LUCKY DRAW | Up to 10% Cashback
Consistent high spenders (min $2,000 a month) can get the maximum $200 cash rebate on everything. Cashback is not limited to any categories, but you need to spend at least $500 every month in the quarter to get the rebate.
Up to 10%
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
MoneySmart Exclusive

[LUCKY DRAW]
Stand a chance to win a Cartier Santos-Dumont Watch - Large Model, Blue (worth S$6,000) or an Apple 11-inch iPad Air WiFi, 128GB (worth S$899) or a Sony PlayStation 5 SLIM Digital Edition (worth S$669) when you apply and spend a min. of S$1,000 in Eligible Transactions each month for the first two consecutive months from the card approval date. T&Cs apply.
 
PLUS get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in July 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. T&Cs apply.

Valid until 11 Aug 2024 - See more details below

Are you eligible?

    • Promotion is valid from 12-July-2024 to 11-August-2024

    • Applicable for New-to card holders only

    • Customers need to apply through MoneySmart to be eligible

What you need to know

  1. Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in July 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. T&Cs apply.

  2. 3 Winners can stand a chance to win a Cartier Santos-Dumont Watch - Large Model, Blue (worth S$6,000) or an Apple 11-inch iPad Air WiFi, 128GB (worth S$899) or a Sony PlayStation 5 SLIM Digital Edition (worth S$669) when you meet the relevant criteria in the MoneySmart x UOB Cashback Lucky Draw. T&Cs apply.

  3. Additionally, log into your MoneySmart account and submit a claim by 11th September 2024 in order to qualify for our MoneySmart Exclusive offers.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Consolidating your daily spend and everyday merchants to maximise cashback

Good for

People who don't mind tracking their expenses to get the max cash back

Categories to maximise this card

All categories. Additional cashback on popular merchants like McDonald's, Grab, Cold Storage, Giant, Guardian, 7-Eleven, SimplyGo, Shopee and more

What people use it for

Daily spend and fixed recurring expenses like subscriptions and bills.

Get if

You have consistent spending (e.g. S$500 or S$1,000 or S$2,000) and you don't mind tracking your monthly expenses to give you the maximum cash back.

All 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 Review 2024

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% or 15% 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 15% cashback on online food delivery, groceries, fast food, online shopping, transport, utilities, petrol and travel
  • First year waiver of annual fee available
  • S$350 cash credit for first 200 new-to-UOB customers
  • Get rewarded with UNI$ 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
  • A minimum spend of $1,000 (for 2 consecutive months) is required to qualify for the 15% cashback on spending in selected categories and cash credit (only applicable to new-to-UOB customers)
  • 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

he UOB One card offers the highest cashback for and provides more versatility with its up to 10% to 15% 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
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:
  • Up to 10% or 15% cashback on online food delivery, groceries, fast food, online shopping, transport, utilities, petrol and travel
  • Selected new-to-UOB customers will get S$350 cash credit
  • Gain reward points known as UNI$, 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)
Cashback 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
Cashback 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 AboutThe UOB One Card In Our Blog 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

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).