Rack up cashback all day

Up to 10% cashback on dining, online shopping, groceries, health and beauty, convenience stores, transport, utilities and more every time you spend with UOB One Credit Card. Find out more

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 1.90% 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 3.30% 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.

Up to 10% cashback 
Cardmembers who have been awarded the S$100 or S$50 quarterly cashback will get an additional 5% cashback and cardmembers who have been awarded S$200 quarterly cashback will get an additional 6.67% cashback on the total McDonald’s, DFI Retail Group (such as Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli), Grab (excludes mobile wallet top-ups), Shopee Singapore transactions (excludes ShopeePay), SimplyGo (bus and train rides) and UOB Travel (excludes online and flight only bookings) and additional 1.67% cashback on Shell transactions successfully charged and posted to the Card Account in each statement month. All Cardmembers who have been awarded the quarterly cashback will get an additional 1% cashback on Singapore Power utilities bill (excluding payments via AXS) successfully charged and posted to the Card Account in each statement month. Additional cashback will be capped at S$100 per month.

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.

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.

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$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 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.

Get even higher savings with every fill at Shell

Terms and Conditions
*Valid for limited redemptions or till 31 May 2025, whichever is earlier.

¹Up to 24% savings for UOB One Credit Card is calculated based on 5% upfront Shell station discount, 5% upfront Shell GO+ membership discount, 3% upfront Shell SmartPay discount, 7% UOB One Card instant discount, and, if applicable, up to 5% UOB One Credit Card cashback.

²Enjoy up to 3.33% cashback based on a spend of S$2,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cashback of S$200. Cardmembers who have been awarded S$200. Cardmembers who have been awarded S$200 quarterly cashback will get an additional 1.67% cashback on Shell transactions. Click here for full terms and conditions.

³Instant 17% discount for UOB One Debit Card is calculated based on 5% upfront Shell station discount, 5% upfront Shell GO+ membership discount, 3% upfront Shell SmartPay discount and 4% upfront discount for UOB One Debit Card.

Other Terms and Conditions apply. Visit go.uob.com/shell for more details.

Pump at SPC and save with UOB One Card

Enjoy up to 22.66% off your petrol purchases at SPC with your UOB One Card and SPC&U Card!
To get the best savings, sign up for an SPC&U Card and receive it instantly at the station.

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

⁺S$3 off is only applicable with every S$51 nett spend after all station discount and/or coupons are deducted from the gross amount for payment made with a physical UOB Visa, Mastercard or UnionPay Credit/Debit Cards only. Non SPC&U members are entitled to a 5% discount. Offer is valid till 30 June 2025.

^#Enjoy up to 3.33% cashback based on a spend of S$500 / S$1,000 / S$2,000 monthly for each qualifying quarter with min. 5 purchases monthly to earn the quarterly cashback of S$50 / S$100 / S$200. Click here for full terms and conditions.

*Calculation is based on total dollar savings of S$60.00 gross spend.

Open to all SPC&U and UOB Cardmembers only. Other Terms and Conditions apply. Refer to attached PDF for more details.

Note: No UNI$ will be issued for all transactions at SPC except for payment made with UOB issued American Express Credit Cards only.

Wef 1 Jan 2021, you will be required to apply to activate your complimentary travel insurance coverage for your UOB One Credit Card at least 5 working days before your trip. Click here to activate.

W.e.f. 1 Jan 2024, the UOB Complimentary Travel Insurance for selected UOB Cards will be extended to cover the Cardmember’s spouse and dependent child(ren). T&Cs apply.

The specific details applicable to this insurance are set out in the Insurance Certificate and Agreement which is the operative document. Terms, conditions and exclusions apply. Please seek advice from a qualified advisor if in doubt.

UOB Payment Facility
Frequently Asked Questions

• What is UNI$?
  It is a loyalty rewards programme where UOB Cardmembers earn UNI$ whenever he/she spend on his/her eligible Cards. Cardmembers can redeem for any exciting reward items from shopping, dining vouchers to movie tickets and more that are available in the UOB Rewards Catalogue via Personal Internet Banking or UOB TMRW app whenever he/she has sufficient UNI$.
• When do my UNI$ expire?
  UNI$ earned shall expire 2 years from the last day of each periodic quarter in which the UNI$ was earned.
• Can I choose to earn get cashback instead of UNI$ for my UOB Payment Facility transaction?
  No, UNI$ will be earned only on UOB Payment Facility transactions. You will continue to enjoy cashback on your other eligible card spend as per UOB One Card Terms and Conditions.

