Get 10% cashback+ plus S$350 Grab vouchers* when you apply for the UOB Absolute Cashback Card now!
A great idea for cashback, made simple
1.7% limitless cashback rate^ 
Highest limitless cashback rate in Singapore at 1.7%.
No minimum spend
Flat cashback earn rate with no minimum spend.
No spend exclusions
The only credit card with no spend exclusions.
Cashback on everything? Absolutely.
Enjoy 1.7% cashback with no cap on cashback earned across all your spend including the categories below, as well as big purchases such as home furnishings, electronics and luxury shopping.
Insurance
Pay your premiums.
School Fees
Settle your fees for academic institutions, courses, tuitions and more.
Wallet Top-ups
Top up your mobile or e-wallets.
Healthcare
Pay for your medical and hospital bills.
Utilities and Telco Bills
Consolidate your recurring bill payments.
Rental
Make rental payment.
Enjoy up to S$100 GrabFood vouchers when you apply for UOB Absolute Cashback Supplementary Card!
-
Be the first 200 customers to meet the Minimum Eligible Spend requirements for 3 consecutive months.
Terms and conditions apply.
Enjoy up to S$100 GrabFood vouchers when you apply for UOB Absolute Cashback Supplementary Card!
-
Be the first 200 customers to meet the Minimum Eligible Spend requirements for 3 consecutive months.
Terms and conditions apply.
Promotions
American Express
Local Deals Near You
Explore and enjoy exclusive offers in Singapore with your UOB Absolute Cashback Card. Simply register for the offer to be eligible!
American Express
Hong Kong Network Offers
Enjoy up to 35% savings when traveling to Hong Kong. Year-round offers at nearly 100 popular merchants, including Moon Lok Chiu Chow, Pricerite, Dior Beauty, Fortress and more.
American Express
Fun Taiwan Offers
- Indulge in a wide range of benefits when traveling to Taiwan. Offers include discounts for dining, shopping, accommodation and more.
Shop
Amore Fitness
S$100 off Fitness Package
Valid till 31 Dec 2023.
American Express
Avis
-
Up to 15% discount off standard rates on car rentals via the dedicated Amex landing page
- Complimentary upgrade voucher redeemable from dedicated Amex landing page
Shop
Beyond The Vines
-
10% off with min spend S$100
Promo code: UOB<first 6 digits of UOB cardnumber>
Valid till 31 Dec 2023
American Express
Complimentary Travel Insurance
Public Conveyance Personal Accident coverage and emergency medical assistance of S$500,000 and Emergency Medical Assistance, Evacuation & Repatriation coverage up to S$50,000 due to an accident or illness (including due to COVID-19)+. Click here to activate (at least 5 working days before your trip).
Travel
Emirates
-
10% off Flex and Flex Plus fares for Business and Economy class
-
5% off Saver fares for Business and Economy class
Promo Code: SGUOB01
Booking period: Valid till 30 June 2023
Travel period: Valid till 31 Jul 2023
Shop
Enfagrow
- New user offer: Extra 20% off with no min. spend, capped at S$200
Promo code: NEWUOB23 - Existing user offer: Extra 12% off with min. spend S$320, capped at S$200
Promo code: 12UOB23
Valid till 31 Dec 2023
Travel
Expedia
- Additional 9% off hotel bookings worldwide
Promo code: UOBSG09 - S$15 off "flight + hotel" package bookings (minimum spend of S$500)
Promo code: UOBSG15
- Booking period: Till 31 Dec 2023
- Travel period: Till 31 Mar 2024
American Express
Inner Harmony
Enjoy a 60-min Inner Harmony Therapeutic Massage or IH time Up Facial at S$68++ (U.P. S$180).
Valid till 30 Jun 2023
Shop
Lingo Bus
- 10% off first payment for 1 on 1 Chinese Live Class
Register to get free gift (1 Chinese Trial Class + 1 Year Access to Chinese Picture Book Library)
Valid till 31 Aug 2023.
American Express
Locus Habitat
Receive a complimentary floor mat worth S$1,400 with min. S$7,000 spend and an additional 10% savings with min. S$10,000 spend.
Valid till 31 Oct 2023
Dine
LUCE by Davide Giacomelli, Intercontinental Singapore
15% off total bill
Valid till 30 Dec 2023 for dine-in only.
Dine
Man Fu Yuan, InterContinental Singapore
15% off total bill.
Valid till 30 Dec 2023 for dine-in only.
