Southeast Asia's first one-stop travel portal designed for UOB Cardmembers. Inspire, plan, and book your next adventure with UOB Cards.
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Now enhanced to make your money work harder as you save and invest or insure with UOB. Subject to qualifying criteria. T&Cs apply. SGD deposits are insured up to S$100k by SDIC.
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Tap your way to 0% FX fees, cashback on MYR spend and instant savings with UNI$ redemption.
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Get instant cash at 0% interest and low processing fees. Choose from 3, 6 and 12-months tenor.
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Invest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund.
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Meet UOB TMRW, the all-in-one banking app built around you and your needs.
Bank. Invest. Be rewarded. Take charge with UOB TMRW.
you are in Personal Banking
For existing customers with cards issued before 1 July 2025, please be informed that your UOB One Credit Card benefits will be updated. Find out more.
Earn up to 3.4% p.a. interest on savings with UOB One Account when you spend on UOB One Card.
| Minimum spend of S$600 per month | Minimum spend of S$1,000 per month | Minimal spend of S$2,000 per month | |
| Quarterly Cashback Minimum spend of S$600/S$1,000/S$2,000 (min. 10 transactions) per month for qualifying quarterly + |
Up to 3.33% (in the form of S$60 cashback) |
Up to 3.33% (in the form of S$100 cashback) |
Up to 3.33% (in the form of S$200 cashback) |
| Additional cashback on Selected Partners (Grab, McDonald’s, Shopee Singapore, SimplyGo) |
5% | 5% | 6.67% |
| Additional cashback on all grocery spendNew |
- | 2.67% | 4.67% |
| Additional cashback on Singapore Power Utilities bill |
1% | 1% | 1% |
| TOTAL CASHBACK | Up to 8.33% | Up to 8.33% | Up to 10% |
| Enhanced cashback* (For new-to-UOB Credit Cardmemebrs only) |
- | 5% | 10% |
| TOTAL CASHBACK (For the first spend quarter) |
Up to 8.33% | Up to 13.33% | Up to 20% |
for all grocery spend locally and overseas (examples: FairPrice, Giant, Cold Storage, Sheng Siong, Prime, Don Don Donki and more)
at McDonald’s, GrabFood and Grab Dine Out Deals
at Grab and SimplyGo (bus and train rides)
at Shopee Singapore
at Singapore Power.
at Shell and SPC
for all grocery spend locally and overseas (examples: FairPrice, Giant, Cold Storage, Sheng Siong, Prime, Don Don Donki and more)
at McDonald’s, GrabFood and Grab Dine Out Deals
at Grab and SimplyGo (bus and train rides)
at Shopee Singapore
at Singapore Power.
at Shell and SPC
S$600, S$1,000 or S$2,000 per month (min. 10 purchases)
consecutively (based on qualifying quarters)
S$60, S$100 or S$200 respectively per quarter
If your UOB One Credit Card statement is on the 15th of every month, a minimum of 10 purchases with a combined minimum spend must be posted before the statement date for you to earn the quarterly cashback. Click here for FAQs.
|
Statement date and minimum monthly spend |
Total Grab, McDonald's, Shopee Singapore and SimplyGo (bus, mrt) | Total GroceryNew Transactions |
Total Singapore Power Transactions |
|---|---|---|---|
| 15 AUG (S$2000) | S$400 | S$600 | S$150 |
| 15 SEP (S$2000) | S$600 | S$600 | S$150 |
| 15 OCT (S$2000) | S$500 | S$800 | S$150 |
Minimum number of purchases per statement period: 10
Cashback earned
15 Nov
(up to 3.33% cashback on all eligible spend)
(additional 6.67% cashback on Grab, McDonald's, Shopee Singapore and SimplyGo (bus,mrt) spend)
(additional 4.67% cashback on all Grocery spendNew)
(Additional 1% cashback on Singapore Power utilities bills)
Enjoy additional cashback of up to 2.67% and 4.67% on all grocery spend when you qualify for S$100 or S$200 Quarterly Cashback.
Additional cashback cap is increased from S$100 to S$120 monthly.
The highest cashback increases from S$2,000 a year to S$2,240!
| Current | New | |
|
Quarterly Cashback |
• Tier 1:S$50 cashback • Tier 2: S$100 cashback • Tier 3: S$200 cashback |
• Tier 1: S$60 cashback • Tier 2: S$100 cashback • Tier 3: S$200 cashback |
|
Minimum monthly spend |
• Tier 1: S$500 (min 5 purchases) • Tier 2: S$1,000 (min 5 purchases) • Tier 3: S$2,000(min 5 purchases) |
• Tier 1: S$600 (min 10 purchases) • Tier 2: S$1,000 (min 10 purchases) • Tier 3: S$2,000 (min 10 purchases) |
|
Cashback % |
Up to 3.33% |
Up to 3.33% |
Changes to the quarterly cashback, minimum monthly spend and transactions will be effective on your next qualifying quarter that begins on or after 1 September 2025 as follows:
• September, October and November
• October, November and December
• November, December, January
Please note that minimum spend and other card conditions apply. Click here for more details and FAQs.
