- Receive a complimentary fourth night and complimentary room upgrade to the next room category, subject to availability at check-in, when booking directly with Banyan Group, using code “AMEX”.
- Enjoy added benefits, including complimentary daily breakfast for two, 20% savings on food and non-alcoholic beverages, à la carte spa treatments (excluding salon services).
- Valid till 31 Mar 2027. Terms apply.
A great idea for cashback, made simple
Cashback on everything? Absolutely.
Enjoy 1.7% cashback^ on all your purchases eg. public transport, weddings, luxury purchases and more,
and 0.3% cashback^ on transactions which are commonly excluded from earning rewards
Promotions

Travel
Banyan Group

Travel
Explore Indonesia
- Enjoy 50% discount on Bluebird and Silverbird rides around Indonesia.
- Valid till 31 Dec 2026. Terms and Conditions apply.

Travel
Explore Vietnam
- Discover vibrant Vietnam, from bustling cities and rich heritage to scenic coasts, with curated offers across dining, stays and shopping.
- Valid till 28 Feb 2027. Terms and Conditions apply.

Travel
Explore China
- Enjoy up to 30% off premium restaurants across Shanghai, Beijing, Guangzhou, Shenzhen and Chengdu.
- Valid till 31 Dec 2026. Exclusions apply.

Travel
Small Luxury Hotels of the World Limited

Travel
Explore Maldives
Experience Maldives now: Discover more with exclusive offers for American Express® Cardmembers
UOB Absolute Cashback Card: Eligibility and Fees
Eligibility and fees
Age Requirement
- 21 years and above
Minimum Income:
Singaporeans/PR:
- S$30,000 p.a. (55 years old and below)
- S$15,000 p.a. (56 years and above)
- Fixed Deposit collateral of at least S$10,000#
Foreigners
- S$40,000 p.a.
- Fixed Deposit collateral of at least S$10,000#
Need help? You can refer to our FAQ page.
#Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.
Fees:
Principal Card- S$196.20* yearly
- First year card fee waiver
Supplementary Card
- First card free
- S$98.10* for subsequent cards
*Inclusive of Singapore’s prevailing Goods and Services Tax (GST)
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this card.
For existing 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>
E.g. Yesabsolute 6789 S1234567A
SMS T&Cs apply.
Terms and conditions
^”Highest limitless cashback card” refers to the highest cashback rate in Singapore in comparison to other banks’ credit cards across Singapore that rewards a flat cashback with no minimum spend, no cap on cashback earned and cashback on spend categories commonly excluded from earning rewards by other cashback cards, as at 31 August 2026.
Cardmember can enjoy an earn rate of 1.7% on selected overseas and local spend, and 0.3% on transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab mobile wallet top-ups. Transactions which are awarded 0.3% cashback are listed in the Terms and Conditions Governing UOB Absolute Cashback Card.
For full UOB Absolute Cashback Card terms and conditions, visit here.
UOB Absolute Cashback Card FAQs
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, 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%.
With effect from 6 May 2024, the cashback rate awarded for local transactions classified under the selected MCCs (charity, education, government, healthcare, utilities, and other professional services) has been revised to 0.3%.
With effect from 4 September 2026, the cashback rate awarded for overseas transactions classified under selected MCCs (charity, education, government, healthcare, utilities, and other professional services) and Grab mobile wallet top-ups will be revised to 0.3%. Click here 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.
The UOB Absolute Cashback American Express® Card is issued by United Overseas Bank Limited pursuant to license from American Express.
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