Get a gift worth up to S$510* when you sign up now!
Benefits
Save and spend smart
Earn up to 7.8% p.a interest on savings with UOB One Account+ when you spend on UOB One Card.
Up to 15% cashback - Valid for new-to-UOB Credit Card customers only
Get enhanced cashback of up to 15% cashback on McDonald’sNEW, DFI Retail Group, Grab, Shopee, SimplyGo (bus and train rides) and UOB Travel transactions when you apply for a UOB One Credit card till 31 Dec 2023
- Selected Partners
(Grab, Shopee, SimplyGo, Giant, Cold Storage, CS Fresh, Guardian, 7-Eleven, Jasons, Jasons Deli, UOB Travel) - Minimum spend of S$500/ $1,000 per month
- Minimum spend of S$2,000 per month
| Minimum spend of S$500/ $1,000 per month | Minimum spend of S$2,000 per month | |
| Quarterly Cashback Minimum spend of $500/$1,000/$2,000 per month (min. 5 transactions per month for qualifying quarter) + |
3.33% | 3.33% |
| Additional cashback (Selected Partners: McDonald’sNEW, Grab, Shopee, SimplyGo, Giant, Cold Storage, CS Fresh, Guardian, 7-Eleven, Jasons, Jasons Deli, UOB Travel) + |
5% | 6.67% |
| Enhanced Cashback (For New-to-UOB Credit cardmembers who applied from now till 31 Dec 2023) |
6.67% | 5% |
| TOTAL CASHBACK | 15% | 15% |
Up to 10% cashback - Valid for existing UOB Credit Cardmembers
Get the most generous savings of up to 10% cashback on your daily essentials, food deliveries, online shopping and more
Up to 10% cashback
Receive an additional S$6 off GrabFood and S$5 off at selected merchants with min. S$25 spend on Fridays
Up to 10% cashback
Plus, S$3 return voucher with min. S$45 spend at Giant, S$1.20 off min. S$12 spend every Friday at 7- Eleven
Up to 10% cashback
What’s more, get S$5 off your Grab rides
Up to 10% cashback
Plus, get up to S$12 off at Shopee
Up to 4.33% cashback
Up to 22.66% fuel savings
Up to 10% cashback - Valid for existing UOB Credit Cardmembers
Get the most generous savings of up to 10% cashback on your daily essentials, food deliveries, online shopping and more
Up to 10% cashback
Receive an additional S$6 off GrabFood and S$5 off at selected merchants with min. S$25 spend on Fridays
Up to 10% cashback
Plus, S$3 return voucher with min. S$45 spend at Giant, S$1.20 off min. S$12 spend every Friday at 7- Eleven
Up to 10% cashback
What’s more, get S$5 off your Grab rides
Up to 10% cashback
Plus, get up to S$12 off at Shopee
Up to 4.33% cashback
Up to 22.66% fuel savings
Up to 3.33% cashback2 on all retail spend
Spend the following:
S$500, S$1,000 or S$2,000 per month (min. 5 purchases)
Over 3 Months:
consecutively (based on qualifying quarters)
Get Cashback:
S$50, S$100 or S$200 respectively per quarter
How it works
If your UOB One Credit Card statement is on the 15th of every month, a minimum of 5 purchases with a combined minimum spend must be posted before the statement date for you to earn the quarterly cashback.
|
Statement date and minimum monthly spend |
Total McDonald’sNEW, DFI Retail Group, Grab, Shopee Singapore, SimplyGo and UOB Travel |
Total Singapore Power Transactions |
|---|---|---|
| 15 AUG (S$500) | S$100 | S$100 |
| 15 SEP (S$500) | S$200 | NIL |
| 15 OCT (S$500) | S$100 | S$100 |
Minimum number of purchases per statement period: 5
Cashback earned
15 Nov
S$50
(3.33% cashback on all spend)
+ S$15
(5% cashback on McDonald’sNEW, DFI Retail Group, Grab, Shopee Singapore, SimplyGo and UOB Travel spend)
+ S$2
(1% cashback on Singapore Power utilities bills)
Earn the highest interest rate ever with One Account – up to 7.8% p.a. in just two steps
No matter who you are or what you do, we want to make it easy for you to maximise your money and reach your goals. With the UOB One Account, you can earn up to 7.8% p.a. interest in just two steps. That’s how simple it is!
