Earn points by recycling with us and redeem them with sustainable partners across Singapore
Get S$350 cash credit* when you apply now!
Benefits
Own every evolution with the UOB EVOL Card, and get 10% on all online, mobile contactless and overseas in-store FX spend (using your physical card)! Plus, no annual fee.
10% cashback1 on all you love
10% cashback on online, mobile contactless and overseas in–store FX spendNEW
No annual fee2
When you make 3 transactions monthly
Maximise your savings
Up to 5.3% p.a. interest on UOB One Account when you spend with UOB EVOL Card.
Existing UOB EVOL Cardmembers
To minimize disruptions for existing UOB EVOL Cards issued before 7 Jun 2024, you can enjoy the enhanced benefits from your next statement generated from 7 Aug 2024 if you are an existing cardmember
| UOB EVOL Card existing benefits (statement generated before 7 Aug 2024) |
UOB EVOL Card enhanced benefits (statement generated on and after 7 Aug 2024) |
|
| Cashback programme | • 8% cashback on online spend • 8% cashback on mobile contactless spend • 0.3% cashback on other eligible spend |
• 10% cashback on online and mobile contactless spendENHANCED • 10% cashback on overseas in-store FX spendNEW • 0.3% cashback on other eligible spend |
| Total monthly cashback cap | S$60 (S$20 online, S$20 mobile, S$20 others) |
S$80 (S$30 online & mobile, S$20 overseas, S$30 others) |
| Min. spend | S$600 | S$800 |
Please click here for Frequently Asked Questions
Cashback illustration
See how easy it is to earn cashback on the things you love with a minimum spend of S$800.
- Spend Amount
- Cashback Earned
| Spend | Spend Amount | Cashback Earned |
| Spend | Spend a minimum of S$800 in a month | |
| 10% cashback on online & mobile contactless spend | ||
| Shopping haul from Taobao | S$100 | S$10.00 |
| Grab rides | S$40 | S$4.00 |
| Bus and train rides via SimplyGo with Mobile Pay | S$30 | S$3.00 |
| Dining and café spend via Mobile Pay | S$70 | S$7.00 |
| Purchase from Sephora via Mobile Pay | S$60 | S$6.00 |
| 10% cashback on overseas in-store FX (using your physical card) spendNEW! | ||
| Disneyland Admissions in Tokyo purchased over the counter in JPY | S$150 worth in SGD | S$15.00 |
| Dining and café spend in-store overseas in MYR | S$50 worth in SGD | S$5.00 |
| 0.3% cashback on all other spend | ||
| Recurring payment for phone bills | S$60 | S$0.18 |
| Gym membership | S$100 | S$0.30 |
| New headphone via Visa Paywave (using card) | S$140 | S$0.42 |
| Total | S$800 | S$50.90 |
Online refers to all spend made via the internet. Mobile contactless refers to in-store contactless spend made via Apple Pay, Samsung Pay, Google Pay and other mobile wallet services that accepts UOB EVOL Card. Overseas in-store FX spend refers to spend that is charged overseas in-store, using your physical card, and in foreign currencies. Cashback is capped at S$80 (S$30 on Online and Mobile Contactless spend, S$20 on overseas in-store FX spend, and S$30 on all other spend) for each statement month if you met min. S$800 monthly spend. Exclusions apply.
About UOB EVOL
Sustainability
Show your support and go green with Southeast Asia’s first bio-sourced card – the UOB EVOL Card. Enjoy a variety of sustainable deals, take your carbon footprint to zero with SP Group and more!
Rewards+
Access to Singapore’s personalised rewards programme on UOB TMRW app. Enjoy curated dining, shopping, travel deals and more, plus track and use your cashback and rewards points.
Digital Banking with UOB TMRW
Where’s your money really going? Take stock by using UOB TMRW to track your spending, score deals, invest and more. It’s the Spotify Unwrapped you needed, but for money.
Smart Money
Boost your savings with UOB One Account. What’s more, ease your cashflow when you buy now and pay later with UOB SmartPay.
Other benefits
South East Asia’s first quick-read card
The 16 digit card number vertically stacked in 4 rows, allowing you to read the card number easily.
SimplyGo
Travel effortlessly with SimplyGo and earn 10% cashback when you use your UOB EVOL Card for bus and train rides.
Auto-enrolment for eStatements
Enjoy peace of mind knowing that UOB archives your credit cards statements electronically for 5 years from the time of subscription.
UOB Payment Facility
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) to redeem amazing rewards!
- The UOB Payment Facility allows you to pay everyday expenses such as monthly bills, rent, taxes and even a one-off large purchase with your UOB Credit Card, with a low one-time administrative fee.
- Every dollar approved will earn you UNI$2.5 for every S$5 approved (equivalent to one air mile for every dollar).
Travel with peace of mind
Travel with peace of mind
Enjoy the following several benefits when you travel with your UOB EVOL Card
Shop online with peace of mind
Make your online purchases with UOB EVOL Card to enjoy coverage of up to US$200 per claim per annum
Other benefits
South East Asia’s first quick-read card
The 16 digit card number vertically stacked in 4 rows, allowing you to read the card number easily.
