Comparing the Best UOB Credit Cards in Singapore 2025

As one of the top local banks in Singapore, UOB offers a buffet spread of credit cards that comes with an even greater variety of privileges — to the point it may even come across as confusing. 

Don't know which card is right for you? Not to worry, it is exactly why we have such ‘best for’ breakdowns made for you! Whether you’re looking for extra air miles, dining discounts, entertainment options or just straight-up cash rebates, there’s something for everyone. 

Here are the best UOB credit cards to check out in Singapore.

If your top priority in a credit card is to earn as much cashback as possible, then the UOB One Card is the one for regular spenders. 

For starters, it offers up to 3.33% base cash rebate on all retail spend. But spend a minimum of either S$500, S$1,000, or S$2,000 spread across five transactions monthly for three consecutive months, and you are well on your way to earn up to 15% cash rebate on McDonald's (New!), Grab services, Shopee, Dairy Farm Group merchants (e.g. Cold Storage, Giant, Guardian, 7-Eleven), and SimplyGo transactions. 

The only catch is that you have to be a new-to-UOB applicant. Meanwhile, existing UOB customers will only earn up to 10% cash rebate under these spend requirements.

Besides that, look forward to earning 4.33% cash rebate on your utility bill payments too.

Other than the above benefits, cardholders are also entitled to exclusive UOB privileges such as the one-for-one dining deals under The Dining Advisor programme, and ShopUOB’s gamut of deals across fashion, beauty, groceries and more food.  

If you happen to have a UOB One savings account, getting hold of this credit card to pair with it would be timely as you could grow your savings at up to 7.8% p.a. interest. 

Want a cashback credit card that lets you earn unlimited cashback on all your spend? The UOB Absolute Card is for you. This fuss-free cashback credit card is a game changer.

For starters, it offers 1.7% cashback on every transaction made on merchants who accept American Express credit card payments.

This includes anything and everything from insurance premium payments, school fees, mobile or e-wallet top-ups, rental payments, utilities and telco bills, medical and hospital bills. 

[Update!] Unfortunately, despite still earning cashback on the aforementioned categories, their earn rates will be nerfed from 1.7% to 0.3% starting 6 May 2024. This is a huge hit to the UOB Absolute Cashback Card since that was its standout selling point among unlimited cashback cards. But, we guess this situation is more of a “hey, at least 0.3% cashback is still better than nothing”. 🤷🏻

There is more! There is no minimum spend requirement for you to start earning cashback on your transactions! If you are in the market for something not-so-fuss-free, you should keep this card on your radar.

If you are looking for a credit card that is tailor-made for the millennial lifestyle, then look no further than the UOB EVOL Card.

First, it is no surprise you will be getting a high 8% cashback on your online spend and mobile contactless payments made via Apply Pay, Google Pay, Samsung Pay or Fitbit Pay.

Given the prevalence of online shopping and cashless payments, it is difficult to ignore the rewards that UOB EVOL Card can offer. From shopping at Taobao and purchasing games via Apple Store to taking Grab rides and paying for meals at cafés (and more), you will earn 8% cashback on all eligible transactions.

Ensure you are able to hit the minimum of S$600 spend per statement month to earn the maximum cashback rate. All other spend will earn 0.3% cashback.

Remember also that the total cashback is capped at S$60 monthly — S$20 on online spend, S$20 on mobile contactless spend, and S$20 on all other spend for each statement month.

Planning to live the digital nomad lifestyle, or perhaps you are simply bitten by the travel bug? The ‘spend more, travel more’ motto of the KrisFlyer UOB Credit Card might resonate. 

For every S$1 spent on dining, food delivery, online shopping, transport and Singapore Airlines, you earn 3 KrisFlyer miles. Best of all, there is no minimum spend, no miles cap, and no conversion fee.  The miles earn rate is made even sweeter if you own a KrisFlyer UOB Account: you’ll get 6 additional bonus KrisFlyer miles per S$1 spent with salary crediting.

If you are not a regular traveller, this might not be the right credit card for you. You need to spend above S$800 annually on Singapore Airlines-related spend in order to qualify for the 3 miles per dollar earn rate.

It would be a bonus if you were a sworn loyalist to carriers under Singapore Airlines, otherwise you’d just miss out on goodies like priority privileges on Scoot, as well as a fast-tracked KrisFlyer Elite Silver status.

If you are looking for a strong miles card that also allows the flexibility to choose from Visa, MasterCard or Amex, then the UOB PRVI Miles card is an option that would fly. 

The credit card works hard for you with a high 6 miles per S$1 spent on major airlines and hotels booked through Expedia, UOB Travel and Agoda. There is no minimum spend and no cap on how many miles you can accumulate.

