- Enjoy a wide variety of offers and deals, including travel, food and wine, dining, shopping, sports, entertainment and more.
Benefits

Cashback Everywhere with Mobile PaymentNEW
Enjoy 1% cashback4 at more places now with mobile payments added (Apple Pay, Google Pay and Samsung Pay)

A world of rewards just for you
Enjoy over 1,000 deals, cashback, weekly coupons and exciting rewards all year round with Rewards+ on UOB TMRW.
Enjoy higher cashback with the upgraded UOB One Debit Card
Getting cashback just got even easier! With our new spend tiers, you can now start earning rewards without spending big.
For bigger spends, enjoy higher cashback when you spend more!
Monthly Cashback Rate | Tier 1: Min. S$300 spend | Tier 2: Min. S$600 spend | For New-to-UOB Debit Card Customers who applied for a UOB One Debit Mastercard online from 1 July to 30 September 2025. Min. S$600 spend (Promotion for 3 months) |
Grab, McDonald’s, Shopee Singapore, SimplyGo | 2% | 4% | 8% |
Singtel, GOMO, Singapore Power, Mobile Payments (Apple Pay, Samsung Pay, Google Pay) | 1% | 1% | 2% |
Monthly Cashback Cap | S$30 | S$60 (Promotion for 3 months) |
Boost your savings with the perfect pair
Spend on UOB One Debit Card

Earn up to S$360 a year
+
Save with UOB One Account

Earn up to S$4,950 in interest a year
Earn higher interest on your savings with One Account – up to 5.3% 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 5.3% p.a. interest in just two steps. That’s how simple it is!
T&Cs apply. Find out more.
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 One Card
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Spend S$500 on your UOB One Card
+
Perform 3 GIRO transactions -
Spend S$500 on your UOB One Card
+
Credit your salary via GIRO
Account Balance in your UOB One Account | Spend S$500 on your UOB One Card | Spend S$500 on your UOB One Card + Perform 3 GIRO transactions |
Spend S$500 on your UOB One 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 |
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.

Bundle up for even more benefits
Students, it’s a perfect match! Pair the UOB One Debit Card with Uniplus Savings Account
Simple and fuss-free account with low initial deposit for your saving needs.
Earn a base interest of 0.05% p.a. on your savings
See how UOB One Debit Card compares to a UOB ATM Contactless Card
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Statement Date and Min. Monthly Spend
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UOB One Debit Card
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UOB ATM Contactless Card
Statement Date and Min. Monthly Spend | UOB One Debit Card | UOB ATM Contactless Card |
Withdraw cash from UOB and OCBC ATMs in Singapore | ✓ | ✓ |
Withdraw cash worldwide | ✓ | ✓ |
Pay for PIN-based purchases locally | ✓ | ✓ |
Pay with NETS contactless | ✓ (not available for UOB One Debit Mastercard) |
✓ |
Pay for purchases locally and overseas eg. Online, Mail Order and Phone Order | ✓ | ❌ |
Conduct fast and secure contactless payment | ✓ | ❌ |
Turn your mobile phone into an e-wallet with Apple Pay, Google Pay & Samsung Pay. | ✓ | ❌ |
Get up to 4% cashback on Grab, McDonald’s, Shopee Singapore, SimplyGo, Singtel, GOMO, SP Utilities and Mobile Payment transactions. | ✓ | ❌ |
Enjoy UOB Cards shopping, entertainment and dining privileges | ✓ | ❌ |
Statement Date and Min. Monthly Spend |
Withdraw cash from UOB and OCBC ATMs in Singapore |
Withdraw cash worldwide |
Pay for PIN-based purchases locally |
Pay with NETS contactless |
Pay for purchases locally and overseas eg. Online, Mail Order and Phone Order |
Conduct fast and secure contactless payment |
Turn your mobile phone into an e-wallet with Apple Pay, Google Pay & Samsung Pay. |
Get up to 4% cashback on Grab, McDonald’s, Shopee Singapore, SimplyGo, Singtel, GOMO, SP Utilities and Mobile Payment transactions. |
Enjoy UOB Cards shopping, entertainment and dining privileges |

All-in-one banking app built around you
Manage your card easily on UOB TMRW app
Access your monthly card eStatements instantly, 24/7
Reset your card PIN with just a few taps
Keep track of your expenses and spending habits with personalised insights, curated for you
Privileges

Visa
Visa Platinum Privileges

Mastercard
World Debit Mastercard Privileges
- Enjoy exclusive discounts on ride-hailing, food delivery, online shopping and more.
- Get peace of mind with Mastercard’s protection from identity theft and fraudulent purchases.