SimplyGo
Travel effortlessly with SimplyGo and earn 10% cashback when you use your UOB EVOL Card for bus and train rides.
Auto-enrolment for eStatements
Enjoy peace of mind knowing that UOB archives your credit cards statements electronically for 5 years from the time of subscription.
UOB Payment Facility
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) to redeem amazing rewards!
- The UOB Payment Facility allows you to pay everyday expenses such as monthly bills, rent, taxes and even a one-off large purchase with your UOB Credit Card, with a low one-time administrative fee.
- Every dollar approved will earn you UNI$2.5 for every S$5 approved (equivalent to one air mile for every dollar).
Travel with peace of mind
Travel with peace of mind
Enjoy the following several benefits when you travel with your UOB EVOL Card
Shop online with peace of mind
Make your online purchases with UOB EVOL Card to enjoy coverage of up to US$200 per claim per annum
Promotions
alba_step_up_app_–_turning_waste_into_treasure
Others
ALBA STEP UP app – Turning Waste into Treasure
bykurahome
Shop
BYKURAHOME
- 10% off with min. S$60 spend
Promo code: EVOL10
craftsforgreen
Others
Craftsforgreen
- 15% off regular-priced items
Promo code: EVOL15
minimakers
Others
Minimakers
- 10% off beeswax related products
Promo code: EVOL10
poasia
Shop
POASIA
- 15% off min. $45 spend
Promo code: UOBEVOL15
my_naked_bar
Others
My Naked Bar
- 10% off with min S$50 spend
Promo code: EVOL10 - 15% off Conscious Lather Kit
Promo code: EVOL15 - 10% off Private ‘Craft your own soap from scratch’ Workshop for 2/4/6 pax
Promo code: EVOLWORKSHOP
Compare accounts
Love mother earth?
Be an eco-friend with benefits
Paper statements
See ya never!
Annual fees?
You can officially waive that goodbye.
Things you should know
Eligibility and fees
Eligibility
Age: 21 years and aboveSingaporean/PR:
- Instant Card approval via Myinfo
- Minimum annual income of S$30,000 OR
- Fixed Deposit collateral of at least S$10,000^^
For Foreigners:
- Minimum annual income of S$40,000 OR
- Fixed Deposit collateral of at least S$10,000^^
^^Terms and conditions apply. Please visit UOB branches for more information on secured card applications.
Documents required: Click here.
Annual Fees:
- Enjoy no annual fee2 on your Principal Card when you make min. 3 transactions per month for 12 consecutive months prior to your card anniversary date
- Applicable for annual fee on your following card anniversary date from 1 Jan 2023 onwards
- With effect from 1 January 2024:
- Principal card: S$196.20
- 1st Supplementary Card: Free
- 2nd Supplementary Card onwards: S$98.10
Already an existing UOB Credit Cardholder?
Alternative, if you are already a Principal UOB Credit Card Holder, you can send an SMS application to 77672:
<YesEVOL>space<Last 4 digits of existing UOB Card>space<NRIC#>
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this card.
Apply & Pay within minutes
Applying for your credit card is now faster, simpler and more secure when you apply via UOB Personal Internet Banking or Singpass (MyInfo) - no more endless fields to fill in and documents to upload. Complete your application journey within minutes!
What’s more, you can digitize your card to enjoy convenience of mobile contactless payment when you receive your card!
Click here to find out more common FAQs about your credit card
Click here to find out more about digital banking solutions
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 77862:
‹YesEVOL›space‹Last 4 digits of existing UOB Card›space‹NRIC#›
SMS T&Cs apply.
Terms and Conditions
*The first 200 new-to-UOB credit card customers in May 2025 who successfully apply for an eligible UOB Credit Card between 1 May 2025 and 31 May 2025 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit.
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.
Please refer here for full FAQs for the UOB EVOL Card.
+Get Up to S$260 cash credit comprising:
1) Either S$100 or S$60 or S$30 cash credit
AND
2) up to S$160 cash credit
1) UOB Online Account Opening Weekly Promotion (1 April to 30 June 2025)
Valid from 1 April to 30 June 2025 (“Promotion Period”). Limited to the first 100 customers of each Promotion Week, namely the week between 1 and 6 April 2025 and every calendar week between 7 April 2025 and 30 June 2025, (i) who submit an online account opening application during a Promotion Week for a new Eligible UOB 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 Eligible UOB Account within the same calendar month as their new account opening calendar month, and (iv) maintain a balance of at least S$5,000 in their new Eligible UOB Account till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new Eligible 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 29 March 2025 and such increase must also be maintained till the end of the following calendar month. Eligible new-to-UOB customers will be eligible to receive S$100 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 Eligible UOB Account at any time during the Promotion Period. T&Cs apply. Click here for full terms and conditions.
Eligible UOB Account means: (i) for the period commencing from 1 April 2025 to 30 April 2025 (both dates inclusive), a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account or UOB One Account; and (ii) for the period commencing from 1 May 2025 to 30 June 2025 (both dates inclusive), a UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account.