Click here for more FAQ on UNI$

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 1.90% 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 3.30% 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.​

Here’s how in 3 simple steps:

Step 1: Apply for an eligible UOB Credit Card
Simply apply online from now till 31 August 2024.

Step 2: Register via SMS
SMS CCAF‹space›last 4 characters of your NRIC/Passport to 77862
(example: CCAF 567A if your NRIC is S1234567A)

Step 3: Activate your UOB Credit Card and start spending!
New-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1 August 2024 and 31 August 2024 (both dates inclusive), spend a min. of S$1,000 in the first 30 days from their card approval date and pay the annual fee for the 1st year of their card membership, will receive a pair of Sony Headphones 1000XM5.

Here is how you can accumulate your chances to win!

Step 1: Register here or via Rewards+ on UOB TMRW app to participate
(You only need to register once to participate in the lucky draw and spend and collect campaign)

Step 2: Spend and save with UOB

• 1 chance for every S$50 spend on UOB Credit/Debit Card
• 1 chance for every S$500 top-up of new funds into any UOB Deposit Account
• 1 chance for every S$50 spend via Scan to pay on UOB TMRW app

Bonus lucky draw chance giveaway
Increase your chances of winning! Visit Rewards+ on UOB TMRW every Wednesday and grab your bonus lucky draw chance coupon! Get 1 bonus chance when you successfully grab a lucky draw chance coupon. Limited coupons up for grab so fastest fingers first! Find out how to grab coupons here.

^# Terms and conditions apply. Find out more here.

Here is how you can be part of the magic with our limited-edition Captain Mickey and friends plushies collection, presented in a uniquely designed box.

Step 1: Register here or via Rewards+ on UOB TMRW app to participate
(You only need to register once to participate in the lucky draw and spend and collect campaign)

Step 2: Be the first 1,000 to spend a min. of S$2,000 on UOB One Card within each qualifying period.

Spend & Collect Qualifying Periods:

• Period 1: Sailor Donald (18 Nov to 27 Nov 2024)
• Period 2: Sailor Daisy (28 Nov to 7 Dec 2024)
• Period 3: Sailor Pluto (8 Dec to 17 Dec 2024)
• Period 4: Sailor Goofy (18 Dec to 27 Dec 2024)
• Period 5: Sailor Chip (28 Dec 2024 to 6 Jan 2025)
• Period 6: Sailor Dale (7 Jan to 16 Jan 2025)
• Period 7: Captain Minnie (17 Jan - 26 Jan 2025)
• Period 8: Captain Mickey (27 Jan - 5 Feb 2025)

For example: If you are looking to get Sailor Pluto, you will need to be the first 1,000 to spend S$2,000 between 8 Dec to 17 Dec 2024 qualifying period.

^# Terms and conditions apply. Find out more here.

• S$7 off instantly with min. spend of S$80 on every Friday at Cold Storage / CS Fresh
  Valid every Friday from 7 March to 30 May 2025. Limited redemptions available per store. Valid at all Cold Storage and CS Fresh physical stores except Jasons Deli and One North stores. Not valid for purchases at self-checkout counters, foodpanda app and Cold Storage Online. Offer is not applicable to purchase statutory products and items on the exclusion products list. Other terms and conditions apply.
• S$5 off instantly with min. spend of S$60 on every Friday at Giant
  Valid every Friday from 21 Mar to 30 May 2025. Limited redemptions available per store. Valid at all Giant stores. Not valid at self-checkout counters and for foodpanda app purchases. Offer is not applicable to purchase of statutory products and items on the exclusion products list. Other terms and conditions apply.
• S$1.20 off instantly with min. spend of S$12 on every Friday at 7-Eleven
  Offer is valid from 14 March to 30 May 2025 on every Friday or limited to first 34,000 redemptions, whichever is earlier. Valid at all 7-Eleven stores except Airport stores. Not applicable for the purchase of tobacco products, alcohol, gift cards, or payments on all service items such as bills, top-ups, and similar items. Other terms and conditions apply.