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Upgrade your ATM Card to the new UOB One Debit Visa Card to enjoy even greater cashback.
Receive a S$30 Grab voucher when you opt-in for the upgrade between 15-26 Nov'23, and activate your card by 31 Mar '24.
To upgrade, SMS UPGRADE ‹space› ‹‹unique reference code›› to 77862 by 26 November 2023
Please refer to the SMS sent to your registered Singapore mobile number with UOB.
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Use your card for bus & train rides
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Consolidate your bills
Access online/mobile banking
Reset your Card PIN
Say hello to Singapore's highest cashback debit card
Get bigger savings on online shopping, groceries, health and beauty, convenience stores, transport, food delivery and petrol
From now till 30 June 2024, enjoy up to 10% cashback on McDonald’sNEW, DFI Retail Group, Shopee Singapore, Grab and SimplyGo (bus and train rides only) transactions with a minimum monthly spend of S$500. Cashback is capped at S$20 per calendar month!
1View the full terms and conditions here.
Get even higher savings at Shell with 14% instant fuel savings with every fill.
Pump at SPC and save with UOB One Card with 20% instant fuel saving.
Interest rates
Earn higher interest rates with UOB One Account
| Account Monthly Average Balance (MAB) | Spend min. S$500 (calendar month) on eligible UOB Card Total interest |
Spend min. S$500 (calendar month) on eligible UOB Card AND make 3 GIRO debit transactions |
Spend min. S$500 on eligible UOB Card AND credit your salary via GIRO Total interest |
|---|---|---|---|
| First S$30,000 | 0.65% p.a. | 2.50% p.a. | 3.85% p.a. |
| Next S$30,000 | 0.65% p.a. | 3.00% p.a. | 3.90% p.a. |
| Next S$15,000 | 0.65% p.a. | 4.00% p.a. | 4.85% p.a. |
| Next S$25,000 | 0.05% p.a. | 0.05% p.a. | 7.80% p.a. |
| Above $100,000 | 0.05% p.a. | 0.05% p.a. | 0.05% p.a. |
2Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 3.00% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month.
Maximum effective interest rate (EIR) on the One Account is 5.00% p.a. for deposits of S$100,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA”/”PAYNOW SALA”) in each calendar month. SGD deposits are insured up to S$75k by SDIC. Visit uob.com.sg/oneaccount for more details.
Deposit Insurance Scheme:
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts/products that are covered under the Scheme.
“Highest Cashback Debit Card” refers to the highest cashback of up to 10% cashback for selected merchants (with retail spend of S$500) in comparison to other banks’ cashback debit cards across Singapore as of 1 October 2023.
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Don’t forget to update your card number and expiry dates stored online to ensure your online payments are not disrupted (eg. Parking.sg, Grab, Fave, Lazada).
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Frequently Ask Questions
1. What are the Fees and Charges for UOB One Debit Visa Card
| Annual Membership Fee | |
|---|---|
| UOB One Debit Visa Card | S$18 yearly^ (First 3 years card fee waiver) |
^Enjoy annual membership fee waiver with 12 Visa transactions per year.
W.e.f 1 January 2023, the One Debit Card annual fee will be adjusted to S$18.17 (inclusive of 8% GST).
| Other Fees & Charges | |
|---|---|
| Fees for foreign currency transaction | All transactions in foreign currencies will be subjected to an administrative fee of 3.25%. |
| International Processing Fee (Dynamic Currency Conversion Fee) | All transactions made in SGD and processed outside Singapore using Visa will be subjected to a fee of 2.8% of the transaction amount respectively |
For other Debit Card fees and charges, please refer here
2. I want to receive the new UOB One Debit Visa Card. What do I do?
SMS DC‹space›‹‹unique reference code›› to 77862 by 18 Nov 2022, eg. DC 12348888. We will mail your UOB One Debit Visa Card within 40 days from the SMS response deadline date.
3. What are the benefits of having the UOB One Debit Visa Card?
During the promotional period from 1 October 2022 – 30 June 2023 (both dates inclusive), new UOB One Debit Visa cardmembers (who do not hold any other UOB debit cards) will enjoy
- Up to 10% cashback on Shopee Singapore Transactions
- Up to 10% cashback on Dairy Farm Singapore Transactions
- Up to 10% cashback on SimplyGo (bus and train rides only) Transactions
- Up to 10% cashback on Grab transactions
- Up to 3.60% p.a. on your savings with UOB One Account, when you spend S$500 monthly on your UOB One Debit Visa Card AND credit your salary OR make 3 GIRO debit transactions.
