Earn points by recycling with us and redeem them with sustainable partners across Singapore
Get Apple Watch SE 2nd Gen* when you apply now!
Benefits
Curate the life you want with the newly enhanced benefits! Enjoy up to 10% cashback and 0% FX fees on local and overseas spend with UOB EVOL Card
10% cashback1 on local spend
on local online, mobile contactless, selected gym, telco and streaming spendNEW
0% FX Fees2 on Overseas Foreign Currency Spend
Enjoy 0% FX FeesNEW on all your Overseas Foreign Currency Spend, with no minimum spend required!
Plus, get 1% cashback3 on overseas foreign currency spend (till 31 Dec 2025)!
No annual fee4
When you make 3 transactions monthly
Existing UOB EVOL Cardmembers
To minimise disruptions for existing cardmembers, cardmembers with UOB EVOL Cards issued before 19 June 2025 will enjoy the enhanced cashback benefits from their next statement generated on or after 19 August 2025
| UOB EVOL Card existing benefits (statement generated before 19 August 2025) |
UOB EVOL Card enhanced benefits (statement generated on or after 19 August 2025) |
|
| Cashback programme |
|
|
| Total monthly cashback cap | S$80 |
Till 31 Dec 2025: S$100 From 1 Jan 2026: S$80 |
| Min. spend | S$800 | S$800 |
Please click here for Frequently Asked Questions
FX Fees are administrative fees applied on transactions in foreign currencies.
Cashback illustration
See how easy it is to earn cashback on the things you love.
- Spend Amount
- Cashback Earned
| Spend | Spend Amount | Cashback Earned |
| Spend | Spend a minimum of S$800 in a statement month | |
| 1% cashback on all Overseas Foreign Currency SpendNEW (till 31 Dec 2025) + enjoy 0% FX FeesNEW! | ||
| Disneyland Admission in Tokyo charged in JPY | S$200 worth in SGD | S$2.00 (plus, no FX fees!) |
| 10% cashback on Selected Gym, Telco and Streaming SpendNEW | ||
| Classpass membership | S$99 | S$9.90 |
| Netflix subscription | S$23 | S$2.30 |
| Spotify subscription | S$18 | S$1.80 |
| Starhub bills | S$60 | S$6.00 |
| 10% cashback on Local Online and Mobile Contactless Spend | ||
| Shopping from Taobao | S$150 | S$15.00 |
| Grab rides | S$50 | S$5.00 |
| Dining spend via Mobile Contactless | S$60 | S$6.00 |
| Purchase from Sephora via Mobile Contactless | S$40 | S$4.00 |
| 0.3% cashback on all Other Spend | ||
| New headphones via Visa Paywave (paid using the physical card) | S$100 | S$0.30 |
| Total | S$800 | S$52.30 |
Overseas Foreign Currency Spend refers to spend that is processed outside of Singapore and successfully charged in a foreign currency. Selected Gym, Telco and Streaming Spend refers to all spend made at selected merchants only, please click here for terms and conditions. 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. Cashback is capped at S$100 (S$20 for all Overseas Foreign Currency Spend, S$20 cap for Selected Gym, Telco and Streaming Spend; S$30 cap for Local Online and Mobile Contactless; and S$30 on all Other Spend) for each statement month if you met min. S$800 spend per statement month. FX Fees are administrative fees applied on transactions in foreign currencies. T&Cs and exclusions apply.
About UOB EVOL
Sustainability
Show your support and go green with Southeast Asia’s first bio-sourced card – the UOB EVOL Card. Enjoy a variety of sustainable deals, take your carbon footprint to zero with SP Group and more!
Rewards+
Access to Singapore’s personalised rewards programme on UOB TMRW app. Enjoy curated dining, shopping, travel deals and more, plus track and use your cashback and rewards points.
Digital Banking with UOB TMRW
Where’s your money really going? Take stock by using UOB TMRW to track your spending, score deals, invest and more. It’s the Spotify Unwrapped you needed, but for money.
Smart Money
Boost your savings with UOB One Account. What’s more, ease your cashflow when you buy now and pay later with UOB SmartPay.
Other benefits
Take your carbon footprint to zero
Now you can offset up to 100% of your electricity carbon footprint with UOB EVOL Card’s first eco-conscious initiative with SP Group.
Set your UOB EVOL Card as the default mode of payment for your one-time or recurring SP Utilities bills on the SP app to convert 1%^ of your SP Utilities bill amount into complimentary My Green CreditsTM and offset up to 100% of your electricity carbon footprint.
South East Asia’s first quick-read card
The 16 digit card number vertically stacked in 4 rows, allowing you to read the card number easily.
