UOB One Card

UOB One Card

With up to 10% cashback on daily spending categories, the UOB One Card might be one of the most generous cashback credit cards in the market. Featuring a tiered cashback system, you'll enjoy the highest cashback on daily spend at Grab, McDonald’s and more. Get up to 4.33% cashback on SP utilities bill payment and 3.33% cashback on other eligible spend.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
Tiered S$ 600  +
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Minimum Annual Income
S$ 30,000
2 Offers Available
Stryv Airflex 2.0 (worth S$369)
SingSaver Flash Deal
Stryv Airflex 2.0 (worth S$369)
  • SingSaver Flash Deal promotion runs from 15 September to 30 September 2025.
  • Promotion is valid for new-to-UOB credit card members only.
  • Be one of the first 80 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards within the flash deal period and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
    • If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
    • Remaining applicants will receive regular SingSaver Exclusive Offer reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply.
S$60 Cash via PayNow
SingSaver Flash Deal
S$60 Cash via PayNow
  • SingSaver Flash Deal promotion runs from 15 September to 30 September 2025.
  • Promotion is valid for new-to-UOB credit card members only.
  • Be one of the first 80 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards within the flash deal period and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
    • If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
    • Remaining applicants will receive regular SingSaver Exclusive Offer reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply.
S$70 Shopee Voucher
SingSaver Flash Deal
S$70 Shopee Voucher
  • SingSaver Flash Deal promotion runs from 15 September to 30 September 2025.
  • Promotion is valid for new-to-UOB credit card members only.
  • Be one of the first 80 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards within the flash deal period and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
    • If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
    • Remaining applicants will receive regular SingSaver Exclusive Offer reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply.
S$350 Cash Credit
Welcome Offer
S$350 Cash Credit
  • Welcome Offer promotion is valid until 30 September 2025.
  • Promotion is valid for new-to-UOB credit card customers only.
  • Be one of the first 200 customers to apply and get approved for participating UOB Credit Cards during the promo period, then make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for reward.
  • Promotion is not stackable with other promotions from UOB or SingSaver unless otherwise indicated.
  • Terms and Conditions apply

Things to consider

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Supermarket rebate

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Grab/taxi rebate

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Monthly spend required

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Rebate cap applied

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Benefits

Cashback

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Cashback Base Rate
Up to 3.33  %
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Cashback Local
Up to 10  %
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Cashback Overseas
Up to 3.33  %
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shopping_cart
Cashback Supermarket
Up to 8  %
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Cashback Local Online Shopping
Up to 10  %
commute
Cashback Transport
Up to 10  %
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Quick Facts

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Up to 10% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee.

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Up to 8% cashback on all grocery spend.

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Up to 4.33% on SP utilities bill.

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Up to 3.33% cashback on all retail spend.

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Petrol savings of up to 22.66% at Shell and SPC.

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Greater savings with up to 5.3% p.a. interest with UOB One Account+.

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Spend at least $600 monthly based on your qualifying quarter to enjoy up to 10% cashback.

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Awarding of cash rebate only comes every quarter.

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Qualifying monthly spend for cash rebate has to be spread out across min. 10 different purchases.

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Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
Tiered S$ 600  +
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.8  %
Interest on Cash Advance
28.5  %
Interest Free Period
21  days
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Others

Association

VISA Signature

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

Tags

UOB One Card UOB One Card

UOB One Card


The UOB One Credit Card is ideal for families, working professionals, and consistent spenders who want to maximise their cashback on everyday essentials. Covering major categories like groceries, dining, transport, utilities, and petrol, it offers one of the broadest and most practical cashback structures in Singapore.

With tiered rewards of up to 10% cashback, users who can maintain a steady monthly spend enjoy generous quarterly rebates that add up quickly. The card is especially attractive for households managing recurring bills, drivers who benefit from fuel discounts, and families who spend heavily on groceries.

Thanks to its flexibility and strong all-round coverage, the UOB One Card remains one of the most popular cashback credit cards in Singapore, rewarding those who prefer predictability and consistent value in their everyday spending.