No matter who you are or what you do, we want to make it easy for you to maximise your money and reach your goals. With the UOB One Account, you can earn up to 3.4% p.a. interest in just two steps. That’s how simple it is!
| Account Balance in your UOB One Account | Spend S$500 on your UOB One Card | Spend S$500 on your UOB One Card + Perform 3 GIRO transactions |
Spend S$500 on your UOB One Card + Credit your salary via GIRO |
| First S$75,000 | 0.65% | 1.00% | 1.00% |
| Next S$50,000 | 0.05% | 2.00% | 2.50% |
| Next S$25,000 | 0.05% | 0.05% | 3.40% |
| Above S$150,000 | 0.05% | 0.05% | 0.05% |
| Account Balance in your UOB One Account |
| First S$75,000 |
| Next S$50,000 |
| Next S$25,000 |
| Above S$150,000 |
Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.
Maximum 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 1.40% p.a. for deposits of S$125,000, 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 1.90% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.
Start banking your way with an app built around your personal habits, needs, and goals
Enjoy year-long savings of up to 21.15% on your fuel purchases with the UOB One Card.
Enjoy up to 22.66% off your petrol purchases at SPC with your UOB One Card and SPC&U Card!
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) to redeem amazing rewards!
Enjoy the following benefits when you travel with your UOB One Credit Card:
Add your UOB One Card on the above mobile payment applications to tap and pay securely with your mobile phone at more than 10,000 retail outlets in Singapore. What’s more, you can earn the same cashback on mobile payment as you do with your physical UOB One Card.
Already an existing UOB Credit Cardholder?
Alternative, if you are already a Principal UOB Credit Card Holder, you can send an SMS application to 77672:
<Yesone>space<Last 4 digits of existing UOB Card>space<NRIC>
E.g. Yesone 6789 S1234567A
Sales representatives, if any, may be remunerated for the recommendation or sale of this card.
Applying for your credit card is now faster, simpler and more secure when you apply via UOB Personal Internet Banking or Singpass (MyInfo) - no more endless fields to fill in and documents to upload. Complete your application journey within minutes!
What’s more, you can digitize your card to enjoy convenience of mobile contactless payment when you receive your card!
Click here to find out more common FAQs about your credit card
Click here to find out more about digital banking solutions
Subject to qualifying criteria. T&Cs apply.
‘Highest Cashback’ is based on S$2,600 annual cashback cap with monthly S$2,000 spend compared to major banks’ cashback cards in Singapore as at 15 Apr 2026.
UOB One Card benefits will be enhanced from 1 July 2025:
1Cardmembers who have been awarded the S$60 quarterly cashback will get an additional 5% cashback on the total McDonald’s, Grab (excludes GrabPay Wallet top-ups), Shopee (excludes ShopeePay) and SimplyGo (bus and train rides) transactions. Cardmembers who have been awarded the S$100 quarterly cashback will get an additional 2.67% cashback on all Grocery transactions and an additional 5% cashback on the total McDonald’s, Grab, Shopee and SimplyGo transactions. Cardmembers who have been awarded S$200 quarterly cashback will get an additional 4.67% cashback on all Grocery transactions; an additional 6.67% cashback on the total McDonald’s, Grab, Shopee and SimplyGo transactions; and additional 1.67% cashback on Shell transactions. All Cardmembers who have been awarded the quarterly cashback will get an additional 1% cashback on Singapore Power utilities bill (excluding payments via AXS). All transactions must be successfully charged and posted to the Card Account within the Quarter. Additional Cashback will be capped at S$120 per month.
2Enjoy up to 3.33% cashback based on a retail spend of S$2,000, S$1,000 or $$600 and min. 10 transactions per statement month for each qualifying quarter to earn the quarterly cashback of S$200, S$100 or S$60 respectively. Please note that exclusions apply. Please refer to the full set of Terms and Conditions.
With effect from 21 July 2024, transactions with the transaction description “NORWDS*” will be excluded from the awarding of cashback. Please click here for the full terms and conditions.
W.e.f. 1 October 2024, transactions with the transaction description “AMAZE*” and Merchant Category Codes 5965 Direct marketing –Combination Catalog and Retail Merchants, 5993 Cigar Stores and Stands, 8699 Organizations, Membership-Not Elsewhere Classified (Labor Union) and 8999 Professional Services (Not Elsewhere Classified) will be excluded from the awarding of cashback. Click here for the full terms and conditions.
