UOB YOLO Card Review, Rates & Fees 2021 | Finder Singapore
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S$0 annual fee for 1 year - S$192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameUOB Yolo 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 S$50, whichever is higher, plus any overdue amounts
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Expert review


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 Yolo 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 eligible transactions at the weekend and 3% on weekdays. 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 3% cashback on online travel bookings and fashion shopping. To take advantage of these percentages, you’ll need to spend a minimum of S$600 per month in the qualifying categories. If you don’t, your earn rate drops to 0.3%. Bonus rebates are capped at S$60 per qualifying period.

Benefits of the UOB YOLO Credit 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.
  • Bonus cashback. Cardholders can earn up to 8% bonus cash rebates on Grab, Dining and Entertainment spend and 3% bonus cash rebate on Online Fashion and Travel spend. To qualify, you’ll need to spend a minimum of S$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.
  • Complimentary travel insurance. Charge the entire fare to your UOB YOLO credit card and you may be able to enjoy free travel insurance of up to S$500,000 (not all travel covers will apply, so be sure to check).

Features of the UOB YOLO Credit Card

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

  • Annual fee. There’s a first year card fee waiver. Following this, the annual fee is S$192.60.
  • Supplementary card. Annual fee for first supplementary card is free of charge. Subsequent supplementary cards is charged at S$96.30 yearly.
  • Pay and dine with your mobile phone. Get UOB YOLO 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.
  • Gateway to UOB Young Professional’s Solution. UOB Yolo Cards can be linked to a UOB One Account in a scheme that supports young professionals who wish to begin investing. Cash rebates and interest can be invested in a Unit Trust.
  • Quick Read Card design. As the first Quick Read Card in Southeast Asia, the UOB Yolo Card offers an innovative layout. Numbers are vertically stacked to optimise your ability to read the card numbers swiftly and accurately.

Application criteria

  • Singaporean citizens or Permanent Residents (PRs), must demonstrate a minimum income of S$30,000 annually or Fixed Deposit collateral minimum of S$10,000.
  • Foreigner nationals must have a minimum income of S$80,000 or Fixed Deposit collateral minimum of S$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.

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