Benefits

Enjoy cashback for daily spend

Enjoy cashback for daily spend

Up to 3% cashback on daily spend

Maximize your savings

Maximize your savings

Up to 6.0% p.a. interest3 on UOB One Account when you spend on UOB One Debit Card. Insured up to S$100k by SDIC.

More Rewards

More Rewards

Enjoy curated UOB Card deals, cashback and rewards with UOB Rewards+

Up to 3% cashback1 on your daily spend

Up to 3% cashback1 on your daily spend

Benefits

More convenience with SimplyGo

More convenience with SimplyGo

Pay for public bus and train rides directly with your UOB One Debit Card via contactless and mobile payment.

Withdraw cash overseas with no additional charges

Withdraw cash overseas with no additional charges

Free transaction fee for cash withdrawal at UOB ATMs in Malaysia, Indonesia and Thailand!

Spend control and no more monthly bills

Spend control and no more monthly bills

Have your purchases debited directly from your account!

Contactless NETS payment

Contactless NETS payment

Simply tap. to enjoy fast and seamless contactless NETS payment

Privileges

  • All
  • Visa
  • Mastercard
  • UOB TMRW
  • Fuel Savings
  • Mobile Pay
Visa Platinum Privileges
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Visa

Visa Platinum Privileges

  • Enjoy a wide variety of offers and deals, including travel, food and wine, dining, shopping, sports, entertainment and more.
World Debit Mastercard Privileges
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Mastercard

World Debit Mastercard Privileges

  • Enjoy exclusive discounts on ride-hailing, food delivery, online shopping and more.
  • Get peace of mind with Mastercard’s protection from identity theft and fraudulent purchases.
Make TMRW yours
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UOB TMRW

Make TMRW yours

Start banking your way with an app built around your personal habits, needs, and goals

  • Check your account balance anytime instead of waiting for your monthly statement
  • Manage your money easily with UOB Insights, where you can track spend by categories and get informed when your UOB One Card cashback are credited
  • Pay your bills conveniently in the comfort of your home
  • Over 13,000 deals, weekly UOB Coupons up for grabs and dining inspirations within Rewards+
Get even higher savings with every pump at Shell
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Fuel Savings

Get even higher savings with every pump at Shell

Enjoy year-long savings of 14% on your fuel purchases with the UOB One Debit Card.

    Pump at SPC and save with UOB One Card
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    Fuel Savings

    Pump at SPC and save with UOB One Debit Card

    Enjoy up to 20% off your petrol purchases at SPC with your UOB One Debit Card and SPC&U Card!

    • Enjoy an incredible 15% off petrol purchases with your UOB One Debit Card and SPC&U Card
    • Save up to 5% discount in a single transaction for every S$51 charged to your UOB One Debit Card
    Pay with your mobile phone
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    Mobile Pay

    Pay with your mobile phone

    Add your UOB One Debit Card to your 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 Debit Card.

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      Things you should know

      Eligibility and fees
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      Eligibility and Fees:
      Minimum 16 years old


      For Singaporeans/PR/Foreigners

      • No minimum income requirements
      • Holds a UOB Savings Account/Current Account


      Annual Fees
      S$18.34 yearly (First 3 years card fee waiver)
      Annual fee waiver with 12 Visa/Mastercard transactions per year

      ^McDelivery Coupons will be released on Fridays via UOB TMRW app till 27 December 2024. Coupons are valid for redemption within 30 days from the release dates via McDonald’s app. Coupons can be used to enjoy S$4.50 off deliveries every day (equivalent to free deliveries) with min. S$20 spend on UOB One Credit and Debit Cards via McDonald’s app. McDonald’s free delivery coupon expiry dates and terms and conditions apply. Click here for FAQs.

      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 Membership Organizations (Not Elsewhere Classified) and 8999 Professional Services (Not Elsewhere Classified) will be excluded from the awarding of cashback

      W.e.f 1 January 2024, the One Debit Card annual fee will be adjusted to S$18.34 yearly (inclusive of 9% GST)

      W.e.f. 1 August 2022, payments to IPAYMY, RWS-LEVY, SMOOVE PAY, SINGPOST – SAM, Razer Pay and CardUp will be excluded from the awarding of cashback.

      W.e.f. 1 March 2022, please be informed that transactions with transaction description “AMAZE* TRANSIT*” will be excluded from the awarding of cashback.

      “Most generous debit card” is based on (i) up to 3% cashback awarded on the UOB One Debit Card for purchases of daily spend and (ii) up to 6% p.a. interest on the UOB One Account with a retail spend of S$500 per month, when compared against other cashback debit cards issued in Singapore as at 1 April 2024. Terms and conditions apply.

