Start earning cashback on your overseas trip!
Enjoy up to 1% cashback
with no min. spend, no cap and no FX fees on overseas FX spend till 31 Dec 2026ENHANCED
- 0.5% cashback in China and Europe*
- 1% cashback on other overseas FX spend
No registration, no top ups required. Simply enjoy fuss fee overseas spending with your Singtel-UOB Card.
Subject to qualifying criteria. Exclusions apply. Click here for full terms and conditions.
Start earning cashback on your overseas trip!
Enjoy up to 1% cashback with no min. spend, no cap and no FX fees on overseas FX spend till 31 Dec 2026ENHANCED
- 0.5% cashback in China and Europe*
- 1% cashback on other overseas FX spend
No registration, no top ups required. Simply enjoy fuss fee overseas spending with your Singtel-UOB Card.
Subject to qualifying criteria. Exclusions apply. Click here for full terms and conditions.
Win S$300 worth of Grab Vouchers^!
From 15 July 2026 to 14 September 2026 (both dates inclusive), stand to be one of the 100 winners to win S$300 Grab vouchers when you spend with Singtel-UOB Card!
Here’s how you can earn your chances for the Lucky Draw:
- One (1) chance for every S$50 local spend (exclude Singtel/GOMO spend)
- Two (2) chances for every S$50 equivalent foreign spend
- Two (2) chances for every S$50 Singtel/GOMO spend
Lucky draw will be held on 16 November 2026. Winners will be notified by 30 November 2026 via a notification letter, SMS or email sent based on your contact details in UOB’s records.
Subject to qualifying criteria. Exclusions apply. Click here for full terms and conditions.
Benefits of Singtel-UOB Card
Power up with the enhanced Singtel-UOB Card – now with higher cashback!
Up to 1% cashback overseas
(no min. spend and no cap)Enhanced
Enjoy 0.5% cashback on FX spend in China and Europe# and 1% cashback on all other FX spend2 till 31 Dec 2026.
Enjoy up to 12% cashback on Singtel/GOMO spend
Save more when you pay for your new phone, broadband plans and more from Singtel and GOMO.
Earn up to 10% cashback on local online and mobile contactless spend
Get rewarded on your purchases everywhere from dining, to retail, to entertainment and more – just tap and earn cashback!
Maximise your savings with Singtel vouchers
Receive up to S$300 worth of Singtel vouchers every year which you can use to offset your purchases at Singtel shops.
No card annual feesNEW
Say goodbye to annual fees from 1 July 2026. Card annual fees will no longer be charged, no min. spend required!NEW
Boost your benefits with Singtel-exclusive perks
Unlock more rewards like extra local data and talktime, free Taste of Red membership and more.
Enjoy cashback on your local & overseas spend
Get up to 1% cashback (no cap, no min. spend) on overseas spend with no FX fees, plus up to S$80 cashback monthly — when you meet the monthly minimum spend.
| Category | If your monthly spend amount is | Cap | |
|---|---|---|---|
| Below S$800 | S$800 and above | ||
| Overseas Foreign Currency Spend | 1% | No Cap | |
| Local Online & Mobile Contactless Spend | 0.3% | 10% | S$30 |
| Singtel Spend | 12% | S$30 | |
| All other Eligible Local Spend | 0.3% | S$20 | |
| Cashback Cap | - | S$80 | |
Cashback at a glance
Here’s how easy is it to earn cashback with Singtel-UOB Card
| Spend | Spend Amount | Cashback Earned |
|---|---|---|
| Spend | Spend a minimum of S$800 in a statement month | |
| From now till 31 Dec 2026 0% FX fees worldwide (no min. spend) + Up to 1% cashback on overseas FX spend (no min. spend & no cap!)ENHANCED |
||
| Groceries purchase in Johor Bahru charged in MYR | S$100 worth in SGD | S$1.00 (no FX fees!) |
| Disneyland Admission in Shanghai charged in CNY | S$100 worth in SGD | S$0.50 (no FX fees!) |
| Souvenir Purchase in Europe charged in EUR | S$100 worth in SGD | S$0.50 (no FX fees!) |
| 10% cashback on Local Online and Mobile Contactless spend | ||
| Purchases from Shopee | S$100 | S$10.00 |
| Dining spends via Apple / Google Pay | S$30 | S$3.00 |
| Purchase from Fairprice Xtra via Apple / Google Pay | S$80 | S$8.00 |
| Purchases from Fairprice Xtra via Fairprice App | S$70 | S$7.00 |
| 12% cashback on Singtel Spend | ||
| Singtel Broadband bill | S$40 | S$4.80 |
| Singtel Mobile bill | S$30 | S$3.60 |
| GOMO bill | S$25 | S$3.00 |
| Accessories from Singtel Shop | S$100 | S$12.00 |
| 0.3% cashback on all Other spend | ||
| Purchase from Courts via Visa Paywave (tapped to pay using physical card) |
S$25 | S$0.08 |
| Total | S$800 | S$53.48 |
Exclusive Singtel-UOB Card privileges
Enjoy more perks exclusively with Singtel-UOB Card. Visit Singtel website here for more details.