Travel
Pan Pacific Hotels Group
- 10% off Best available rate
- Additional 10% off for Pan Pacific DISCOVERY members
- Complimentary breakfast for up to 2 adults and children aged 12 and below
- Free stay for children aged 12 and below
- 15% off total dining bill (including beverages)
Valid till 31 Dec 2023
Dine
Prego, Fairmont Singapore
20% off food bill.
Valid till 30 Dec 2023 for dine-in only.
Shop
Shopee
- S$12 off with min. S$20 spend for New-to-Shopee customers
Promo code: UOB12NEW
Valid till 31 Dec 2023.
Shop
Sony
- Get S$20 gift card with min. S$200 spend
Valid till 30 Jun 2023
American Express
Tablet Plus
Complimentary 2 year Tablet Plus membership (worth USD99 per year) with perks like room upgrades, free breakfast, late check-out, spa credits, and more on your hotel bookings.
Dine
The Buffet, M Hotel Singapore
15% off buffet.
Valid till 31 Dec 2023 for dine-in only.
Dine
The Lobby Lounge, InterContinental Singapore
15% off total bill.
Valid till 30 Dec 2023 for dine-in only.
Dine
The Salon, Hotel Fort Canning Singapore
15% off a la carte menu.
Valid till 31 Dec 2023 for dine in only.
Travel
Trip.com
- S$50 off min. spend S$400
Promo code: UOBFLY50
Book now: sg.trip.com/w/uob-sg
Valid till 31 Dec 2023.
Travel
Wyndham Hotels & Resorts
Stay 2 Nights and save 30% off the Best Available Rate at Participating Hotels along with the following inclusions (subject to availability):
- Preferred Room
- Late checkout
- Early check-in
Book now: https://www.wyndhamhotels.com/hotel-deals/uob
Valid till 31 Dec 2023.
Compare accounts
Other benefits
UOB TMRW
The all-in-one app for all your personal needs. It’s banking made simple, easy and personal for you.
UOB SmartPay
Buy now and pay later, plus enjoy interest-free monthly instalments.
UOB Utility marketplace
Powering your home with the largest network of utility providers
Things you should know
Eligibility and fees
Eligibility
Minimum 21 years oldDeliver
For Singapore citizens and permanent residents
- Minimum annual income of S$30,000 is required OR
- Fixed Deposit collateral of at least S$10,000#
For Foreigners
- Minimum annual income of S$40,000 is required OR
- Fixed Deposit collateral of at least S$10,000#
Documents required: Click here.
Fees:
Principal Card- S$194.40* yearly
- First year card fee waiver
Supplementary Card
- First card free
- S$97.20* for subsequent cards
*Inclusive of Singapore’s prevailing Goods and Services Tax (GST)
#Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.
For exisiting Principal UOB Credit Card holders
Alternatively, if you are already a Principal UOB Credit Card holder, you can send an SMS application to 77672:
- <Yesabsolute>space<Last 4 digits of existing UOB Card>space<NRIC#>
SMS T&Cs apply.
Frequently asked questions
What are the key features of the UOB Absolute Cashback Card?
Enjoy the highest limitless cashback rate of 1.7% with the only credit card in Singapore with no spend exclusions^. Plus the no cap on cashback earned and no minimum spend means it is absolutely simple to earn cashback with UOB Absolute Cashback Card.
With effect from 15 January 2023, the cashback rate awarded for Grab mobile wallet top-up transactions has been revised to 0.3%. Visit uob.com.sg/absolutetncs for details.
Once you have received your UOB Absolute Cashback Card, visit uob.com.sg/activate to activate and start using your card.
What transactions are eligible for cashback?
Transactions at all merchants who accept American Express credit card payments are eligible for cashback.
However, it does not include NETS and NETS-related transactions, 0% Instalment Payment Plans, SmartPay, Personal Loans, balance/funds transfers, cash advances, any fees and/or charges (including without limitation, late payment charges, interest charges, annual or monthly fees or charges, service fees or processing fees) imposed by UOB.
How is my cashback calculated?
Your cashback is computed based on the total value of transactions successfully charged and posted within your credit card statement period.
Cashback earned for current statement period will be credited to the principal card account and reflected in the next statement to automatically offset any billed amount for your UOB Absolute Cashback Card account in that same statement. The cashback earned will be rounded to the nearest two decimal places, reflected in statement with transaction description "UOB Absolute Cashback", no redemption of cashback is required.
