UOB Credit Cards

United Overseas Bank (UOB) has a well-established history in Singapore. The bank’s in-depth knowledge about Singaporean financial needs is reflected in its diverse range of credit card offerings. From cashback to rewards cards, UOB has a wide variety of deals to suit different needs.

Read on to compare UOB credit cards and find one that offers you the best value for your wallet and your lifestyle.

Compare UOB credit cards

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Name	Product	Reward	Cashback Offer	Annual Fee	Min Income - Singaporean and PR
UOB Absolute Cashback Card		Enjoy 1.7% limitless cashback with no minimum spend and no spend exclusions.	Enjoy 1.7% limitless cashback with no minimum spend and no spend exclusions.	$0 annual fee for the first 1 year and $192.60 thereafter	$30,000	Apply between 1 Oct to 21 Nov 2022 and spend at least $1,200 by 20 Dec 2022 to receive 10% cashback (equivalent to $120). T&Cs apply.		Compare	loading Fetching your data...
UOB One Credit Card		Receive a gift worth up to $250 Grab vouchers when you apply and spend a minimum of $1,500 within 30 days from card approval date.	Up to 10% cashback with some merchants including Grab,7-Eleven and Cold Storage; 6% for Singapore Power Utilities bills; and 5% back on all other retail spending.	$0 annual fee for the first 1 year and $192.60 thereafter	$30,000	More Info	Compare	loading Fetching your data...
UOB PRVI Miles American Express Card		Earn 1.4 miles for every $1 spent locally and 2.4 miles for every $1 spent overseas.	Get $100 cash credit when you apply.	$0 annual fee for the first 1 year and $256.80 thereafter	$30,000	Receive up to 44,600 miles when you apply and spend at least $4,000 minimum spend within 60 days from card approval date and pay the annual fee. T&Cs apply. Ends 21 Nov 2022.	More Info	Compare	loading Fetching your data...
UOB EVOL Credit Card		Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.	Up to 8% cashback on online and mobile contactless spend.	$192.60 annual fee	$30,000	More Info	Compare	loading Fetching your data...
KrisFlyer UOB Credit Card		Earn 3 KrisFlyer miles per $1 when you spend with Singapore Airlines, Scoot and KrisShop and 1.2 KrisFlyer miles per $1 on all other spend.	Receive 7,000 miles or $100 cash credit	$0 annual fee for the first 1 year and $192.60 thereafter	$30,000	More Info	Compare	loading Fetching your data...
UOB Lady's Card		Earn 10X UNI$ (or 20 miles) per $5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.	Receive $100 cash credit when you apply for a new credit card.	$0 annual fee for the first 1 year and $192.60 thereafter	$30,000	More Info	Compare	loading Fetching your data...
UOB PRVI Miles Visa Card		6 air miles for every $1 spent through Expedia, Agoda and UOB Travel	Receive $100 cash credit when you apply for a new credit card and spend at least $1,500 within 30 days from card approval date.	$0 annual fee for the first 1 year and $256.80 thereafter	$30,000	Receive up to 44,600 miles when you apply and spend at least $4,000 minimum spend within 60 days from card approval date and pay the annual fee. T&Cs apply. Ends 21 Nov 2022.	More Info	Compare	loading Fetching your data...
UOB PRVI Miles World Mastercard		Earn 1.4 miles per $1 spent locally and 2.4 miles per $1 spent overseas, including online shopping.	Receive $100 cash credit when you apply for a new credit card.	$0 annual fee for the first 1 year and $256.80 thereafter	$30,000	Receive up to 44,600 miles when you apply and spend at least $4,000 minimum spend within 60 days from card approval date and pay the annual fee. T&Cs apply. Ends 21 Nov 2022.	More Info	Compare	loading Fetching your data...
UOB Visa Infinite Metal Card		Get 2 air miles per $1 spent overseas and 1.4 air miles per $1 spent locally	N/A	$642 annual fee	$150,000	Receive up to 25,000 miles (UNI$12,500) when you’ve paid the annual fee. T&Cs apply.	More Info	Compare	loading Fetching your data...

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• *Disclaimer

  *The products compared here are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order for the products we list on our site, so we enable you to re-order and compare products. The initial display order is influenced by a range of factors including commercial partnerships, product costs and conversion rates, so please don’t interpret the listing order as an endorsement or recommendation from us. We’re happy to provide you with the tools you need to make better decisions, and we encourage you to make your own decisions and compare and assess products based on your individual needs, preferences and circumstances.

