See how it all adds up
-
Account Balance in your UOB One Account
-
Spend S$500 on your UOB EVOL Card
Total interest for A^ -
Spend S$500 on your UOB EVOL Card
+
Perform 3 GIRO transactions
Total interest for B^ -
Spend S$500 on your UOB EVOL Card
+
Credit your salary via GIRO
Total interest for C^
Account Balance in your UOB One Account | Spend S$500 on your UOB EVOL Card Total interest for A^ |
Spend S$500 on your UOB EVOL Card + Perform 3 GIRO transactions Total interest for B^ |
Spend S$500 on your UOB EVOL Card + Credit your salary via GIRO Total interest for C^ |
First S$75,000 | 0.65% | 2.00% | 3.00% |
Next S$50,000 | 0.05% | 3.00% | 4.50% |
Next S$25,000 | 0.05% | 0.05% | 6.00% |
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 |
^Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., 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 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
Terms and Conditions
*Get GoPro HERO13 worth S$590
The first 100 new-to-UOB Credit Cardmembers to successfully apply for a UOB EVOL Card in each calendar month from 1 September 2024 to 30 November 2024 and spend a min. of S$800 per month for the 3 first consecutive months from their card approval date, will receive a GoPro HERO13 worth S$590. 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.
+Up to S$240 cash credit compromising of 1) and 2):
1) Either S$80 or S$60 or S$30 cash credit
AND
2) up to S$160 cash credit
1) UOB Online Account Opening Weekly Promotion (1 September to 31 October 2024)
Valid from 1 September 2024 to 31 October 2024 (“Promotion Period”). Limited to the first 150 customers of each Tactical Promotion Week, namely from 1 to 8 September and every calendar week from 9 September to 31 October 2024, (i) who submit an online account opening application during a Tactical Promotion Week for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Savings Account or UOB One Account, and (ii) whose application is successfully approved during the Promotion Period, and (iii) deposit min. S$5,000 of Fresh Funds into the new UOB account within the same calendar month of the new UOB account’s opening calendar month, and (iv) hold the deposited Fresh Funds till the end of the following calendar month. For existing UOB deposit customers, the Fresh Funds deposited into their new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total month-end balance of all other UOB current accounts and/or savings accounts as at 31 August 2024. Eligible new-to-UOB customers will be eligible to receive S$80 cash credit, eligible new-to-UOB deposit customers will be eligible to receive S$60 cash credit, and 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 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 during the Promotion Period. T&Cs apply. Click here for full terms and conditions.
AND
2) *Up to S$160 cash credit for customers who participate in the UOB SalaryPlus Promotion (1 October 2024 to 31 December 2024) by successfully submitting an online participation form between 1 October 2024 to 31 December 2024, both dates inclusive. (available at the official UOB website) 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 with the transaction description “GIRO-Inward Debit”, 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
(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.
Full terms and conditions apply and can be accessed here.
^Repayment of your UOB car or 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 Singapore Central Depository with the transaction description “CDP Dividend” to be eligible.
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.
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.
Please refer here for full FAQs for the UOB EVOL Card.
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$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.
Maximum effective interest rate (EIR) on the One Account is 4.00% p.a. for deposits of S$150,000, 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.
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.