Earn points by recycling with us and redeem them with sustainable partners across Singapore
Benefits
Own every evolution with the UOB EVOL Card, and get 8% cashback on online and mobile purchases!
Cashback illustration
See how easy it is to earn cashback on the things you love with a minimum spend of S$600.
- Spend
- Spend amount
- Cashback Earned
Spend | Spend amount | Cashback Earned |
8% Cashback on Online | ||
Shopping haul from Taobao | S$120 | S$9.60 |
Grab rides | S$100 | S$8.00 |
Game purchases via Apple store | S$30 | S$2.40 |
8% Cashback on Mobile Contactless | ||
Bus and train rides via SimplyGo | S$70 | S$5.60 |
Dining and café spend via Mobile pay | S$100 | S$8.00 |
Purchase from Sephora via Mobile pay | S$80 | S$6.40 |
0.3% Cashback on all other spend | ||
Phone bill | S$40 | S$0.12 |
Gym membership | S$60 | S$0.18 |
Total | S$600 | S$40.30 |
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, Fitbit Pay and other mobile wallet services that accepts UOB EVOL Card. Cashback is capped at S$20 on Online spend, S$20 on Mobile Contactless spend and S$20 on all other spend for each statement month. 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.
Promotions

Others
ALBA STEP UP app – Turning Waste into Treasure
For more great ideas to own it,
follow us on Instagram at @OwnMyEVOL

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 2023:
- Principal card: S$194.40
- 1st Supplementary Card: Free
- 2nd Supplementary Card onwards: S$97.20
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#>
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
W.e.f. 1 August 2022, payments to IPAYMY, RWS-LEVY, SMOOVE PAY, SINGPOST – SAM and Razer Pay and payments for utilities will be excluded from the awarding of cashback.
W.e.f. 1 March 2022, please be informed that transactions with transaction description "AMAZE* TRANSIT*" will be excluded from the awarding of cashback.
*Up to S$510 cash credit consist of 1) And Either 2) And 3):
1) S$350 Cash Credit:
The first 200 new-to-UOB credit card customers in each month of Nov 2023 and Dec 2023 who successfully apply for an eligible UOB Credit Card between 1 November 2023 and 31 December 2023 (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.
And
2) S$30 cash credit is only for the first 200 customers per calendar month:
i. who submit an online account opening application between 1 October 2023 to 30 December 2023 for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Saving Account or UOB One Account,
ii. whose application is successfully approved by 30 December 2023, and (iii) deposit min. S$5,000 of Fresh Funds into their new UOB account during the calendar month which their new account opening month falls within, and
iii. hold the deposited Fresh Funds in their new UOB account till the end of the following calendar month. For existing UOB Deposit customers, the Fresh Funds deposited into the new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all their other UOB current accounts and/or savings accounts month-end balance before their new UOB account opening month."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 current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account at any time between 1 October 2023 to 30 December 2023 (both dates inclusive). Click here for full terms and Conditions.
And
3) S$130 cash credit is for customers who have successfully submitted an online participation form available at UOB Singapore website to participate in the UOB Salary Credit and GIRO Payment Reward Campaign (1 Oct 2023 to 31 Dec 2023):
i. S$30 GIRO Payment Cash Reward for customers who successfully perform a bill payment of at least S$30 per transaction from an eligible UOB Account via GIRO (with the transaction description “GIRO-Inward Debit”) within the next two calendar months from the date of submission of the online participation form.
ii. S$50 Salary Cash Reward for customers who successfully credit monthly salary of at least S$1,600 into an eligible UOB Account via GIRO or PayNow (with the transaction description “GIRO-SALA” or “PAYNOW SALA” respectively) within the next two calendar months from the date of submission of the online participation form. Full-time National Serviceman (NSF) customers must successfully credit a monthly salary or allowance of at least S$500.
iii. S$50 CDP Credit Cash Reward for customers who successfully credit CDP dividends (at least S$50) into an eligible UOB Account via Direct Credit Service within the next six calendar months from the date of submission of the online participation form (with the transaction description “CDP Dividend”).
Click here for full terms and conditions governing the UOB SalaryPlus Promotion (1 October 2023 to 30 December 2023).
Insured up to S$75k by SDIC
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.
1To enjoy 8% cashback on Online and Mobile Contactless Spend, a min. spend of S$600 per statement month on your card is required. If the min. spend is not met, only the base 0.3% cashback on your Online and Mobile Contactless Spend will be awarded. Cashback is capped at S$20 per statement month for each of Online, Mobile Contactless and all Other Spend. Exclusions and other terms and conditions apply.
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.
3The maximum annual interest for deposits of S$100,000 in the One Account is S$5,000 and is calculated based on the maximum effective interest rate (EIR) of 5.00% 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 3.00% 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 5.00% p.a. for deposits of S$100,000, 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.
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$75,000 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$75,000 for each depositor per Scheme member.
^UOB EVOL card will convert 2% on the SP Utilities bill amount to purchase SP My Green CreditsTM at $0.12 for 25 kwh. An estimated S$90 SP Utilities bill will give us enough My Green CreditsTM to offset 375 kwh of electricity (Singapore's national average electricity consumption of a 4-room flat - source: ema.gov.sg as at Jun 2021). My Green CreditTM prices are dependent on the REC selling prices offered by each developer to UOB EVOL Card. These prices may change from time to time depending on market factors. Prices are accurate as of 1 July 2022. A minimum SP Utilities bill amount of S$50 is required for conversion to My Green CreditsTM. If you had added your UOB EVOL Card before 10 Nov 2022 in the SP app, kindly re-add your card under Profile > Payment Methods to be eligible for complimentary My Green CreditsTM awarded for your SP utilities bill payments made with UOB EVOL Card.
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.

Bundle up for even more benefits
Earn the highest interest rate ever on your savings with One Account – up to 7.8% 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!
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 7.8% p.a. interest (approx. S$5,000 a year) when you add the UOB One Account to your UOB EVOL Card!