Spend smart and grow your savings with UOB’s generous rebate card.
The UOB One Credit Card is stated as being Singapore’s most generous rebate card and it’s easy to see why. As well as quarterly cash rebates when you meet your minimum spend, you can get rebates for paying your power bill or taking a Grab car. The deal is sweetened even more with fuel discounts and included travel insurance, plus you can grow your savings with bonus interest on your savings account.
If you like to spend but want to save as much as you can at the same time, the UOB One Credit Card is worth considering.
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 April 2021.
Effective Interest Rate
26.9%
Interest Free Period
Up to 21 days
Minimum Monthly Repayment
3% of current balance or S$50, whichever is higher, plus any overdue amounts
Zyane Tan is an associate editor at Finder. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. When she’s not busy typing away, she’s reading and musing over a pint.
Expert review
If you like the idea of getting rebates for being a savvy spender, the UOB One Credit Card may be the card that you are looking for. Not only can you get money back four times each year, but you can take advantage of fuel savings, travel insurance and bonus interest via your UOB One Account.
This card gives you up to 10% cashback on Grab and UOB Travel transactions. You can also get up to 5% back on all other spending. To take advantage of this competitive rate, be sure to make five or more purchases per month and meet the minimum spend requirement at each tier.
Benefits of using a UOB One Card
Sign-up offer. Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 April 2021.
Fuel savings. Take advantage of up to 24% off at SPC and up to 20.8% off at Shell when you need to fill up.
Rebates. Get up to 10% cashback on Grab, Shopee, etc. Earn up to 6% for your Singapore Power bill. Get 5% cashback on all retail spend. Additional rebates apply if you qualify for your quarterly cash rebate.
Quarterly cash rebate. Make at least 5 purchases a month with a minimum spend of S$500, S$1,000 or $2,000 on any purchases and receive a quarterly cash rebate.
SMART$ rebate. Offset your next purchase at one of the hundreds of participating merchants with up to 10% SMART$ rebate. Enjoy exclusive rebates at partner shops like Breadtalk, Cold Storage and Guardian.
Bonus interest. If you have a UOB One Account, you may enjoy up to 2.50% p.a. deposit interest rate when you use your UOB One Credit Card.
Agoda
Get additional 7% off accommodation bookings worldwide. T&Cs apply. Booking period ends 31 Dec 2021 and stay period till 30 Jun 2022.
Zalora
New customers: Get 20% with no minimum spend + 6% Zalora cashback. Promo code: UOBNEW2021.
Existing customers:
Get 10% off with no minimum spend + 6% Zalora cashback. Promo code: UOB2021.
T&Cs apply. Ends 30 June 2021.
Shopee
New customers: Get S$8 off with minimum S$16 spend. Promo code: UOBNEW8
Existing customers: Get S$4 off with minimum S$40 spend. Promo code: UOB4OFF
T&Cs apply. Ends 31 Dec 2021.
Features of the UOB One Card
Annual fee. A yearly fee of S$192.60 applies for the principal card. Subsequent cards incur a fee of S$96.30 however the first card is free.
Rebate calculator. Use the rebate calculator on the UOB website to keep track of your quarterly cash rebate and total cash rebate for the year.
No need for multiple cards. Thanks to SimplyGo, you can use your UOB One Credit Card to pay for your public transport rides.
Travel insurance. Your UOB One Credit Card provides you with up to S$50,000 for emergency medical assistance, evacuation and repatriation plus S$500,000 public conveyance personal accident coverage.
Access to The Travel Insider. Get inspired for your next holiday, then plan and book it all in one place.
Mobile payments. Use your mobile phone to tap and pay by adding your UOB One Credit Card to Google Pay, Apple Pay and more.
Additional considerations
In spite of the features above and their benefits, the UOB One Card does have a few shortcomings worth noting.
No fee waiver beyond the first year
Fewer cashback opportunities for low monthly spenders
Cash rebates expire after 2 years
Monthly cap on rebate applies
How do UOB rewards and rebates work?
With a UOB One Card, you’ll receive cash rebates shortly after the end of each quarter. These cash rebates expire in 2 years, and are non-refundable should you choose to close your UOB account.
How to apply for a UOB One Card
If the UOB One Card sounds like the card for you, you can start your application by clicking on the green ‘Go to site’ button at the top of this page. Existing UOB account holders can apply through internet banking, with instant approval for applications submitted between 7 am and 8 pm. Principal credit card customers can also start an application by sending an SMS.
Before applying, you should make sure that you meet the eligibility criteria and have the correct required documents ready to go.
Eligibility criteria
At least 21 years old
Annual income of at least S$30,000 for Singapore citizens and permanent residents or S$80,000 for foreigners; or
At least S$10,000 fixed deposit collateral
Required documents
If you do not have a UOB bank account but are a SingPass holder, you can submit an application using personal information retrieved from MyInfo. Otherwise, you will need to submit the following:
Photocopy of your NRIC (front and back)
3 months’ computerised payslip; or
Latest 12 months’ CPF statement; or
Latest income tax notice of assessment
Photocopy of your NRIC (front and back)
2 years’ income tax notice of assessment
Photocopy of your passport (with at least 6 months validity)
Employment pass (with at least 6 months validity)
3 months’ computerised payslip; or
Latest 12 months’ CPF statement; or
Latest income tax notice of assessment
A bill to show proof of address such as telephone or utilities bill
If you like the idea of being able to get rebates for being a savvy spender, the UOB One Credit Card may be the card that you are looking for. Not only can you get money back each quarter, but you can take advantage of fuel savings, travel insurance and bonus interest on your UOB One Account. Before you apply, compare this card with other cashback and rebate credit cards on offer to ensure this is the right one to suit your shopping and saving needs.
At Finder, we value and respect our editorial independence. We keep our reviews completely factual so you can use them to make better decisions. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews.
If you like the idea of getting rebates for being a savvy spender, the UOB One Credit Card may be the card that you are looking for. Not only can you get money back four times each year, but you can take advantage of fuel savings, travel insurance and bonus interest via your UOB One Account.
This card gives you up to 10% cashback on Grab and UOB Travel transactions. You can also get up to 5% back on all other spending. To take advantage of this competitive rate, be sure to make five or more purchases per month and meet the minimum spend requirement at each tier.
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