Spend Category

Rewards Earned

S$1 Grab, Shopee, McDonald’s, SimplyGo

Up to 10% cashback

S$1 Groceries

Up to 8% cashback

S$1 Utilities (SP bills)

Up to 4.33% cashback

Petrol at Shell/SPC

Up to 22.66% savings

 

SingSaver’s offer

Apply for the UOB One Card and meet the minimum spend to enjoy exclusive SingSaver rewards:

  • Apple AirPods Pro 2nd Gen (worth S$349)
  • Samsonite Straren Spinner 67/24 (worth S$600)
  • S$300 Cash via PayNow
  • S$60 Cash via PayNow
  • S$70 Grab Voucher
  • S$350 Cash Credit

Welcome offer comparison


Provider

Offer

SingSaver

Gifts worth up to S$350+

UOB Website

Standard cashback tiers only

Best offer: The SingSaver promotion provides the highest guaranteed value.

 

UOB One Card at a glance

Cashback on essentials

5/5 Stars

  • Up to 10% cashback on Grab, McDonald’s, Shopee, SimplyGo
  • Awarded quarterly if minimum spend tier is met

Groceries

4/5 Stars

  • Up to 8% cashback at major supermarkets (FairPrice, Giant, Cold Storage, Sheng Siong, Prime, Don Don Donki and more)
  • Best for families with consistent spend

Utilities

4/5 Stars

  • Up to 4.33% effective cashback on SP utilities bills
  • Rare benefit among cashback cards

Petrol

4/5 Stars

  • Up to 22.66% savings at Shell & SPC
  • Strong value for drivers

 

Annual interest rate and fees

  • Annual principal fee: S$196.20 (inclusive of GST)
  • Supplementary annual fee: Free
  • Fee waiver: 1-year waiver for principal card
  • Interest-free period: 21 days
  • Annual interest rate: 27.8% p.a.
  • Late payment fees: S$120
  • Minimum monthly repayment: 3% or S$150, whichever is higher
  • Foreign currency transaction fee: 3.25%

 

Minimum income requirements

  • Singaporean/PR minimum income: S$30,000
  • Non-Singaporean minimum income:S$40,000

 

Why apply for the UOB One Card

Cashback benefits

  • Up to 10% cashback on essentials
  • Up to 8% effective cashback on groceries
  • Utilities and petrol savings not offered by most competitors

Additional benefits

  • Free supplementary card
  • Dining and lifestyle deals via UOB Rewards+
  • Enhanced savings with UOB One Account

Everyday value

  • Tiered cashback rewards for disciplined spenders
  • Works well for families and high monthly spenders

SingSaver’s take

The UOB One Card is best for Singaporeans who spend consistently across groceries, dining, transport, and utilities. Its high cashback rate and wide category coverage make it one of the most practical cards on the market. Thanks to its tiered cashback system, the UOB One Card cashback structure ensures strong rewards for everyday spenders.

 

Pros & cons

 

Pros Cons
  • Up to 10% cashback on essentials
  • Utilities cashback 
  • High petrol savings up to 24%
  • Attractive UOB One Card promotions when applied via SingSaver
  • Cashback capped and awarded quarterly
  • Must meet minimum spend and transactions
  • Annual fee after first year

 

Card comparison


Card

Cashback

Annual Fee (Principal)

Other Perks

UOB One Card

Up to 10% cashback

S$196.20 (1-year waiver)

Strong UOB One Credit Card benefits like utilities cashback and petrol savings.

OCBC 365 Card

3–6% cashback

S$196.20 (2-year waiver)

Dining and fuel discounts

Citi Cash Back+

Unlimited 1.6% cashback

S$196.20 (1-year waiver)

Flat cashback on all spend

The UOB One Card is ideal for families and everyday spenders who want high cashback across essentials, groceries, utilities, and petrol.


Application process

  1. Click “Apply Now” on this page.
  2. Fill in the online application form.
  3. Upload the required income and identity documents.
  4. Wait for UOB to approve your card (typically within 10 minutes).
  5. Pay the annual fee (S$196.20 incl. GST), provide your marketing consent to UOB, and make a minimum deposit. spend of S$600 by the end of the following month from the card approval date.
  6. Receive your rewards via Singsaver within 4 weeks.

Frequently asked questions about the UOB One Card

Who is eligible for the UOB One credit card?

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Applicants must be at least 21 years old. Singapore Citizens and PRs need a minimum annual income of S$30,000, while foreigners require S$40,000.

Is the UOB One Card a credit card?

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Yes, the UOB One Card is a cashback credit card that offers tiered cashback rewards on essentials like groceries, dining, transport, utilities, and petrol.

How long does UOB credit card approval take?

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Most online applications are approved instantly within 10 minutes via MyInfo. If submitted outside working hours, approval may take until the next business day.

Related pages

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.