While the 8 miles per dollar is high, it only extends to hotels and flights, so if you are not travelling regularly, you probably will not get to see the benefits. Nevertheless,  the miles earn rate also been a hit with many; you can get 2.4 miles for S$1 spent overseas and 1.4 miles for every S$1 spent locally. 

If you are going with the Amex option, there are two additional exclusive benefits in the offing: 20,000 loyalty miles (only if you hit at least S$50,000 in spending a year), and complimentary airport transfers to Changi Airport. 

For such level of benefits, you would be delighted to learn that the annual income requirement is only at an entry-level of S$30,000.

Cannot decide between rewards or travelling? The UOB Preferred Platinum card covers all bases.

You stand to earn 4 miles per S$1 spend on online shopping, contactless transactions and entertainment. Foodies will also benefit from discounts at over 1,000 dining establishments.

This credit card is not going to reward you for online spending in a foreign currency, so if you travel regularly, you might want to explore the KrisFlyer UOB Credit Card or the card below.

If you are using your credit card for overseas spending, then the UOB Visa Signature Card is right for you. 

You will be able to earn 4 miles per S$1 spend on foreign purchases (including online overseas websites), petrol and contactless transactions. You also get to travel with peace of mind thanks to personal accident coverage of S$500,000 and Emergency Medical Assistance, Evacuation & Repatriation coverage of up to S$50,000. 

If you are not looking to travel anytime soon, you can opt to turn your UNI$ to cash rebates and instantly redeem your UNI$ for vouchers at over 1,000 outlets, including dining, shopping and travel merchants. 

There are a couple of hurdles to cross for this card; the minimum annual income criteria is higher than most cards, at S$50,000. One other high (a low, really) is the minimum monthly spend of S$1,000 on overseas spend or S$1,000 spend on petrol and contactless spend per statement period respectively — that is, if you are bent on chasing the accelerated UNI$ earn rate.

[UPDATE] The UOB Lady's Cards now accept male applicants!

It would only be appropriate for ladies (and men) with a penchant for shopping to swipe the UOB Lady’s cards. 

Once only available for ladies, this rewards-based credit card will have you earn 6 miles per dollar on one of seven categories: beauty and wellness, fashion, dining, family, travel, transport and entertainment. If you apply for the UOB Lady's Solitaire Card, you can choose two of the seven aforementioned categories.

The choice is totally up to you; all that is required for the application process is here. Simply enrol and choose a category, and, in no time, you will start earning the accelerated rate of 6 miles per S$1 on all spending in this area. The category can be changed every quarter.

The bonus 6 miles per dollar is capped at S$1,000 per month for the UOB Lady's Card, and S$3,000 per month for the UOB Lady's Solitaire Card.

If branded goods are your thing, then the Lady’s LuxePay Plan lets you enjoy an interest-free 6 or 12-month instalment payment plan for any luxury purchase worth S$500 or more. You can buy the items locally, online or overseas.

If you find a good deal overseas, you will also be protected with their e-Commerce protection plan that provides coverage for online purchases. 

Despite its name, the cards are now available for both sexes! Yay!

With over nine UOB credit cards listed so far, we understand if you are feeling slightly overwhelmed. After all, choosing the right credit card is a commitment nonetheless, and should not be chosen rashly.

That said, we have some tips to help you. Here are some things to consider before selecting a UOB credit card (or any credit card, for that matter):

Before applying for any credit card, you need to ensure that you meet the card's minimum annual income requirement. While most credit cards follow the MAS-mandated benchmark starting from S$30,000 per year, you cannot assume that. Some credit cards (see: premium credit cards) demand a much higher annual income requirement.

Among this list itself, we have a few examples. Both the UOB Lady's Solitaire Card and UOB Visa Infinite Metal Card require a minimum of S$120,000 annual income. Also, the income requirements are different for locals and foreigners, so do check respectively.

💡Pro-tip: In the event you are unable to meet the annual income requirement, you can try fulfilling the fixed deposit collateral instead. For the UOB Lady's Solitaire Card, you will need at least S$30,000 in collateral.

Speaking of annual income requirements, a credit card's annual fee also abides by a similar “minimum value benchmark” logic. Most credit cards possess an annual fee of S$196.20 (incl. 9% GST) per year. And if you are following our drift, you can probably guess what we are going to mention next.

Exceptions to this S$196.20 standard vary depending on the bank. This is how the annual fees differ for UOB credit cards:

Annual fee (incl. 9% GST)	Credit card	Annual fee waiver
S$196.20	UOB One, UOB Absolute Cashback, KrisFlyer UOB, UOB Preferred Platinum Visa, UOB Lady's Card, UOB EVOL	✅ First year waived
S$218	UOB Visa Signature
S$261.60	UOB PRVI Miles (Visa, Mastercard, AMEX)
S$414.20	UOB Lady's Solitaire
Free	UOB EVOL	Min. 3 monthly purchases for 12 consecutive months

If you have noticed, UOB pretty much waives the first year's annual fee for most, if not all, of their credit cards. This is a common practice among most banks in Singapore, so actually, a card without an annual fee waiver is technically a minority already. 