See how it all adds up
-
Account Balance in your UOB One Account
-
Spend S$500 on your UOB One Card
Total interest for A^ -
Spend S$500 on your UOB One Card
+
Perform 3 GIRO transactions
Total interest for B^ -
Spend S$500 on your UOB One Card
+
Credit your salary via GIRO
Total interest for C^
| Account Balance in your UOB One Account | Spend S$500 on your UOB One Card Total interest for A^ |
Spend S$500 on your UOB One Card + Perform 3 GIRO transactions Total interest for B^ |
Spend S$500 on your UOB One Card + Credit your salary via GIRO Total interest for C^ |
| First S$30,000 | 0.65% p.a. | 2.50% p.a. | 3.85% p.a. |
| Next S$30,000 | 0.65% p.a. | 3.00% p.a. | 3.90% p.a. |
| Next S$15,000 | 0.65% p.a. | 4.00% p.a. | 4.85% p.a. |
| Next S$25,000 | 0.05% p.a. | 0.05% p.a. | 7.80% p.a. |
| Above S$100,000 | 0.05% p.a. | 0.05% p.a. | 0.05% p.a. |
| Account Balance in your UOB One Account |
| First S$30,000 |
| Next S$30,000 |
| Next S$15,000 |
| Next S$25,000 |
| Above S$100,000 |
^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$100,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.
Privileges
UOB TMRW
Make TMRW yours
Start banking your way with an app built around your personal habits, needs, and goals
- Check your account balance anytime instead of waiting for your monthly statement
- Manage your money easily with UOB Insights, where you can track spend by categories and get informed when your UOB One Card cashback are credited
- Pay your bills conveniently in the comfort of your home
- Over 13,000 deals, weekly UOB Coupons up for grabs and dining inspirations within Rewards+
Fuel Savings
Get even higher savings with every pump at Shell
Enjoy year-long savings of up to 21.15% on your fuel purchases with the UOB One Card.
UOB Payment Facility
UOB Payment Facility NEW
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) 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).
Fuel Savings
Pump at SPC and save with UOB One Card
Enjoy up to 22.66% off your petrol purchases at SPC with your UOB One Card and SPC&U Card!
- Enjoy an incredible 15% off petrol purchases with your UOB One Card and SPC&U Card
- Save up to 5% discount in a single transaction for every S$51 charged to your UOB One Card
Travel Insurance
Travel with peace of mind
Enjoy the following benefits when you travel with your UOB One Credit Card:
- Public Conveyance Personal Accident coverage of S$500,000
- Emergency Medical Assistance, Evacuation & Repatriation coverage of up to S$50,000 due to an accident or illness. (including due to COVID-19).
Mobile Pay
Pay with your mobile phone
Add your UOB One Card on the above mobile payment applications to tap and pay securely with your mobile phone at more than 10,000 retail outlets in Singapore. What’s more, you can earn the same cashback on mobile payment as you do with your physical UOB One Card.
Compare accounts
Things you should know
Eligibility and fees
Eligibility
- Age: 21 years and above
Singaporean/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.
Fees
With effect from 1 January 2023:- Principal card: S$194.40 (first year fee wavier)
- 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:
<Yesone>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
Terms and conditions
“Highest Cashback Card” refers to the highest cashback of up to 15% cashback based on a retail spend amount of S$2,000 per month for 3 consecutive months, in comparison to other banks’ cashback cards across Singapore as of 1 October 2023. Please note that exclusions apply.