SimplyGo
Travel effortlessly with SimplyGo and earn 10% cashback when you use your UOB EVOL Card for bus and train rides.
Auto-enrolment for eStatements
Enjoy peace of mind knowing that UOB archives your credit cards statements electronically for 5 years from the time of subscription.
UOB Payment Facility
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) 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$200 per claim per annum
Other benefits
Take your carbon footprint to zero
Now you can offset up to 100% of your electricity carbon footprint with UOB EVOL Card’s first eco-conscious initiative with SP Group.
Set your UOB EVOL Card as the default mode of payment for your one-time or recurring SP Utilities bills on the SP app to convert 1%^ of your SP Utilities bill amount into complimentary My Green CreditsTM and offset up to 100% of your electricity carbon footprint.
South East Asia’s first quick-read card
The 16 digit card number vertically stacked in 4 rows, allowing you to read the card number easily.
SimplyGo
Travel effortlessly with SimplyGo and earn 10% cashback when you use your UOB EVOL Card for bus and train rides.
Auto-enrolment for eStatements
Enjoy peace of mind knowing that UOB archives your credit cards statements electronically for 5 years from the time of subscription.
UOB Payment Facility
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) 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
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 60 new-to-UOB Credit Cardmembers who successfully apply and obtain approval for a new UOB EVOL Card and register via SMS for the Promotion from 19 June 2025 to 31 July 2025 (both dates inclusive) and took the least total number of days to spend a min. of S$800 per month for the first 2 consecutive months from their card approval date, will be eligible to receive an Apple Watch SE 2nd Gen.
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.
1EVOL Card benefits will be enhanced from 19 Jun 2025: To enjoy 10% cashback on Selected Gym, Telco, and Streaming Spend, Local Online Spend and Mobile Contactless 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 Selected Gym, Telco, and Streaming Spend, Local Online Spend and Mobile Contactless Spend will be awarded. Cashback is capped at S$80 per statement month (S$20 cap for Selected Gym, Telco and Streaming Spend; S$30 cap for Local Online and Mobile Contactless Spend; and S$30 on all Other Spend). Exclusions and other terms and conditions apply.
2EVOL Card benefits will be enhanced from 19 June 2025: You do not need to meet the min. spend of S$800 per statement month to enjoy 0% FX Fees on all your Overseas Foreign Currency Spend. FX Fees are administrative fees applied on transactions in foreign currencies. Exclusions and other terms and conditions apply.
3Enjoy 1% cashback on all your Overseas Foreign Currency Spend till 31 December 2025 (S$20 cap), with a min. spend of S$800 per statement month. Exclusions and other terms & conditions apply.
4Enjoy 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.
To minimise disruptions for existing cardmembers, cardmembers with UOB EVOL Cards issued before 19 June 2025 the cashback benefits will be updated from their next statement cycle on or after 19 August 2025, please click here for Frequently Asked Questions.
^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$260 cash credit+
Find out more.
Related products
Supplementary Card
Be rewarded when you gift a UOB Supplementary card to your loved ones. Simply login to your UOB Personal Internet Banking account to apply now.
UOB SMARTPAY
Buy now and pay later with UOB SmartPay. Split your bills into interest-free monthly installments. Now available on UOB TMRW.
UOB One Account
Two steps is all you need to earn higher interest. Enjoy up to 5.3% p.a. interest when you add the UOB One Account to your UOB EVOL Card!
Personal Loan
Extra help, extra fast approval! UOB Personal Loan gives you the financial boost you need with rates from 1.85% p.a. (EIR from 3.40% p.a.).
Balance Transfer
Stress less with UOB Balance Transfer! Enjoy 12 months of 0% interest at low one-time 4.28% processing fee on your approved loan amount! (EIR from 4.69% p.a.)
Related products
Supplementary Card
Be rewarded when you gift a UOB Supplementary card to your loved ones. Simply login to your UOB Personal Internet Banking account to apply now.
UOB SMARTPAY
Buy now and pay later with UOB SmartPay. Split your bills into interest-free monthly installments. Now available on UOB TMRW.
UOB One Account
Two steps is all you need to earn higher interest. Enjoy up to 5.3% p.a. interest when you add the UOB One Account to your UOB EVOL Card!
Personal Loan
Extra help, extra fast approval! UOB Personal Loan gives you the financial boost you need with rates from 1.85% p.a. (EIR from 3.40% p.a.).
Balance Transfer
Stress less with UOB Balance Transfer! Enjoy 12 months of 0% interest at low one-time 4.28% processing fee on your approved loan amount! (EIR from 4.69% p.a.)
Explore more with UOB card privileges
Save more with UOB$
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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