UOB Delight Credit Card Review

Benefits of using the UOB Delight Credit Card

The UOB Delight Credit Card previously offered cardholders a number of benefits:

• Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian. Enjoy 8% SMART$ rebate at these Delight Card merchants with S$800 minimum spend, or 3% SMART$ rebate with S$400 minimum spend for all transactions charged to your UOB Delight Card.
• 10% off house brands. Save on selected groceries and health and beauty products from Cold Storage’s, Giant’s and Guardian’s house brands with a 10% discount.
• Up to 3% rebate from contactless transaction, Singapore Power and recurring bills. Generate 3% SMART$ rebate on transactions made on all Visa payWave purchases (UOB Mighty Pay, Apply Pay, Samsung Pay and Google Pay), Singapore Power and select recurring bills for telcos, Prudential Insurance and United Overseas Insurance (UOI), Town Councils and SPH newspapers with a minimum spend of S$400 per month.
• 0.3% rebate on all other transactions. Earn 0.3% SMART$ rebate on all other eligible transactions with no minimum spend required. There’s also no cap on the total amount of SMART$ you can accrue from this basic tier.
• Instant cash rebate redemption. Every 1 SMART$ you earned under the UOB SMART$ rebate programme is equivalent to S$1. With the accumulated SMART$, you can use them to offset your next purchase instantly at any of the 300 participating merchants in Singapore. SMART$ is only valid for 6 months from its date of issuance, or on the expiry date of the UOB Card, whichever is earlier. So make sure to redeem them before they expire.

• One year fee waiver. Benefit from an annual fee waiver in the first year. After that, the card charges a standard annual fee of $85.60.
• Complimentary supplementary card. You can also apply for your first supplementary card for free, but subsequent cards will cost S$53.50 p.a. each.

Keep in mind that no UNI$ will be awarded for transactions made with the UOB Delight Credit Card.

Features of the UOB Delight Credit Card

In addition to bonus rebates, it was possible to take advantage of competitive features such as:

• Dining perks. Indulge in special 1-for-1 deals, limited dining offers and complimentary club entry from over 1,000 dining and entertainment establishments islandwide.
• Travel privileges. Enjoy up to 75% off hotel stays worldwide and more attractive travel deals all year round.
• Fuel discounts. Save up to 20% off petrol at SPC and 13.6% off at Shell.

Compare other credit cards from UOB

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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 and spend at least $3,000 by 31 July 2022 and receive 5% cashback (equivalent to S$150). 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	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. T&Cs apply. Ends 30 June 2022.	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	Enjoy up to 20,000 bonus miles if you charge $50,000 to your card in a year. Apply today and enjoy free transfers to Changi Airport.	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	Apply and spend at least $1,500 and receive AirPods Pro with an eco Oakywood case worth $429. T&Cs apply. Valid until 30 June 2022.	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	Apply and spend at least $1,500 within 30 days and receive a gift worth up to $250 Grab vouchers. T&Cs apply. Valid until 30 June 2022.	More Info	Compare	loading Fetching your data...
UOB Lady's Card		Earn 10X UNI$ (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	Apply and spend at least $500 and receive $80 DFI Retail Group Vouchers. T&Cs apply.	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 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. T&Cs apply. Ends 30 June 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 12,000 welcome miles when you apply as new customer. T&Cs apply. Ends 30 June 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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How to apply for the UOB Delight Credit Card

Existing UOB account holders can apply directly through Internet banking, with instant approval for applications using MyInfo that are submitted between 7am and 8pm. Principal credit card customers can also start an application by sending an SMS.

If you don’t have a UOB bank account but are a SingPass holder, you can submit an application on ‘Apply & Pay within minutes’. This fast, simple and secure application process will speed up the process by retrieving your personal details and income information directly from MyInfo.

Before applying for any credit card, make sure you meet the eligibility requirements and organise the necessary information:

Eligibility criteria

• Earn at least $30,000 p.a. if you’re a Singaporean or permanent resident, or $40,000 if you’re a foreigner
• Fixed deposit collateral of at least S$10,000 if you don’t meet the income requirements
• Have a good credit rating – read more about how to repair your credit rating.
• Be at least 21 years of age.

Required documents

For salaried employees

• Photocopy of your NRIC (front and back)
• Latest billing proof (within the last 6 months) to show your residential address if it differs from your NRIC
• Income documents:
  • Latest 12 months’ CPF statement via Singpass login; or
  • Latest computerised payslip (for fixed income earner with basic salary over S$2,500) /
    Latest 3 months’ computerised payslip (for variable income earner with basic salary below S$2,500); or
  • Latest income tax notice of assessment and latest 12 months’ CPF statement; or
  • Latest income tax notice of assessment and latest computerised payslip (in Singapore dollar currency).

For self-employed and commission-based employees

• Photocopy of your NRIC (front and back)
• Latest income tax notice of assessment
• Latest billing proof (within the last 6 months) to show your residential address if it differs from your NRIC.

For foreigners

• Photocopy of your passport (with at least 6 months’ validity)
• Employment pass (with at least 6 months’ validity)
• Latest billing proof (within the last 6 months) to show your residential address if it differs from your NRIC
• Income documents:
  • Latest computerised payslip (in Singapore dollar currency)
  • Latest income tax notice of assessment and latest computerised payslip (in Singapore dollar currency)
  • Company letter certifying employment and monthly salary (in Singapore dollar currency) dated within 3 months.