*Up to 20% cashback: The Promotion is open to new‑to‑UOB credit card customers who apply and are approved for a UOB One Credit Card from 15 May 2026 to 30 September 2026. Eligible cardmembers who meet minimum spend requirements will receive Enhanced Cashback on qualifying transactions during the first quarter from their card approval date. Cardmembers who are awarded the S$60 Quarterly Cashback will receive an enhanced 5% cashback on McDonald’s, Grab, Shopee and SimplyGo transactions only. Cardmembers who are awarded the S$100 Quarterly Cashback will receive an enhanced 5% cashback on McDonald’s, Grab, Shopee, SimplyGo and grocery transactions. Cardmembers who are awarded the S$200 Quarterly Cashback will receive an enhanced 10% cashback on McDonald’s, Grab, Shopee, SimplyGo and grocery transactions. Enhanced Cashback is capped at S$120 per statement month in the first quarter from card approval date. Exclusions apply. Please refer to the full set of Terms and Conditions.
Skip to the good part with UOB One Account. Get up to 3.4% p.a. interest when you spend min. S$500 monthly on an eligible UOB Card AND credit your salary OR make 3 GIRO transactions monthly.
^Subject to qualifying criteria. T&Cs apply.
Visit go.uob.com/online-exclusive for the latest sign-up offer!
Be rewarded when you gift a UOB Supplementary card to your loved ones. Simply login to your UOB Personal Internet Banking account to apply now.
Buy now and pay later with UOB SmartPay. Split your bills into interest-free monthly installments. Now available on UOB TMRW.
Every choice you make helps you curate the life you want. Own it with UOB EVOL Card and enjoy cashback on local and overseas spend!
Extra help, extra fast approval! UOB Personal Loan gives you the financial boost you need with rates from 1.00% p.a. (EIR from 1.93% p.a.).
Stress less with UOB Balance Transfer! Enjoy 12 months of 0% interest at low one-time 4.28% processing fee on your approved loan amount! (EIR from 4.69% p.a.)
Be rewarded when you gift a UOB Supplementary card to your loved ones. Simply login to your UOB Personal Internet Banking account to apply now.
Buy now and pay later with UOB SmartPay. Split your bills into interest-free monthly installments. Now available on UOB TMRW.
Every choice you make helps you curate the life you want. Own it with UOB EVOL Card and enjoy cashback on local and overseas spend!
Extra help, extra fast approval! UOB Personal Loan gives you the financial boost you need with rates from 1.00% p.a. (EIR from 1.93% p.a.).
Stress less with UOB Balance Transfer! Enjoy 12 months of 0% interest at low one-time 4.28% processing fee on your approved loan amount! (EIR from 4.69% p.a.)
Get instant cashback with UOB$ on your favourite dine, retail and lifestyle brands island wide!
Embark on a culinary adventure with our curated collection of reviews, deals and more. A guide designed for the epicurious.
A travel portal to inspire, plan and book your next vacation in one place.
Get the latest deals and inspirations for all your shopping needs. There’s a deal for everyone at ShopUOB.
Travel with Rewards+ on UOB TMRW for access to the hottest regional deals and coupons, curated just for you.
Get instant cashback with UOB$ on your favourite dine, retail and lifestyle brands island wide!
Embark on a culinary adventure with our curated collection of reviews, deals and more. A guide designed for the epicurious.
A travel portal to inspire, plan and book your next vacation in one place.
Get the latest deals and inspirations for all your shopping needs. There’s a deal for everyone at ShopUOB.
Travel with Rewards+ on UOB TMRW for access to the hottest regional deals and coupons, curated just for you.
Find answers, guidance, and support to manage your UOB Card
Add your UOB Credit and Debit Cards to your Apple Wallet and enjoy the ease of payment for your purchases securely via Apple Pay.
As a security measure, you will be required to activate your card before usage. To begin, you can activate your card instantly with these easy ways.
Maximise your UOB card benefits by increasing your credit limit.
Enable your UOB card for overseas use.
Call 1800 222 0990 (local) or +65 6222 0990 (from overseas)
Find answers, guidance, and support to manage your UOB Card
Add your UOB Credit and Debit Cards to your Apple Wallet and enjoy the ease of payment for your purchases securely via Apple Pay.
As a security measure, you will be required to activate your card before usage. To begin, you can activate your card instantly with these easy ways.
Maximise your UOB card benefits by increasing your credit limit.
Enable your UOB card for overseas use.
Call 1800 222 0990 (local) or +65 6222 0990 (from overseas)
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$100,000 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$100,000 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.
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