See how it all adds up
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Account Balance in your UOB One Account
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Spend S$500 on your UOB EVOL Card
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Spend S$500 on your UOB EVOL Card
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Perform 3 GIRO transactions -
Spend S$500 on your UOB EVOL Card
+
Credit your salary via GIRO
Account Balance in your UOB One Account | Spend S$500 on your UOB EVOL Card | Spend S$500 on your UOB EVOL Card + Perform 3 GIRO transactions |
Spend S$500 on your UOB EVOL Card + Credit your salary via GIRO |
First S$75,000 | 0.65% | 1.50% | 2.30% |
Next S$50,000 | 0.05% | 2.50% | 3.80% |
Next S$25,000 | 0.05% | 0.05% | 5.30% |
Above S$150,000 | 0.05% | 0.05% | 0.05% |
Account Balance in your UOB One Account |
First S$75,000 |
Next S$50,000 |
Next S$25,000 |
Above S$150,000 |
Revised total interest is equivalent to Base Interest plus revised Bonus Interest; where current Base Interest is 0.05% p.a., revised Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and revised Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.
UOB SmartPay
Whether you choose to #TreatYourself with gym package or pay for insurance bills, we got your back.
Example
- Tenure
- 3 months
- 6 months
- 12 monnths
Tenure | 3 months | 6 months | 12 months |
1-time processing fee | 3% | 3% | 5% |
Effective Interest Rate | 18.18% p.a. | 10.43% p.a. | 9.5% p.a. |
For example, based on a retail purchase of S$3,600: | |||
Monthly instalment | S$1,200 | S$600 | S$300 |
1-time processing fee | S$108 | S$108 | S$180 |
Things you should know
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this card.
Terms and Conditions
*The first 60 new-to-UOB credit card customers 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.
+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 July to 30 September 2025)
Valid from 1 July to 30 September 2025 (“Promotion Period”). Limited to the first 80 customers of each Promotion Week, namely the week between 1 and 6 July 2025 and every calendar week between 7 July 2025 and 30 September 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 30 June 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 July 2025 to 30 September 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 July 2025 to 30 September 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 July 2025 to 30 September 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 loan^ or UOB home loan^ 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 PayNow# 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 Service~ 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 January 2025 to 30 June 2025.
Full terms and conditions apply and can be accessed here.
^Repayment 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.
#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.
~CDP dividends must be credited from the Central Depository with the transaction description “CDP Dividend” to be eligible.
Insured up to S$100k by SDIC.
1EVOL 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.
2EVOL 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.
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.
3The maximum annual interest for deposits of S$150,000 in the One Account is S$6,000 and is calculated based on the maximum effective interest rate (EIR) of 4.00% 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 2.40% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month.
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.
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.