1Up to 15% cashback - Valid for new-to-UOB Credit Card customers only For New-to-UOB Credit Card customers who successfully apply between 1 July 2023 to 31 December 2023 and qualify for the quarterly cashback will get an enhanced partner cashback of up to 6.67% on the total McDonald’s, DFI Retail Group merchants such as Cold Storage, CS Fresh Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab, Shopee Singapore transactions, SimplyGo (bus and train rides) and UOB Travel transactions successfully posted to the Card Account in each statement month. Enhanced cashback will be capped at S$100 per month for first 2 quarters. Click here for full terms and conditions
Up to 10% cashback - Valid for existing UOB Credit Cardmembers Cardmembers who have been awarded the S$100 or S$50 quarterly cashback will get an additional 5% cashback and cardmembers who have been awarded $200 quarterly cashback will get an additional 6.67% cashback on the total McDonald’s, DFI Retail Group such as Cold Storage, CS Fresh Giant, Guardian, 7-Eleven, Marketplace, Jasons, Jasons Deli, Grab (excludes mobile wallet top-ups), Shopee Singapore transactions (excludes ShopeePay), SimplyGo (bus and train rides) and UOB Travel (excludes online and flight only bookings) and additional 1.67% cashback on Shell transactions successfully charged and posted to the Card Account in each statement month. All Cardmembers who have been awarded the quarterly cashback will get an additional 1% cashback on Singapore Power utilities bill (excluding payments via AXS) successfully charged and posted to the Card Account in each statement month. Additional cashback will be capped at S$100 per month.
2Enjoy up to 3.33% cashback based on a retail spend of S$2,000, S$1,000 or $$500 and min. 5 transactions per statement month for each qualifying quarter to earn the quarterly cashback of S$200, S$100 or S$50 respectively. Please note that exclusions apply. Please refer to the full set of Terms and Conditions.
3Total 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$100,000 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.
The 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. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
*Gift worth up to S$510 consist of 1) And Either 2) and 3)
1) S$350 worth of Grab Vouchers:
The first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1 October 2023 to 31 October 2023 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, they will receive S$350 Grab Vouchers. Click here for full terms and conditions.
And
2) S$30 cash credit is only for the first 200 customers per calendar month
- 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,
- whose application is successfully approved by 30 December 2023, and
- 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 cheqyes 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 SalaryPlus Promotion (1 October 2023 to 30 December 2023):
- S$30 GIRO Payment Cash Reward for customers who successfully perform a bill payment of min. S$30 per transaction from an eligible UOB Account via GIRO within the next two calendar months from the date of submission of the online participation form.
- S$50 Salary Cash Reward for customers who successfully credit monthly salary of min. S$1,600 into an eligible UOB Account via GIRO or PayNow 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 min. S$500.
- S$50 CDP Credit Cash Reward for customers who successfully credit CDP dividends (min. 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.
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
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. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Bundle up for even more benefits
Earn the highest interest rate ever on your savings with One Account – now up to 7.8% p.a. in just two steps
Skip to the good part with UOB One Account. Get up to 7.8% p.a. interest when you spend min. S$500 monthly on an eligible UOB Card AND credit your salary OR make 3 GIRO transactions monthly.
Visit uob.com.sg/uobsavers for the latest sign-up offer!
Related products and services
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 Debit Card
Highest cashback card for your daily favourites, with up to 10% cashback on diningEnhanced, online shopping, groceries, transport and for new applicants.
Explore more with UOB card privileges
The Dining Advisor
Short-circuit your search for good food with a comprehensive new food guide designed to feed your food obsessions.
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.
UOB Rewards+
Enjoy curated UOB Card deals, cashback and rewards with UOB Rewards+. View, track and redeem more of what you love, all on UOB TMRW
Explore more with UOB card privileges
The Dining Advisor
Short-circuit your search for good food with a comprehensive new food guide designed to feed your food obsessions.
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.
UOB Rewards+
Enjoy curated UOB Card deals, cashback and rewards with UOB Rewards+. View, track and redeem more of what you love, all on UOB TMRW
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 1800-222-2121 (local) or +65 6222 2121 (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 1800-222-2121 (local) or +65 6222 2121 (from overseas)
More UOB card services
Learn more on how to better manage your and protect your transactions.
Make TMRW yours, download now!
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