Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

The ONE card you probably will ever need

If you are looking for a new credit card and you are a constant spender, meaning you spend a fixed amount monthly, you could be rewarded handsomely. Although there are plenty of cards in the market that can get you higher cashback percentage for certain spending categories, there are often conditions attached and you most likely get only 0.3% cashback if you spend outside the stipulated categories.

The UOB One Card stands out from your regular cashback credit card as it rewards you with a high rate of up to 5% on all spend, regardless of categories.

So how exactly does the UOB One Card cashback work?

The UOB One Card doesn’t reward you by your spending on selected categories (e.g. Dining) but on all your eligible spending, even on your recurring bill payments. And… the highest rate you can earn is 5%! This means you no longer need to worry about remembering which spend categories qualifies for cashback. Even if you are not spending $2,000 a month regularly, you will still be able to enjoy 3.33% on all your spending if you meet $1,000 or $500 per month. This feature makes the card accessible for a wide variety of spending patterns.

Blog table 1

More benefits for you

Apart from the cashback rewards you earn from your card, you can also enjoy the benefits from UOB SMART$ programme which gives you discounts at over 400 outlets island-wide, including a wide variety of merchants such as Shell, Cathay Cineplexes, EpiCentre, Cold Storage, Giant, Guardian and more. Furthermore, drivers can enjoy great deals for petrol with SPC and Shell, with savings of up to 24% and 21.7% respectively.

Save more with UOB One Account and UOB One Card

What’s more, you can elevate your savings when you have a UOB One Card and UOB One Account. By spending a minimum of $500 on your UOB One Card every calendar month and crediting your salary of at least $2,000 OR pay 3 bills monthly via GIRO on your UOB One Account, you will be eligible for higher interest of up to 3.33% on your savings in the UOB One Account.

What do you need to take into account when considering the UOB One Card?

There are some things to keep in mind when using the card.

  1. Your cash back is capped at the predetermined spend tier. For example, if you spend $750 each month, you will still only get the same cashback amount as when you were spending $500 dollar a month.
  2. You will have to make 5 transactions in one month to be eligible for the UOB ONE Card cashback.
  3. You will need to hit the spend tier you are aiming for three consecutive months.

However, if you are consolidating all your spending on the UOB One Card as your primary card, it’s easy to achieve the minimum 5 transactions and consecutive 3-monthspend requirement. Hence, the UOB One card can be a really good way to save as you spend.

Bonus welcome offer

Apply online now and UOB will give you $80 if you are a new to bank customer and when you spend $600 within the first month, or $20 when you are an existing UOB card holder and when you spend $300 within the first month.

Can’t wait to get started on accumulating more savings?

uob one

Get your UOB ONE Card now!

More guides on Finder

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site