      1Enjoy 3% cashback on McDonald's, 3% cashback on DFI Retail Group transactions (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven, Jasons and Jasons Deli), 3% cashback on Shopee Singapore transactions (excludes ShopeePay), 3% on SimplyGo (bus and train rides) & 1% cashback on Grab transactions (excludes mobile wallet top-ups) with a minimum monthly spend of S$500. Cashback is capped at S$20 per calendar month across McDonald’s, DFI Retail Group, Shopee Singapore, SimplyGo & Grab transactions. McDonald's is with effect from 1 October 2023. With effect from 21 July 2024, transactions with the transaction description “NORWDS*” will be excluded from the awarding of UNI$, cashback, and KrisFlyer Miles. Please click here for the full terms and conditions.

       

      Get Up to S$240 cash credit comprising:
      1) Either S$80 or S$60 or S$30 cash credit
      AND
      2) up to S$160 cash credit

      1) UOB Online Account Opening Weekly Promotion (1 November to 31 December 2024)
      Valid from 1 November 2024 to 31 December 2024 (“Promotion Period”). Limited to the first 100 customers of each Promotion Week, namely from 1 to 10 November 2024 and every calendar week from 11 November to 31 December 2024, (i) who submit an online account opening application during a Promotion Week for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account, and (ii) whose application is successfully approved during the Promotion Period, and (iii) deposit min. S$5,000 of Fresh Funds into their new UOB account within the same calendar month as their new UOB account’s opening calendar month, and (iv) hold the deposited Fresh Funds till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all their other UOB current accounts and/or savings accounts as at 31 October 2024 and such increase must be maintained till the end of the following calendar month. Eligible new-to-UOB customers will be eligible to receive S$80 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$60 cash credit, and eligible existing-to-UOB deposit customers will be eligible to receive S$30 cash credit. “Fresh Funds” means funds (a) in the form of non-UOB cheques or non-UOB cashier’s order; (b) that are not transferred from any existing UOB current/savings or fixed deposit account; and (c) that are not withdrawn from any existing UOB current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account at any time during the Promotion Period. T&Cs apply. Click here for full terms and conditions.

       

      And

      2) Up to S$160 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 October 2024 to 31 December 2024) by successfully submitting an online participation form between 1 October 2024 to 31 December 2024, both dates inclusive. (available at the official UOB website) to receive the following cash rewards:

      1. S$30 cash credit for customers who successfully perform a bill payment of min. S$30 per transaction from their designated Eligible UOB savings account in this Promotion via GIRO with the transaction description “GIRO-Inward Debit”, or/and who successfully perform a loan repayment transaction for their UOB car loan4 or UOB home loan4 from their designated Eligible UOB savings account for this Promotion, in each case, within the next two calendar months from the date of submission of the online participation form.
      2. S$80 cash credit for customers who successfully credit their monthly salary of min. S$1,600 (for all customers other than full time National Serviceman) or at least S$500 (for customers who are full time National Serviceman) into their designated Eligible UOB savings account for this Promotion via GIRO or PayNow# within the next two calendar months from the date of submission of the online participation form
      3. S$50 cash credit for customers who successfully credit their CDP dividends of min. S$50 per transaction into their designated Eligible UOB savings account for this Promotion via Direct Credit Service~ within the next two calendar months from the date of submission of the online participation form.

      Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

      Full terms and conditions apply and can be accessed here.

      4Repayment of your UOB car and home loan instalment must be reflected with the transaction description “Misc Debit” and bank reference of "Trf. Wd. Loans” to be eligible.

      #Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.

      ~ CDP dividends must be credited from the Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.

      Insured up to S$100k by SDIC.

      2There is no transaction fee charged for withdrawing cash at UOB ATMs in Malaysia, Indonesia and Thailand. A S$5 service charge per cash withdrawal will be charged for cash withdrawals on non-UOB ATMs. The amount of cash drawn is subject to foreign exchange rates. For the foreign exchange rate used for your cash withdrawal transaction, please refer to your statement of accounts for the Foreign and home currency withdrawal details. For more information, please click here.

      3Total 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 2.40% 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.

       

      The maximum annual interest for deposits of S$150,000 in the One Account is S$6,000 and is calculated based on the maximum effective interest rate (EIR) of 4.00% p.a., 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.

       

      Debit Card Campaign Terms and Conditions
      Terms and Conditions governing the UOB Debit Mastercard S$10 GrabFood Voucher Promotion, please click here.

      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.

      Get up to S$240 cash credit1 when you apply for UOB One Debit Card & UOB One account now!

      Get up to S$240 cash credit1 when you apply for UOB One Debit Card & UOB One account now!

      Bundle up for even more benefits

      Earn higher interest on your savings with One Account –up to 6.0% p.a. in just two steps

      Skip to the good part with UOB One Account. Get up to 6.0% p.a. interest in just two steps!

      Skip to the good part with UOB One Account. Get up to 6.0% 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.

      Visit uob.com.sg/uobsavers for the latest sign-up offer!

      Visit go.uob.com/online-exclusive for the latest sign-up offer!


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      Card services


      Card services

      Other useful links

      UOB Cardmembers’ Agreement
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      Click here for a copy of the UOB Cardmembers’ Agreement.

      Click here for a copy of the UOB Debit Cardmembers’ Agreement.

      Click here for a copy of the UOB Debit Card Fees and Charges.

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