UOB One Card Review


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Spend smart and grow your savings with Singapore’s most generous rebate card.

The UOB One 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 Card is worth considering.

S$0 annual fee for 1 year - S$192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameUOB One Card
RewardUp to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending
Effective Interest Rate25.9%
Interest Free PeriodUp to 21 days
Minimum Monthly Repayment3% of current balance or S$50, whichever is higher, plus any overdue amounts
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Expert review

Zyane Tan

Review by

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 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.

Benefits of using UOB One Card

  • Welcome gift. Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
  • 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. Earn up to 6% for your Singapore Power bill. 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 hundreds of participating merchants with up to 10% SMART$ rebate.
  • Bonus interest. If you have a UOB One Account, you’ll enjoy up to 3.68% p.a. deposit interest rate when you use your UOB One Card.

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 Card to pay for your public transport rides.
  • Travel insurance. Your UOB One 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 all in one place.
  • Mobile payments. Use your mobile phone to tap and pay by adding your UOB One Card to Google Pay, Apple Pay and more.

How to apply for the 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 7am and 8pm. 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$40,000 for foreigners; or
  • At least S$10,000 fixed deposit collateral

Required documents

If you like the idea of being able to get rebates for being a savvy spender, the UOB One 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.

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