Fuel Savings
Pump at SPC and save with UOB One Debit Card

Mobile Pay
Pay with your mobile phone
Add your UOB One Debit Card to your 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 Debit Card.
Things you should know
Eligibility and fees
Eligibility and Fees:
Minimum 16 years old
For Singaporeans/PR/Foreigners
- No minimum income requirements
- Holds a UOB Savings Account/Current Account
Annual Fees
S$18.34 yearly (First 3 years card fee waiver)
Annual fee waiver with 12 Visa/Mastercard transactions per year
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this card.
Terms and conditions
1Valid for new-to-UOB Debit Card customers whose UOB One Debit Mastercard online application is approved between 1 Jul – 30 Sep 2025. Eligible customers will enjoy 2X cashback — up to 8% for 3 months from the month after card approval, with a minimum spend of S$600/month on eligible transactions under the UOB One Debit Card Cashback Programme. Maximum additional cashback: S$30/month. Cashback will be credited monthly according to the programme schedule. For example, if your card is approved in July, the cashback period will be from August to October. Cashback is awarded monthly, with a maximum additional cashback of S$30 per month. Terms and conditions apply. Click here for full details.
2Total 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.
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 1.90% 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 3.30% 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.
3Get 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 Sep 2025) by successfully submitting an online participation form (available at the official UOB website) between 1 July 2025 to 30 Sep 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, and/or 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 this Promotion or other 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.
~CDP dividends must be credited from the Central Depository with the transaction description “CDP Dividend” to be eligible.
#Salary must be credited with the transaction description as "GIRO-SALA" or "PAYNOW SALA" to be eligible.
Insured up to S$100k by SDIC.
4Enjoy up to 4% cashback on Grab transactions (excludes mobile wallet top-ups), Shopee Singapore transactions (excludes ShopeePay), SimplyGo transactions (bus and train rides), McDonald’s transactions and 1% cashback on GOMO recurring transactions, Singapore Power utilities bill (excluding payments via AXS), Singtel recurring transactions, and Mobile Pay transactions such as Apple Pay, Google Pay and Samsung Pay. A minimum spend of S$300 per calendar month is required. Cashback is capped at S$30 per calendar month across all eligible transactions (other than DFI Transactions). For Cardmembers whose Cards are approved before 1 July 2025 only, you are eligible to receive 3% cashback on DFI Retail Group (“DFI”) Transactions that are successfully charged and posted to your Card account from 1 July 2025 to 31 July 2025 (the “DFI Cashback”) if you have successfully charged a total of at least S$500.00 in Transactions in the same period on your Card. The maximum DFI Cashback that you may receive for DFI transactions is capped at S$20.00 for the same period. The DFI Cashback cap is calculated on a per Card basis and is separate from and in addition to the cashback referred to in Clause 4 of the UOB One Debit Card Cashback Programme Terms and Conditions. Please click here for the full terms and conditions.
5There is no transaction fee charged for withdrawing cash at UOB ATMs in Malaysia, Indonesia and Thailand. A S$5 service charge per cash withdrawal will be charged for cash withdrawals on non-UOB ATMs. The amount of cash drawn is subject to foreign exchange rates. For the foreign exchange rate used for your cash withdrawal transaction, please refer to your statement of accounts for the Foreign and home currency withdrawal details. For more information, please click here.
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Other useful links
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.

2X cashback for New-to-Debit Card Customers
Big cashback, little effort. Enjoy 2X cashback - up to 8% cashback for 3 months on dining, online shopping, transport, mobile payments and more. Limited-time offer, apply online now for a UOB One Debit Mastercard!