-to card holders only
Customers need to apply through MoneySmart to be eligible
SMS registration is required for UOB Online Promotion.
What you need to know
MoneySmart Flash Deal: Get S$100 CASH BONUS when you apply, spend a min. of S$1,000 within 30 days from card approval date and are the first 5 customers to submit the claim form at 2PM or 9PM daily! T&Cs apply.
UOB Online Promotion (1): Get an Apple AirPods Pro and AirTag (2 units) worth S$456.50 when you spend a min. of S$1,000 within 30 days and pay the card annual fee. SMS registration is required. T&Cs apply.
Register for the Apple AirPods Pro and AirTag (2 units) by sending an SMS: CCAF<space>last 4 characters of your NRIC/Passport to 77862
UOB Online Promotion (2): OR Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in September 2024 who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. SMS registration is required. T&Cs apply.
Register for the S$350 Cash Credit Promotion by sending an SMS: CCA<space>last 4 characters of your NRIC/Passport to 77862
For a limited time, enjoy up to 20% Cashback at DFI Retail Group, Grab, McDonald's, Shopee and SimplyGo when you apply from 1 Sept to 31 Dec 2024. Other T&Cs apply.
Get S$50 worth of GrabRide vouchers when you are the first 2,000 customers to charge a min. of S$1,500 worth of insurance/ school transactions on your card. T&Cs apply.
Log into your MoneySmart account and submit a claim by 30th October 2024 in order to qualify for our MoneySmart Exclusive offers.
All Details
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UOB One Credit Card Benefits 2024
Some notable highlights include up to 10% or 20% cashback on expenditures made on a wide variety of categories including dining at fast food chains like McDonald’s, shopping at retailers like Shopee, supermarket chains like Cold Storage, Giant, convenience stores, Grab transport, GrabFood, SimplyGo, and more.
In this review, we’ll take a look at the requirements, pros and cons and other relevant details of the UOB One card while you are in the midst of considering this card or other similar cashback credit cards.
Pros & Cons
Pros
- Up to 10% or 20% cashback on online food delivery, groceries, fast food, online shopping, transport, utilities, petrol and travel
- First year waiver of annual fee available
- Get rewarded with UNI$ 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 |
|---|---|---|
| Interest rate: From 27.80% | Interest rate: From 27.80% | Interest rate: From 26.90% |
| Annual fee: $196.20 (waiver available) | Annual fee: None | Annual fee: $196.20 (waiver available) |
| Minimum annual income: $30,000 for Singaporeans and PRs $40,000 for foreigners | Minimum annual income: $30,000 for Singaporeans and PRs (this card is not available to foreigners) | Minimum annual income: $30,000-$40,000 for Singaporeans and PRs $40,000 for foreigners |
Cashback benefits:
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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
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.
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)
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
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).