See how it all adds up
-
Account Balance in your UOB One Account
-
Spend S$500 on your UOB EVOL Card
Total interest for A^ -
Spend S$500 on your UOB EVOL Card
+
Perform 3 GIRO transactions
Total interest for B^ -
Spend S$500 on your UOB EVOL Card
+
Credit your salary via GIRO
Total interest for C^
Account Balance in your UOB One Account | Spend S$500 on your UOB EVOL Card Total interest for A^ |
Spend S$500 on your UOB EVOL Card + Perform 3 GIRO transactions Total interest for B^ |
Spend S$500 on your UOB EVOL Card + Credit your salary via GIRO Total interest for C^ |
First S$75,000 | 0.65% | 2.00% | 3.00% |
Next S$50,000 | 0.05% | 3.00% | 4.50% |
Next S$25,000 | 0.05% | 0.05% | 6.00% |
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.
UOB SmartPay
Whether you choose to #TreatYourself with gym package or pay for insurance bills, we got your back.
Example
- Tenure
- 3 months
- 6 months
- 12 monnths
Tenure | 3 months | 6 months | 12 months |
1-time processing fee | 3% | 3% | 5% |
Effective Interest Rate | 18.18% p.a. | 10.43% p.a. | 9.5% p.a. |
For example, based on a retail purchase of S$3,600: | |||
Monthly instalment | S$1,200 | S$600 | S$300 |
1-time processing fee | S$108 | S$108 | S$180 |
Things you should know
Terms and Conditions
*Get Apple Watch SE 2nd Gen with CASETiFY Impact Band worth S$453
The first 50 new-to-UOB Credit Cardmembers in each calendar month from 7 June 2024 to 31 July 2024 to successfully apply for a UOB EVOL Card and spend a min. of S$1,000 per month for the 2 first consecutive months from their card approval date, will receive Apple Watch SE 2nd Gen with CASETiFY Impact Band worth S$453*
Click here for full terms and conditions.
Apply & Pay within minutes is only valid for New-to-Bank applicants who use Myinfo to retrieve personal details and income information, pass all screening steps and income checks. Applications must be submitted from 7am - 8pm. You will be able to receive your physical card 5 working days upon card approval.
#Up to S$210 cash credit consist of A) and B):
A) UOB Online Account Opening Weekly Promotion (1 May to 30 June 2024)
Promotion is only valid from 1 May 2024 to 30 June 2024 (“Promotion Period”). The Promotion Period consists of 9 promotion weeks with the first week commencing from 1 May 2024 to 5 May 2024 and every calendar week thereafter from 6 May 2024 to 30 June 2024 (collectively, the “Promotion Weeks”). Participants are required to
(i) submit an online account opening application during the Promotion Period for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account, and
(ii) such application must be successfully approved by UOB during the Promotion Period, and
(iii) deposit min. S$8,000 of Fresh Funds into their new UOB account in the account opening month, and
(iv) hold the deposited Fresh Funds till the end of the following calendar month. For existing UOB deposit customers, fresh funds deposited into their new UOB account must result in a corresponding increase of at least S$8,000 when compared against the total month-end balance of all other UOB current accounts and/or savings accounts as at 30 April 2024. “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 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. First 100 participants in a Promotion Week to satisfy all of the aforementioned conditions will be eligible to receive S$80 cash credit (for new UOB deposit customers) or S$40 cash credit (for existing UOB deposit customers). Click here for full terms and conditions.
AND
B) Up to S$130 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 April 2024 to 28 June 2024) by successfully submitting an online participation form at UOB Singapore website and completing any or all of the following actions:
(i) 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, or/and who successfully perform a loan repayment transaction for their UOB car loan or UOB home loan 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.
(ii) S$50 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.
(iii) 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.
Insured up to S$100k by SDIC
1EVOL Card benefits will be enhanced from 7 June 2024: To enjoy 10% cashback on online, mobile and overseas in-store FX spend, a min. spend of S$800 per statement month on your card is required. If the min. spend is not met, only the base 0.3% cashback on your online, mobile contactless and overseas in-store FX spend will be awarded. Cashback is capped at S$80 per statement month (S$30 cap for Online and Mobile Contactless; S$20 cap for overseas in-store FX spend; and S$30 on all other Spend). Exclusions and other terms and conditions apply.
To minimize disruptions for existing UOB EVOL Cards issued before 7 June 2024, the existing cardmembers can enjoy the enhanced benefits from the next statement cycle from 7 August 2024, please click here for Frequently Asked Questions.
Please refer here for full FAQs for the UOB EVOL Card.
2Enjoy no annual fees when you make min 3 transactions on your UOB EVOL Card every month for 12 consecutive months prior to your card annual fee charge date.
3The 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.
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.
Maximum effective interest rate (EIR) on the One Account is 4.00% 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.
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.
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$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.