Why should I choose UOB?

UOB credit cards come with a wide range of perks including attractive cashback deals, excellent opportunities to earn exclusive travel perks and rewards. What’s more, the provider offers regular sign up bonuses like cash credits and bonus air miles.

You can refer to the list below for an overview of the various types of UOB credit cards as well as their unique rewards.

Types of UOB credit cards

• Rewards credit cards

  • Looking for a rewards card from UOB? You could enjoy great deals when you pick any of the following UOB Rewards Cards:
    • UOB Lady’s Card
    • UOB Preferred Platinum Visa Card
    • UOB Professionals Platinum Card
    • KrisFlyer UOB Card
  • The UOB rewards program is based on cardholders earning UNI$ when they use their credit cards for purchases.
  • You could earn 5X UNI$ for every $5 spent on taxi rides, overseas and online shopping in foreign currencies and at departmental stores with the UOB Lady’s Card.
  • Preferred Platinum Visa Card holders earn 10X UNI$ for every $5 spent on online purchases or payments with Visa payWave at over 10,000 retails outlets in Singapore.

• Cashback credit cards

  • Enjoy rebates on your everyday spending with the UOB One Card and UOB EVOL Card.
  • Receive no-cap cash rebates with the UOB Visa Signature Card.
  • Depending on your spending priorities, the following cards also offer competitive rebates:
    • UOB UnionPay Platinum Card
    • Singtel-UOB Card
    • Metro-UOB Card

• Dining and entertainment credit cards

  • Get the most out of your UOB EVOL Card with up to 18% rebate for entertainment, dining and Grab rides as well as 3% rebates on online fashion and travel spending.
  • UOB Professionals Platinum Card earns you discounts on UOB Dining Privileges and 10% SMART$ rebates at participating outlets.

• Shopping credit cards

  • The best UOB Cards for frequent shoppers are the UOB One Card, UOB Lady’s Card and the UOB EVOL Card. Attractive cash rebates on transactions via mobile payments, opportunities to earn multiple UNI$ rewards points at department stores and rebates that add up with higher levels of spending are some of the benefits that make these the best shopping cards around.

• Travel credit cards

  • UOB PRVI Miles American Express Card is a great miles card for high spenders. Together with the UOB PRVI Miles World MasterCard and UOB PRVI Miles Platinum Visa card, this card imposes no limits on your ability to earn and spend air miles.
  • UOB Visa Signature Cardholders stand to earn UNI$10 for every $5 spent on both online and offline foreign currency transactions.
  • You’ll enjoy up to 10% off at over 100 International Airport Duty-Free Shops, including Hong Kong, Japan, Korea, and Thailand, with the UOB UnionPay Platinum Card.

• Petrol credit cards

  • The UOB One Card offers you the chance to receive up to $200 cash credit when upon registration. Enjoy up to 24% off at SPC and up to 20.8% off at Shell stations on fuel savings. Terms and conditions apply.
  • The UOB Professionals Platinum Card, UOB Visa Signature Card and the UOB Delight Card also offer fuel savings at SPC and Shell Stations. Read more about how petrol credit cards work.

What benefits can I get with a UOB credit card?

• Rewards. You may earn UOB Rewards Points or UNI$ on purchases you charge to your credit card. However, not all UOB credit cards are eligible for UNI$ so check the UNI$ FAQs for more information.
• Frequent Flyer Miles. UNI$ can be converted to KrisFlyer or Asia Miles in blocks of UNI$5,000 for 10,000 miles.
• UOB SMART$ rebates. Use SMART$ to offset your next purchase of food, groceries, gadgets, fuel, and entertainment items, or when paying for insurance.
• Easy credit card bill payments. You can pay off your credit card bills using cash, cheque, or Interbank GIRO through a wide range of platforms. This includes payment through phone banking, at ATMs, S.A.M machines (Self-service Automated Machines), iNETS Kiosks or AXS Stations.
• Security. UOB sends notifications about your transactions to your mobile phone via SMS to help you keep track of your card transactions. Besides this, EMV chip card technology safeguards you from fraudulent or unauthorised transactions. Do take note that the magnetic stripe on your card must be activated before overseas usage.
• Complimentary extras.
  • The UOB Privileges Passport opens up a world of local and global privileges with your credit card.
  • Gain access to a wide array of exciting promotions in dining, shopping, travel, retail, or even education spending when you become a UOB Card Member.
  • UOB SmartPay is an interest-free monthly instalment plan with a one-time processing fee that lets you spread your big-ticket purchases over flexible repayment periods of 3, 6 or 12 months.
  • Consolidate your monthly bills with UOB’s Bill Pay Service. The best part is that you could save time and earn UNI$, SMART$ or cash rebates when using Bill Pay.