From 1 July 2023 onwards (inclusive of the date mentioned), under the UOB One Debit Cards Cashback Programme, UOB One Debit Visa cardmembers can continue to enjoy
- Up to 3% cashback on Shopee Singapore Transactions
- Up to 3% cashback on Dairy Farm Singapore Transactions
- Up to 3% cashback on SimplyGo (bus and train rides only) Transactions
- Up to 1% cashback on Grab transactions
For more details and full terms conditions of each privilege, click here.
4. Is there a min. spend to qualify for the cashback?
There is min. monthly spend of S$500 on your UOB One Debit Visa Card
5. What is the maximum cashback I can earn in a month?
During the promotional period, new UOB One Visa Debit cardmembers (who do not hold any other UOB debit cards) can earn a maximum of S$40 cashback monthly across Shopee Singapore, Dairy Farm International, SimplyGo & Grab. (S$20 cashback under this promotion and S$20 under UOB One Debit Cards Cashback Proramme)
After the promotional period, UOB One Debit Visa cardmembers can continue to earn a maximum of S$20 cashback a month under UOB One Debit Cards Cashback Programme.
6. When will I receive my cashback?
For cashback earned under the UOB Debit Card 10% Cashback Promotion, it will be credited as below:
| Spending Period | Cashback Reward Crediting Period |
|---|---|
| 1 October 2022 – 31 October 2022 | 20 January 2023 |
| 1 November 2022 – 30 November 2022 | |
| 1 December 2022 – 31 December 2022 | 20 April 2023 |
| 1 January 2023 – 31 January 2023 | |
| 1 February 2023 – 28 February 2023 | |
| 1 March 2023 – 31 March 2023 | 20 July 2023 |
| 1 April 2023 – 30 April 2023 | |
| 1 May 2023 – 31 May 2023 | |
| 1 June 2023 – 30 June 2023 | 20 August 2023 |
7. How does the UOB One Debit Visa Card compare to a UOB ATM Card?
| Card features | UOB One Debit Visa Card | UOB ATM Card |
|---|---|---|
| Withdraw cash from UOB and OCBC ATMs in Singapore | • | • |
| Withdraw cash worldwide | • | • |
| Pay for PIN-based purchases locally | • | • |
| Pay for purchases locally and overseas eg. Online, Mail Order and Phone Order | • | |
| Conduct fast and secure contactless payment | • | |
| Turn your mobile device into an electronic wallet with Google Pay, ApplePay™ and more | • | |
| Get up to 3% cashback on Shopee Singapore, Dairy Farm International and Grab transactions | • | |
| Enjoy UOB Cards shopping, entertainment and dining privileges | • |
8. Will I receive a new PIN for my UOB One Debit Visa Card?
Yes. A new PIN will be sent in a separate mailer. If you do not receive it in 3 working days from receipt of your Debit Card, you can reset it instantly on the UOB TMRW app. Visit https://go.uob.com/resetpin for details. Alternatively, you may call our 24-hour hotline 1800 222 2121 for a PIN replacement or reset it at any UOB Branch.
9. I do not want to upgrade my current ATM card to the UOB One Debit Visa Card. What do I do?
Simply do not respond to the SMS. You can continue using your current UOB ATM Card. Upon nearing the expiry of your current UOB ATM Card, you will receive a new UOB ATM Card.
10. Will there be any bank account(s) linked to the UOB One Debit Visa Card?
Yes. The bank account(s) linked to your Debit Card are the same as those currently linked to your current UOB ATM Card. You may visit any UOB Branch if you wish to change or link additional bank account(s) to your new Debit Card.
11. Is there an annual fee on the UOB One Debit Visa Card?
You will enjoy a 3-year annual fee waiver on your UOB One Debit Visa Card. Thereafter, the annual fee is S$18. However, if you perform at least 12 Visa transactions within a year, you will enjoy an annual fee waiver automatically.
12. What do I do upon receiving my new UOB One Debit Visa Card?
You may proceed to activate your Debit Card. Click here to find out how to activate your card. Once your Debit Card is activated, your ATM Card will be de-activated automatically. Please cut your deactivated ATM Card into half for security reasons.
13. Can I upgrade my ATM Card to other types of Debit Cards?
Unfortunately, this invitation is to upgrade to the new UOB One Debit Visa Card. You can still apply for other Debit Cards at our branches or download the form at our website at uob.com.sg/cards.
14. I had submitted multiple SMS responses. How will you process my request?
We will continue to process your request even if you responded more than once.
15. Do I get transaction alerts on my UOB One Debit Visa Card?
At UOB, we implement safety measures to protect your card from fraudulent activities. You will receive transaction alerts on your mobile phone via SMS* for transactions above the default threshold amount of S$1,000. You can customise your mode of alert and threshold amount via UOB Personal Internet Banking.