Get S$350 Grab Vouchers* when you apply now!

Benefits

Rack up cashback all day

Rack up cashback all day

Up to 15% cashback on daily spend

Go further on less

Go further on less

Fuel savings of up to 22.66% at Shell and SPC

Save and spend smart

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 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 - 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 3.33% cashback2 on all retail spend

Spend the following

Spend the following:

S$500, S$1,000 or S$2,000 per month (min. 5 purchases)

Over 3 Months

Over 3 Months:

consecutively (based on qualifying quarters)

Get Cashback

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$20

(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)

= S$72

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!

Privileges

  • All
  • UOB TMRW
  • Fuel Savings
  • UOB Payment Facility
  • Travel Insurance
  • Mobile Pay
make_tmrw_yours
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+
get_even_higher_savings_with_every_pump_at_shell
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.

    pump_at_spc_and_save_with_uob_one_card
    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

      _
      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).

        travel_with_peace_of_mind
        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).
        pay_with_your_mobile_phone
        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
          chevron
          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 2024:
          • Principal card: S$196.20 (first year fee wavier)
          • 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:

          <Yesone>space<Last 4 digits of existing UOB Card>space<NRIC#>

          SMS terms and conditions apply.

          Apply & Pay

          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

          “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 January 2024 to 31 March 2024 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.

          *Get S$350 Grab Vouchers:
          The first 200 new-to-UOB credit card customers in each month of January 2024 and February 2024 who successfully apply for an eligible UOB Credit Card between 1 January 2024 and 29 February 2024 (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 Grab Vouchers. Click here for full terms and conditions.

          Insured up to S$75k by SDIC.

           

          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.

          Get S$350 Grab Vouchers* when you apply now!

          Get S$350 Grab Vouchers* when you apply now!

            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 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.

            Get up S$160 Cash Credit when you apply now.

            Visit go.uob.com/online-exclusive 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 for new applicants.

            Explore more with UOB card privileges

            Explore more with UOB card privileges


            Card services


            Card services

            Other useful links

            UOB Cardmembers’ Agreement
            chevron

            Click here for a copy of the UOB Cardmembers’ Agreement.

            Click here for general information on UOB Credit Cards.

            Make TMRW yours, download now!