And
2) Up to S$160 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 April 2025 to 30 June 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 April 2025 to 30 June 2025, both dates inclusive, to receive the following cash rewards:
*Participate in the UOB SalaryPlus Promotion (1 April 2025 to 30 June 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 April 2025 to 30 June 2025, both dates inclusive, to receive the following cash rewards:
(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 loana or UOB home loana 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$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 PayNowc within the next two calendar months from the date of submission of the online participation form; and
(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 Serviceb 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.
Customers must not have received any prior reward (whether in the form of cash credit or otherwise) in similar UOB promotions, or have the respective transaction history in any UOB current or savings account during the period between 1 October 2024 to 31 March 2025.
Full terms and conditions apply and can be accessed here.
aRepayment 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.
bCDP dividends must be credited from the Central Depository with the transaction description “CDP Dividend” to be eligible.
cSalary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.
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.
Please take note that overseas in-store FX spend would have to be made using your physical card.
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.
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.
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.
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 Organizations, Membership-Not Elsewhere Classified (Labor Union) and 8999 Professional Services (Not Elsewhere Classified) will be excluded from the awarding of cashback. Click here for the full terms and conditions.
^You will be given My Green CreditsTM valued at 1% of your SP Utilities bill amount. These My Green CreditsTM by SP Group are provided to you free of charge, and can offset up to 100% of your electricity carbon footprint. A minimum SP Utilities bill amount of S$100 is required for conversion to My Green CreditsTM. My Green CreditsTM prices are dependent on the REC selling prices offered by each developer to UOB. These prices may change from time to time, depending on market factors. As of 12 October 2023, My Green CreditsTM are purchased by UOB at S$0.12 per 25 kWh. Click here for FAQs.
Bundle up for even more benefits
Earn higher interest on your savings with One Account – up to 5.3% p.a. in just two steps
Skip to the good part with UOB One Account. Simply spend min. S$500 monthly on your UOB EVOL Card AND credit your salary, OR make 3 GIRO transactions monthly.
Enjoy more privileges when you pair the UOB One Account with UOB EVOL Card. Visit go.uob.com/online-exclusive for the latest sign-up offer!
Apply online and get up to S$260 cash credit+
Find out more.
Related products
Supplementary Card
Be rewarded when you gift a UOB Supplementary card to your loved ones. Simply login to your UOB Personal Internet Banking account to apply now.
UOB SMARTPAY
Buy now and pay later with UOB SmartPay. Split your bills into interest-free monthly installments. Now available on UOB TMRW.
UOB One Account
Two steps is all you need to earn higher interest. Enjoy up to 5.3% p.a. interest when you add the UOB One Account to your UOB EVOL Card!
Personal Loan
Extra help, extra fast approval! UOB Personal Loan gives you the financial boost you need with rates from 2.88% p.a. (EIR from 5.43% p.a.).
Balance Transfer
Stress less with UOB Balance Transfer! Enjoy 12 months of 0% interest at low one-time 4.28% processing fee on your approved loan amount! (EIR from 4.69% p.a.)
Related products
Supplementary Card
Be rewarded when you gift a UOB Supplementary card to your loved ones. Simply login to your UOB Personal Internet Banking account to apply now.
UOB SMARTPAY
Buy now and pay later with UOB SmartPay. Split your bills into interest-free monthly installments. Now available on UOB TMRW.
UOB One Account
Two steps is all you need to earn higher interest. Enjoy up to 5.3% p.a. interest when you add the UOB One Account to your UOB EVOL Card!
Personal Loan
Extra help, extra fast approval! UOB Personal Loan gives you the financial boost you need with rates from 2.88% p.a. (EIR from 5.43% p.a.).
Balance Transfer
Stress less with UOB Balance Transfer! Enjoy 12 months of 0% interest at low one-time 4.28% processing fee on your approved loan amount! (EIR from 4.69% p.a.)
Explore more with UOB card privileges
Save more with UOB$
Earn up to 10% UOB$ Cashback all year round at over 580 merchants island wide!
The Dining Advisor
Embark on a culinary adventure with our curated collection of reviews, deals and more. A guide designed for the epicurious.
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.
Rewards+ on UOB TMRW
Travel with Rewards+ on UOB TMRW for access to the hottest regional deals and coupons, curated just for you.
Explore more with UOB card privileges
Save more with UOB$
Earn up to 10% UOB$ Cashback all year round at over 580 merchants island wide!
The Dining Advisor
Embark on a culinary adventure with our curated collection of reviews, deals and more. A guide designed for the epicurious.
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.
Rewards+ on UOB TMRW
Travel with Rewards+ on UOB TMRW for access to the hottest regional deals and coupons, curated just for you.
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 0990 (local) or +65 6222 0990 (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 0990 (local) or +65 6222 0990 (from overseas)
More UOB card services
Learn more on how to better manage your and protect your transactions.
Other useful links
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. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts / products that are covered under the Scheme.
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