UOB EVOL Credit Card Review

Reap multiple benefits with the UOB EVOL Card.

The UOB EVOL Credit Card lives up to its name, offering cardholders exclusive entertainment, dining, online shopping perks and more.

In this guide, we take a closer look to help you decide if this credit card could meet your needs.

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$192.60

Annual Fee

26.9%

Effective Interest Rate

$30,000

Min Income - Singaporean and PR

Details

Product NameUOB EVOL Credit Card
RewardEnjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
Effective Interest Rate26.9%
Interest Free PeriodUp to 21 days
Minimum Monthly Repayment3% of current balance or $50, whichever is higher, plus any overdue amounts

Review by


James Martin is a senior writer at Finder. He has written on a range of finance and business topics for over five years and his work has been featured in publications including The Irish Times, Companies 100, In Business and Q Magazine (UK). As a trained journalist, James can drill into the finer details of financial products to help you save time and money. In his spare time, James is a committed sports fan, novel reader and Thai food enthusiast.

Expert review

The UOB EVOL Credit Card is a cashback card which has impressive rates when you spend on dining, travel, shopping and entertainment. You can get up to 8% cashback on online and mobile contactless spend. The cash boost applies to overseas spending as well as local; helping the card to stand out from its competitors. Also, there’s a further 0.3% cashback on on all other spend. To take advantage of these percentages, you’ll need to spend a minimum of $600 per statement month. Bonus rebates are capped at $60 per statement month (capped at $20 per category: Online, Mobile Contactless and Other spend).

Benefits of the UOB EVOL Credit Card

  • Sign-up offer. Apply and spend at least $1,500 and receive $250 Grab vouchers. T&Cs apply. Valid until 31 Oct 2022.
  • Bonus cashback. Cardholders can earn up to 8% bonus cash rebates on online and mobile contactless spend. To qualify, you’ll need to spend a minimum of $600 on eligible transactions per month in the qualifying periods. Cardholders who do not meet the qualifying spend will earn 0.3% cashback. Again, terms and conditions apply.
  • Annual fee waiver. Enjoy first year fee waiver and subsequently no annual fee with three transactions monthly for 12 consecutive months prior to your card anniversary date. T&Cs apply.

Features of the UOB EVOL Credit Card

Along with the range of entertainment and lifestyle benefits the UOB EVOL Credit Card offers with each transaction, there is more to this card. Key features of the UOB EVOL Credit Card include the following.

  • Supplementary card. Annual fee for first supplementary card is free of charge. Subsequent supplementary cards is charged at $96.30 yearly.
  • Pay and dine with your mobile phone. Get UOB EVOL deals through your mobile phone after signing up. Payment is fuss-free. All it takes is one secure tap at one of the 10,000 store terminals which may support Apple Pay, Android Pay, UOB Mighty and Samsung Pay.
  • Auto enrolment to eStatement. With your credit card statements archived automatically for up to 5 years from your subscription, rest assured that you can easily track your spending.
  • Bio-sourced Card. As the first Bio-sourced Card in Southeast Asia, the UOB EVOL Credit Card offers a suite of sustainable deals.

Application criteria

  • Singaporean citizens or Permanent Residents (PRs), must demonstrate a minimum income of $30,000 annually or Fixed Deposit collateral minimum of $10,000.
  • Foreigner nationals must have a minimum income of $40,000 or Fixed Deposit collateral minimum of $10,000.
  • 21 years of age or over.

Required information/documents

  • Singaporeans and PRs should provide a National Registration Identity Card (NRIC) for each principal and supplementary card applicant.
  • Salaried employees also must supply either a computerised payslip for the past 3 months, their latest 12-month Central Provident Fund (CPF) contribution statement or latest Income Tax Notice of Assessment and computerised payslip.
  • Commission-based employees should also supply either their latest 12 months’ CPF contribution statement, latest Income Tax Notice of Assessment and computerised payslip or Income Tax Notices of Assessment for the past 2 years.
  • Self-employed individuals have to supply Income Tax Notice of Assessments for the past 2 years.

Foreigners must also provide the following:

  • Employment pass with minimum 6 months’ validity.
  • Photocopy of passport with minimum 6 months’ validity (for principal and supplementary applicants).
  • Proof of local home address through latest billings, such as bills for utilities or phones.

Existing UOB credit card members are required to show most recent income documents to update credit limit or if they have new employment circumstances.

Compare a range of credit cards in Singapore

1 - 9 of 26
Name Product Cashback Offer Reward Annual Fee
HSBC Revolution Credit Card
Receive up to $200 cashback. T&Cs apply. Ends 31 Dec 2022.
Earn up to 10X Reward points or 4 miles per $1 spent on qualifying purchases.
$0
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
N/A
For every $1 spent, earn 1.2 KrisFlyer miles on local purchases, 2 KrisFlyer miles on overseas spend in June and December, Singapore Airlines and KrisShop and 3.2 KrisFlyer miles on Grab.
$337.05
Get 10,000 KrisFlyer miles upon annual fee payment and first transaction within 30 days from card approval. An additional 15,000 KrisFlyer miles when you spend $3,000 within the first 3 months of card approval. Valid until 31 Jan 2023. Also, earn 3,600 KrisFlyer miles based on the $3,000 spend above (based on 1.2 KrisFlyer miles per $1 spent locally). T&Cs apply.
Citi Prestige Card
Up to 20% cashback at selected merchants
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
$535
Receive 120,000 ThankYou Points (48,000 Miles) when you pay the annual fee ($535) and spend $800 within two months. T&Cs apply. Valid until 31 Oct 2022.
HSBC Visa Platinum Credit Card
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least $600.
Earn 1 Reward point for every $1 on all spend.
$0 annual fee for 2 years - $192.60 thereafter
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Platinum Credit Card
N/A
Up to 50% off your food bill for unlimited visits at hotels around Singapore
$321
Get $100 CapitaVoucher upon payment of annual fee and first transaction within 30 days from card approval. An additional $100 worth of CapitaVouchers when you spend $2,000 within the first 3 months of card approval. Also, receive 2,500 Membership Rewards points from your base earn rate for the $2,000 spent. T&Cs apply. Valid until 31 Jan 2023.
Citi Cash Back+ Credit Card
1.6% cash back on selected retail purchases
Get up to 14% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
$0 annual fee for 1 year - $192.60 thereafter
Receive 10% cash back (up to $300 cash back) on up to $3,000 spend in the first 2 months. T&Cs apply. Valid until 31 Oct 2022.
HSBC Advance Credit Card
Enjoy up to 3.5% cashback on all purchases with no minimum spend
Receive up to $200 cashback when minimum spend requirements are met.
$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - $192.60 thereafter
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express True Cashback Card
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
Enjoy 1.5% cashback on all purchases with no minimum spend or cap. Plus receive up to $80 CapitaVouchers when a minimum spend of $250 is made in the first month.
$0 annual fee for 1 year - $171.20 thereafter
Apply today and get a 3% cashback bonus when you spend $5,000 in the first six months.
Citi Cash Back Card
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at $80 for all transactions per statement month.
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
$0 annual fee for 1 year - $192.60 thereafter
Get a welcome gift of $300 cash back when you spend $800 in the first two months. T&Cs apply. Ends 31 Oct 2022.
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