Compare the Best UOB Cashback Credit Cards in Singapore 2025

Compare all UOB cashback credit cards to see which one gives you the highest cash back based on your spending habits. Read More
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We found 4 UOB Credit Cards for you!
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UOB One Card
MoneySmart Exclusive
Enjoy up to 10% Cashback!
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UOB One Card

Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more
Up to 10%
Cashback Cap per quarter
Up to S$500
Min. Spend per month
S$500

Get an Apple AirPods Pro 2 (worth S$349) or S$50 Cash for new-to-card applicants when you apply and spend a min. of S$1,000 within 30 days from card approval date. T&Cs apply.
 
[UOB Online Promotion] Get S$350 Cash Credit for first 200 new-to-UOB credit card customers in May 2025 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 15 May 2025 - See more details below
Apply Now
Apply Now
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UOB Absolute Cashback Card
MoneySmart Exclusive
Unlimited 1.7% Cashback
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UOB Absolute Cashback Card

Cash Back on Eligible Spend
1.7%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

Get an Apple AirPods Pro 2 (worth S$349) or S$50 Cash for new-to-card applicants when you apply and spend a min. of S$1,000 within 30 days from card approval date. T&Cs apply.
 
[UOB Online Promotion] Get S$350 Cash Credit for first 200 new-to-UOB credit card customers in May 2025 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 15 May 2025 - See more details below
Apply Now
Apply Now
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UOB EVOL Credit Card
MoneySmart Exclusive
Up to 10% Cashback
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UOB EVOL Credit Card

on Online, Mobile Contactless, Overseas in-store FX spend
10% Cashback
Cash Back Cap per month
Up to S$80
Min. Spend per month
S$800

Get an Apple AirPods Pro 2 (worth S$349) or S$50 Cash for new-to-card applicants when you apply and spend a min. of S$1,000 within 30 days from card approval date. T&Cs apply.
 
[UOB Online Promotion] Get S$350 Cash Credit for first 200 new-to-UOB credit card customers in May 2025 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 15 May 2025 - See more details below
Apply Now
Apply Now
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Lazada-UOB Card
Online Promo

Lazada-UOB Card

on Lazada Spend
20% Rebate
on Redmart Spend
6% Rebate
on Dine, Entertainment & Transport Spend
5% Rebate
Online Promo:
[Up to S$230 worth of gifts!]
  • Get S$200 cashback for New-to-UOB credit card customers who successfully apply for Lazada-UOB Card and spend a min. of S$100 per month at Lazada for 3 consecutive months from their card approval. T&Cs apply.
  • Get S$30 Lazada Vouchers when you successfully add the Lazada-UOB card as a payment card within the Lazada App before 31 May 2025. T&Cs apply.
Valid until 30 May 2025 - See more details below
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What is an UOB Cashback Credit Card?

Cashback credit cards fall under the broader category of rewards credit cards, where consumers accumulate points for every dollar charged to the card. These points can then be redeemed for “rewards” such as gift vouchers, appliances, etc.

A cashback credit card, however, rewards you with a cash rebate instead. This amount varies quite a lot among credit cards but typically falls between 1% and 5%, though some credit cards have attractive bonus cash rebates to reward certain types of spending.

Cashback Credit Cards 101s

New to the world of cashback credit cards? Here are the key features you need to know before you sign up.

Basic Cashback

Also known as “base rate”, this is the standard cash rebate you can expect to receive on your purchases, regardless or when, where, how or with whom it’s made. Typically this falls around 0.25% and up.

Bonus Cashback

Many credit cards offer tie-ups with brands and retailers ranging from Grab to Sheng Siong, offering higher cashback rates (as high as 8%). Some also offer higher rates for specific types of spending, e.g. online purchases, telco bills. Note the fine print on these and be sure they are a good fit for your actual spending habits.

Introductory Promotions

Some cards offer introductory cashback promotions such as a higher rate for the first few months or a $100 bonus with your first purchase. Be aware of the limited nature of these promotions and of any terms & conditions.

Other Things to Take Note of

Minimum Spend

Certain attractive cashback rates only apply for hefty minimum spends, say of $2,000 and up. If your planned expenditure is nowhere near that minimum, it makes little sense to apply for the card

Cashback Cap

Credit card issuers often have a cap on how much cash rebate you can earn per quarter. You may be surprised to find that your 20% cashback only has a $10 cap.

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Frequently Asked Questions

Who should get a cashback credit card?

Cashback credit cards are good entry-level cards for everyday use. They typically come with low income requirements (usually around $30,000 annually) which most young working adults can hit fairly easily, and in most cases annual fees are waived. They are also set up such that you can enjoy some form of cash rebate even if you don’t spend a huge amount of money, so you can still enjoy their benefits even if you live quite a frugal lifestyle.

How do I choose the best cashback credit card for me?

You can get the most out of your cashback credit card if you pick one that is perfectly aligned to your actual spending habits. For example, if you spend a lot on clubbing or online shopping, look for a card that offers hefty bonus cashback rates (these can be as high as 8%) on these categories or merchants. If you are not a particularly big spender in any one category, pick the card with the highest base rate, provided you can meet the minimum spend requirements.

Do I really get my rebate in cold hard cash?

While we would dearly love to receive a cheque or a nice wad of cash every month, this isn’t usually how credit card cash rebates are paid out these days. Instead, the cashback amount is credited to your account, effectively giving you a discount off your next credit card bill.