How to apply for a UOB credit card

Eligibility requirements

The first step to applying for a UOB credit card is to check if you meet existing eligibility requirements. This may include:

• Age. Applicants should be aged 21 and above.
• Income. The minimum annual income stands at $30,000 for Singapore Citizens or Permanent Residents, and $80,000 for foreigners.

Documents required

Before you apply, gather these documents for your application.

• For salaried persons with a fixed monthly salary:
  • A photocopy of the front and back of your NRIC
  • CPF Contribution History Statements for the latest 12 months
  • Latest computerised payslip in Singapore dollars
  • Latest Income Tax Notice of Assessment
• For self-employed persons or commission-based employees:
  • A photocopy of the front and back of your NRIC
  • Latest Income Tax Notice of Assessment
• For foreigners:
  • A passport valid for at least 6 months
  • Employment Pass (EP or S Pass with at least 6 months’ validity)
  • Proof of address in the form of a household bill issued within 6 months of the application date
  • Latest computerised payslip in Singapore dollars, your latest Income Tax Notice of Assessment together with your latest 12-month CPF Contribution History Statement or a letter from your company certifying your employment and monthly salary in Singapore dollars. The letter should be dated within three months of the application date.

Step-by-step application process

Once you’ve ascertained your eligibility and checked that you have all the necessary documents, you may begin applying for a UOB Credit Card.

1. Compare the UOB credit card options above, reviewing their privileges, benefits and costs.
2. Select the credit card that best suits you, considering your lifestyle, credit needs, spending patterns, income and circumstances.
3. Once you’ve decided on a card, you can begin your application on the UOB site.
4. Provide the required details and documents.
5. Submit your online application.

You can also apply for a UOB credit card offline at a physical UOB bank branch.

Frequently asked questions

How do I earn UNI$?

You earn UOB Rewards Points, or UNI$1 for retail purchases charged to your credit card. Not all of the UOB credit cards are eligible for the Rewards programme. UNI$ rewards are calculated based on the value of your daily card transactions and rounded down to the closest UNI$. You cannot earn UNI$ on interest charges, refunded retail purchases, cash advances, balance transfers, late payment charges and other finance charges including annual fees.

How do I redeem UNI$ rewards?

Collect your UNI$ on the spot with the UOB Instant Rewards Programme for UOB Principal Cardmembers. You can redeem your UNI$ for a range of exciting vouchers at participating retail and dining outlets and malls. You can also redeem your UNI$ rewards points from UOB on the web, by mobile or home telephone.

Do UNI$ expire?

Yes. All UNI$ expire 24 months from the quarterly period during which they were earned.

Will I get SMS transaction alerts for my overseas and offline transactions?

You will get SMS alerts when your credit card is used to make an overseas transaction that is at or above the default threshold. However, you will not receive alerts for offline transactions. If you want more information on offline transactions, call UOB’s Customer Service Hotline (24/7) on 1800 222 2121 (within Singapore).

How do I access my credit card statement online?

You can subscribe to the eStatement via UOB’s Personal Internet Banking service. Go to Account Services and click on Manage eStatement. Select the credit card account you wish to subscribe to the eStatement, select the “Edit” icon and then select notification channel and click submit. Once you sign up for eStatements, you can view them on your Personal Internet Banking account, beginning with the next statement cycle. UOB provides 5 years of archives of your electronic statements, beginning from the date of subscription. You cannot ask for back-dated statements prior to that date.

When I was overseas, a merchant agreed to charge me $500. When I received the statement I noticed that I had been billed more than $500. Why is this?

Certain overseas merchants may list products and services denominated in Singapore dollars, or they may offer to convert your foreign currency transactions into Singapore dollars. The latter is called dynamic currency conversion. It’s the merchants and their payment processors that determine the exchange rates used in such conversions. The difference between the amount listed by the merchant ($500 in this question) and the actual amount billed in the credit card statement (a value that is above $500) is due to the international transaction fee that is levied on all Singapore dollar transactions that are processed outside Singapore using Visa or Mastercard. Find credit cards with low foreign transaction fees.

Before going ahead with online purchases, UOB recommends that you check with your merchants directly about where the transactions are processed.