Southeast Asia's first one-stop travel portal designed for UOB Cardmembers. Inspire, plan, and book your next adventure with UOB Cards.
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Now enhanced to make your money work harder as you save and invest or insure with UOB. Subject to qualifying criteria. T&Cs apply. SGD deposits are insured up to S$100k by SDIC.
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Tap your way to 0% FX fees, cashback on MYR spend and instant savings with UNI$ redemption.
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Get instant cash at 0% interest and low processing fees. Choose from 3, 6 and 12-months tenor.
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Invest in funds powered by Private Bank CIO – United CIO Income Fund and United CIO Growth Fund
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Explore UOB's range of savings accounts and credit cards designed around your banking needs. Get started by entering your friend's referral code here. Subject to qualifying criteria. T&Cs apply.
you are in Personal Banking
We're enhancing your banking experience. From 1 October 2026, UOB One Debit Card will be offered with no annual fee. Click here for more details.
Earn cashback on your daily favourites like Grab, McDonald's, Shopee and SimplyGo. Plus, your recurring bills with Singapore Power, Singtel and GOMO.
Enjoy 1% cashback1 at more places now with mobile payments added (Apple Pay, Google Pay and Samsung Pay)
Pair your UOB One Debit Card with UOB One Account and enjoy up to 3.4% p.a. interest3 on your savings—just by spending!
Enjoy over 1,000 deals, cashback, weekly coupons and exciting rewards all year round with Rewards+ on UOB TMRW.
Get instant cashback with UOB$ on your favourite dine, retail and lifestyle brands island wide! Track your rewards easily on the UOB TMRW app under Rewards+ > My Rewards.
Access your money using just your phone at UOB ATMs in Singapore. When overseas, enjoy zero transaction fees when withdrawing cash at UOB ATMs in Malaysia, Indonesia, and Thailand.
| Monthly Cashback Rate | Tier 1: Min. S$300 spend | Tier 2: Min. S$600 spend |
| Grab, McDonald’s, Shopee Singapore, SimplyGo | 2% | 4% |
| Singtel, GOMO, Singapore Power, Mobile Payments (Apple Pay, Samsung Pay, Google Pay) | 1% | 1% |
| Monthly Cashback Cap | S$30 | |
Earn up to S$360 a year
+
Earn up to S$2,850 in interest a year
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 3.4% p.a. interest in just two steps. That’s how simple it is!
| 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% | 1.00% | 1.00% |
| Next S$50,000 | 0.05% | 2.00% | 2.50% |
| Next S$25,000 | 0.05% | 0.05% | 3.40% |
| 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.
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
| 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 |
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
Enjoy the following benefits when you travel with your UOB One Debit Card:
Enjoy year-long savings of 14% on your fuel purchases with the UOB One Debit Card.
Enjoy up to 20% off your petrol purchases at SPC with your UOB One Debit Card and SPC&U Card!
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.
Minimum Age
16 years old
Eligible Account Type
UOB Savings or Current Account
Annual Income Requirement
No minimum income requirements
Annual Fees
S$0
Removal of Annual Fees for UOB Personal Debit Cards: We're enhancing your banking experience. From 1 October 2026, UOB One Debit Card will be offered with no annual fee. Click here for more details.
Sales representatives, if any, may be remunerated for the recommendation or sale of this card.
With effect from 1 October 2026, UOB One Debit Card will be offered with no annual fee. Click here for more details.
1Enjoy up to 4% cashback on Grab transactions (excluding GrabPay Wallet top‑ups), Shopee Singapore transactions (excluding ShopeePay Wallet top-ups), SimplyGo transactions (bus and train rides only, excluding SimplyGo top-up transactions), McDonald’s transactions with a minimum monthly spend of S$600. Enjoy up to 2% cashback on the same categories with a minimum monthly spend of S$300. 1% cashback applies to Singtel and GOMO recurring transactions, Singapore Power utility bills (excluding payments via AXS), and Mobile Pay transactions (Apple Pay, Google Pay and Samsung Pay), with a minimum monthly spend of S$300. Cashback is capped at S$30 per calendar month across all eligible transactions. Subject to qualifying criteria. Please click here for the full 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$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 1.40% 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 1.90% 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.
You're a savvy spender and getting the most out of your card is your forte. The UOB One Card gives you the most cashback and helps you grow your savings. It's the smarter way to spend.
The card for your shopping desire. Get the most out of your shopping at Metro with Metro-UOB Card.
Every choice you make helps you curate the life you want. Own it with UOB EVOL Card and enjoy cashback on local and overseas spend!
Embark on a culinary adventure with our curated collection of reviews, deals and more. A guide designed for the epicurious.
A travel portal to inspire, plan and book your next vacation in one place.
Get the latest deals and inspirations for all your shopping needs. There’s a deal for everyone at ShopUOB.
Travel with Rewards+ on UOB TMRW for access to the hottest regional deals and coupons, curated just for you.
Embark on a culinary adventure with our curated collection of reviews, deals and more. A guide designed for the epicurious.
A travel portal to inspire, plan and book your next vacation in one place.
Get the latest deals and inspirations for all your shopping needs. There’s a deal for everyone at ShopUOB.
Travel with Rewards+ on UOB TMRW for access to the hottest regional deals and coupons, curated just for you.
Find answers, guidance, and support to manage your UOB Card
Add your UOB Credit and Debit Cards to your Apple Wallet and enjoy the ease of payment for your purchases securely via Apple Pay.
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.
Enable your UOB card for overseas use.
Call 1800 222 0990 (local) or +65 6222 0990 (from overseas)
Find answers, guidance, and support to manage your UOB Card
Add your UOB Credit and Debit Cards to your Apple Wallet and enjoy the ease of payment for your purchases securely via Apple Pay.
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.
Enable your UOB card for overseas use.
Call 1800 222 0990 (local) or +65 6222 0990 (from overseas)
Click here for a copy of the UOB Debit Cardmembers’ Agreement.
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.
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