Get a gift worth up to S$490* when you sign up now!

Benefits

Rack up cashback all day

Rack up cashback all day

Up to 15% cashback on daily spend

Go futher on less

Go futher 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 SimplyGo, Dairy Farm International, Grab, Shopee Singapore 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 SimplyGo, Dairy Farm International, Grab, Shopee Singapore and UOB Travel spend)

+ S$2

(1% cashback on Singapore Power utilities bills)

= S$67

UOB One Account

Whether you’re just starting out or taking your career further, we want to make it easy for you to maximise your savings and help you achieve your financial goals. With the UOB One Account, you can now earn higher interest of up to 7.8% p.a. with just 2 simple steps!

UOB Cards & Paul Smith Promotion
Spend and Get

UOB Cards & Paul Smith Promotion

1,000 sets up for grabs – be the first 500 cardmembers to spend a minimum of S$6,800 on your UOB Cards within the qualifying promotion period below to receive a pair of Apple AirPods 3rd generation (MagSafe) with limited edition Paul Smith AirPods Case worth S$571*

 

Qualifying Promotion Periods:
(a) 18 May to 14 June 2023 or
(b) 15 June to 12 July 2023

 

To register, send a SMS in the following format to 77862 using your registered Singapore mobile number with UOB within each Qualifying Promotion Period: UOBPS‹space›last 4 characters of NRIC or Passport Number‹space›date of birth as DDMMYY (e.g. UOBPS 234A 010188)

 

*Terms and conditions apply.

Privileges

  • All
  • UOB TMRW
  • Fuel Savings
  • Travel Insurance
  • Mobile Pay
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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
    • Redeem for a 2.5kg pack of SōngHè rice with 6 stamps collected. Valid till 30 Jun 2023

      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.

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        Things you should know

        Eligibility and fees
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        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#>

        SMS terms and conditions apply.

        Apply & Pay

        For new-to-bank customers, the application process has been enhanced to be fast, simple, and secure with Myinfo. No more endless fields to fill in and documents to upload.

         

        For steps on how to digitize your card for mobile contactless payment, please click here.

         

        Important Note:

        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. For more details, visit here.

        W.e.f. 1 August 2022, payments to IPAYMY, RWS-LEVY, SMOOVE PAY, SINGPOST – SAM, Razer Pay and CardUp will be excluded from the awarding of cashback.

        W.e.f. 1 May 2022, get up to 10% cashback on your bus and train MRT rides with SimplyGo, Dairy Farm International, Grab, Shopee Singapore and SP transactions. Your UOB One Credit Card cashback for minimum S$2,000 spend will also be revised to up to 3.33% (S$200 quarterly cashback) with effect from the statement month of July 2022 (i.e. your spending in June). To find out more about your new benefits and changes, click here.

        With effect from 12 August 2020, UOB$ (previously known as SMART$) at DFSG will no longer be award on UOB One Credit Card.

        W.e.f. 16 Mar 2020, please be informed that selected transactions such as Grab mobile wallet top-ups, wire transfers, payments to Non-Financial Institutions (such as crypto-currencies etc), quasi-cash and more will be excluded from the awarding of cashback on the UOB One Card and bonus interest on the UOB One Account. For clarity, all other Grab transactions will continue to be eligible for the awarding of cashback on the UOB One Card. Insurance payments will be excluded from the awarding of cashback on the UOB One Card but continue to earn bonus interest on the UOB One Account. For details, visit uob.com.sg/onetncs for the UOB One Card T&Cs and uob.com.sg/oneaccount for the UOB One Account T&Cs. Insured up to S$75k by SDIC.

        “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 2022. 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 October 2022 to 30 June 2023 and qualify for the quarterly cashback will get an enhanced  partner cashback of up to 6.67% on the total Dairy Farm International 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 Dairy Farm International 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.

        *Up to S$490 gift consist of 1) And Either 2a) Or 2b) and 3)1) S$350 Grab Vouchers:
        For the first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1 June 2023 and 30 June 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 Grab vouchers worth S$350. Click here for full terms and conditions.

        And

        2a) S$60 cash credit is only for the first 200 New-to-UOB Deposit customers per calendar month who:

        • successfully open a UOB Uniplus Account, UOB Lady’s Savings Account, UOB Stash Account, KrisFlyer UOB Account or UOB One Account online from 1 May to 31 July 2023,
        • deposit at least S$5,000 of fresh funds into their new UOB account during the calendar month which their new account opening month falls within, and
        • hold the deposited fresh funds till the end of the following calendar month.

        OR

        S$30 cash credit will be awarded to the first 200 Existing-UOB-Deposit customers per calendar month who meet (i) to (iii) mentioned in (a) above.

        For existing UOB Deposits 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 other UOB current accounts and/or savings accounts of the customer as at 30 April 2023.


        Click here for full terms and conditions governing UOB Online Account Opening Promotion (1 May to 31 July 2023).

        AND

        3) S$80 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 April 2023 to 30 June 2023):

        • 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 within two calendar months from the date of submission of the online participation form; and/or
        • 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 within two calendar months from the date of submission of the online participation form.


        Click here for the Terms and Conditions governing UOB Salary Credit and GIRO Reward Campaign (1 April 2023 to 30 June 2023).

        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 a gift worth up to S$490* when you apply now!

        Get a gift worth up to S$490* when you apply now!

          Bundle up for even more benefits

          Save when you spend with the UOB One Account

          Enjoy interest rates of up to 7.8% p.a.

          Enjoy interest rates of up to 7.8% p.a.

          Get up to S$140 Cash Credit when you apply now.

          Get up to S$140 Cash Credit when you apply now.


          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 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 One Card!

          Explore more with UOB card privileges

          Explore more with UOB card privileges


          Card services


          Card services

          Other useful links

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

          Click here for general information on UOB Credit Cards.

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