Example: Your billing cycle is 10th of every month and you spent S$99 on 11 May
| Credit Card statement dated 10 Jun | Credit Card statement dated 10 Jul |
|
S$99 transaction on 11 May posted to statement |
Cashback earned of S$1.68 (S$99 x 1.7%) credited into statement |
What happens to my cashback if I have a reversal of my transaction on my card?
In the event of any cancelled, disputed and/or reversed transactions, you will need to make incremental spend to offset the reversed transaction amount in order to continue earning Cashback.
Will there be any scenarios for my cashback to be disqualified?
The Card shall only be used for your own legitimate and genuine personal expenses and shall not be used for commercial or other non-personal expenses.
UOB may deduct, re-compute, withdraw, forfeit and/or cancel any Cashback earned and/or awarded and/or cancel and terminate your Card, without giving any reason or prior notice or assuming any liability to you, if:
- spending on your Card account is deemed by UOB in its sole and absolute discretion to be for commercial, illegitimate, not genuine, commercial and/or non-personal purposes;
- your Card account is not in good standing and not conducted in a proper and satisfactory manner at any time as determined by UOB in its sole discretion;
- your Card account is overdue;
- UOB deems in its sole discretion that there is an abuse of the Cashback programme (whether via unusual, illegitimate, and/or not genuine transaction activities or otherwise);
- relevant Cashback was not earned from qualifying spend; or
- for any other reason that UOB may determine in its sole discretion.
No payment or compensation in respect of such deduction, re-computation, withdrawal or cancellation will be made.
Can I use my UOB Absolute Cashback Card for contactless payments?
Yes, all UOB American Express Cards are eligible for contactless payments except for mobile contactless payments (eg Apple Pay, Google Pay, Samsung Pay, etc, are not enabled).
Where do I find the CVV code on my UOB Absolute Cashback Card for online payment
Please key in the 4-digit Card Security Code that is printed on the front of your UOB Absolute Cashback Card when making online payment.
American Express is a trademark of American Express. The UOB Absolute Cashback American Express® Card is issued by United Overseas Bank Limited pursuant to license from American Express.
Related products and services
UOB Balance Transfer
You can enjoy best rate guaranteed, flexible monthly repayment amount and short-tenor from 6 or 12 months.
UOB PRVI Miles Card
Get started with the highest limitless miles card with 1.4 miles per S$1 spend locally (UNI$3.5 per S$5 spend) or 2.4 miles per S$1 spend overseas (UNI$6 per S$5 spend). Plus, enjoy 6 miles per S$1 spend on your hotel and airlines bookings (UNI$15 per S$5 spend).
UOB Personal Loan
Instant, convenient and timely. Apply for UOB Personal Loan online now, and enjoy a low interest of 3.68% p.a. (EIR 7.21% p.a .) with up to S$600 cash rebate.
Explore more with UOB card privileges
The Dining Advisor
Short-circuit your search for good food with a comprehensive new food guide designed to feed your food obsessions.
The Travel Insider
A travel portal to inspire, plan and book your next vacation in one place.
ShopUOB
Get the latest deals and inspirations for all your shopping needs. There’s a deal for everyone at ShopUOB.
UOB Rewards+
Enjoy curated UOB Card deals, cashback and rewards with UOB Rewards+. View, track and redeem more of what you love, all on UOB TMRW
Explore more with UOB card privileges
The Dining Advisor
Short-circuit your search for good food with a comprehensive new food guide designed to feed your food obsessions.
The Travel Insider
A travel portal to inspire, plan and book your next vacation in one place.
ShopUOB
Get the latest deals and inspirations for all your shopping needs. There’s a deal for everyone at ShopUOB.
UOB Rewards+
Enjoy curated UOB Card deals, cashback and rewards with UOB Rewards+. View, track and redeem more of what you love, all on UOB TMRW
Card services
Card activation
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.
Increase your credit limit
Maximise your UOB card benefits by increasing your credit limit.
Overseas card use
Enable your UOB card for overseas use.
Report lost / stolen card
Call 1800-222-2121 (local) or +65 6222 2121 (from overseas)
More UOB card services
Learn more on how to better manage your and protect your transactions.
Card services
Card activation
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.
Increase your credit limit
Maximise your UOB card benefits by increasing your credit limit.
Overseas card use
Enable your UOB card for overseas use.
Report lost / stolen card
Call 1800-222-2121 (local) or +65 6222 2121 (from overseas)
More UOB card services
Learn more on how to better manage your and protect your transactions.
Other useful links
UOB Cardmembers’ Agreement
Click here for a copy of the UOB Cardmembers’ Agreement.
General information on UOB Cards
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