And even if you have already waived your card's first year's annual fee, it is said that there are ways to continue waiving them off. Refer to our annual fee waiver guide here to learn how to do so according to banks.

💡Pro-tip: Some banks are more generous with their annual fees and waiver policies. For example, most Maybank credit cards have a three-year annual fee waiver, whereas CIMB credit cards have no annual fees at all. Note: This information can typically be found in the card's terms and conditions or a separate document compiled by the bank.

Every credit card comes with a set of eligibility requirements, fees, and charges. While we have already addressed annual income and annual fees, it is time to look at other eligibility considerations and their definitions:

Eligibility, fees, & charges	What it means
Late payment charge	The fee imposed when you fail to pay your credit card bill on time
Cash advance fee	The minimum amount on your credit card bill that you have to pay
Minimum monthly (re-)payment	The lowest amount you are required to pay to meet your credit card's agreement
Overlimit fee	The fee imposed when you exceed your month's credit limit
Interest on purchases	The charge imposed when you fail to fully pay off your statement balance by the end of the billing cycle in which the purchases were made
Interest on cash advance	The charge imposed when you fail to fully pay off your statement balance by the end of the billing cycle in which the cash advance was made
Foreign transaction fee	The fee imposed by the card issuer & payment processor network (e.g. Visa, Mastercard, AMEX) whenever an overseas transaction is charged to your credit card
Dynamic currency conversion fee (DCC)	The fee imposed when paying a transaction in your card's local currency (e.g. SGD) rather than in foreign currency (the destination's currency, e.g. AUD, KRW, etc.)
Minimum age	You usually need to be at least 21 years old (and employed by a company) to apply for credit cards.

These should be rather self-explanatory but you need to ask yourself: are you a cashback enthusiast or a miles chaser? Based on which rebate you value more, you can then narrow down to which UOB credit card within the type is best for you.

💡 Pro-tip: Rewards credit cards and miles credit cards are usually synonymous with each other, except for travel credit cards. Those are miles-earning cards unless stated otherwise.

To apply for your desired UOB credit card, simply click any of the “Apply Now” buttons in this article and complete the application form on our SingSaver site via Singpass MyInfo. 

If you do not possess a Singpass account, you will need to prepare the relevant documents separately. Refer to each credit card's respective webpage to learn more about which documents are needed accordingly.

With UOB, rewards come in the form of UNI$, earned on eligible transactions with selected credit cards. These points go beyond everyday spending: you can rack them up through sign-up promotions, spending at participating merchants, or within specific categories.

For every S$5 spent, UNI$ are credited to your account, which explains why the points earned might slightly differ from your expectations. Versatile and rewarding, UNI$ can be redeemed for air miles, offers and vouchers, or cash credits, making them a handy perk to offset expenses or indulge in little luxuries

You can enjoy UOB PRVI air miles if you have a UOB PRVI Miles credit card. Local spending brings you 3.5 UNI$ for every S$5 spent, which works out to 1.4 miles per S$1, while overseas and foreign currency transactions earn 6 UNI$ for every S$5, or 2.4 miles per S$1. Everyday purchases, whether at home or abroad, will effortlessly add to your growing pool of rewards.

These UNI$ can then be converted into air miles with programmes like KrisFlyer or Asia Miles, giving you the flexibility to redeem flights, upgrades, and other travel perks.

UOB’s revamped UOB$ programme (formerly SMART$) offers instant credit card cashback rewards, giving cardholders more ways to save on everyday spending. 

With every UOB card transaction at over 950 participating merchants, you can earn up to 10% cashback on in-store purchases. The best part? Your earned UOB$ is automatically applied to offset your next bill at the same merchant.

Cashback from UOB credit cards provides a straightforward way to save money on your everyday spending. Depending on the card, you can earn a percentage of your spending back as cash rebates, which are automatically credited to your account or used to offset your bills. 

From 1st November 2024, UOB cardholders can now earn both UOB$ cashback and UNI$ rewards or air miles when shopping at UOB$ merchants. 

For example, a purchase at Toast Box now earns 3% UOB$ cashback (or 6% on Fridays) along with 4 mpd if you use the UOB Preferred Platinum Visa or UOB Lady’s Card (with Dining as a bonus category). This update makes spending at UOB$ merchants more rewarding than ever, reversing the previous trend of avoiding them.