12% OFF GOMO PlanNEW
Enjoy 12% OFF monthly subscription for 12 months when you sign up or port in to a GOMO 5G+ Asia Infinity or 5G+ Global Infinity plan.
Roaming data benefits NEW
-
Extra 1GB of ReadyRoam
Asia/Worldwide/Others -
Free 1 month of DataRoam
Malaysia 6GB (3-month contract)
Extra Local Data & Talktime
Enjoy extra 10GB local data and 100 mins talktime monthly when you sign up or recontract to an eligible Singtel mobile plan.
Free CAST Packs
- Free 6-months of CAST packs for all Singtel-UOB Cardmembers
- Free 12-months of CAST packs when you sign up or recontract to an eligible Singtel broadband plan.
Free Taste of Red Access for 6 months
Enjoy 1-for-1 F&B deals, 50% OFF Plaza Premium Lounge access and more.
Waiver of Administrative Fees
Enjoy one-time waivers of the SIM card fee (worth $21.80), registration fee (worth $10.90) and recontract fee (worth $10.90) upon sign-up or recontract of an eligible mobile plan.
Enjoy waiver of the NetLink Trust service activation charge (worth $61.04 per port) when you sign up for a new fibre broadband.
Exclusive Singtel-UOB Card privileges
Enjoy more perks exclusively with Singtel-UOB Card. Visit Singtel website here for more details.
12% OFF GOMO PlanNEW
Enjoy 12% OFF monthly subscription for 12 months when you sign up or port in to a GOMO 5G+ Asia Infinity or 5G+ Global Infinity plan.
Roaming data benefits NEW
-
Extra 1GB of ReadyRoam
Asia/Worldwide/Others -
Free 1 month of DataRoam
Malaysia 6GB (3-month contract)
Extra Local Data & Talktime
Enjoy extra 10GB local data and 100 mins talktime monthly when you sign up or recontract to an eligible Singtel mobile plan.
Free CAST Packs
- Free 6-months of CAST packs for all Singtel-UOB Cardmembers
- Free 12-months of CAST packs when you sign up or recontract to an eligible Singtel broadband plan.
Free Taste of Red Access for 6 months
Enjoy 1-for-1 F&B deals, 50% OFF Plaza Premium Lounge access and more.
Waiver of Administrative Fees
Enjoy one-time waivers of the SIM card fee (worth $21.80), registration fee (worth $10.90) and recontract fee (worth $10.90) upon sign-up or recontract of an eligible mobile plan.
Enjoy waiver of the NetLink Trust service activation charge (worth $61.04 per port) when you sign up for a new fibre broadband.
Other Promotions
Fuel up and get rewarded at SPC
Save as you pump and enjoy fuel savings of up to 20% with your Singtel-UOB Card at SPC!
Visa Signature Offers + Perks
Gain access to a wide variety of offers and deals, including travel, food and wine, dining, shopping sports, entertainment and more.
UOB Payment FacilityNEW
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) 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).
ASICS
- 15% off selected regular-priced items with min. spend of S$200
CROCS
- 20% off with min. spend of S$120
Lenskart
- New customers: S$20 off with min. spend of S$140
- Existing customers: S$30 off with min. spend of S$350
Shopee
New customers
- S$15 off with no min. spend
Complimentary travel insurance
Enjoy the following benefits when you travel with your Singtel-UOB Card:
- Travel Delay up to S$200
- Flight Overbooking up to S$100
- Flight Misconnection up to S$100
- Credit Card Liability Protector coverage of S$5,000
- Public Conveyance Personal Accident of S$500,000
- Emergency Medical Assistance of up to S$50,000 due to an accident or illness
Other Promotions
Fuel up and get rewarded at SPC
Save as you pump and enjoy fuel savings of up to 20% with your Singtel-UOB Card at SPC!
Visa Signature Offers + Perks
Gain access to a wide variety of offers and deals, including travel, food and wine, dining, shopping sports, entertainment and more.
UOB Payment FacilityNEW
Pay anything with the UOB Payment Facility and earn points (UOB UNI$) 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).
ASICS
- 15% off selected regular-priced items with min. spend of S$200
CROCS
- 20% off with min. spend of S$120
Lenskart
- New customers: S$20 off with min. spend of S$140
- Existing customers: S$30 off with min. spend of S$350
Shopee
New customers
- S$15 off with no min. spend
Complimentary travel insurance
Enjoy the following benefits when you travel with your Singtel-UOB Card:
- Travel Delay up to S$200
- Flight Overbooking up to S$100
- Flight Misconnection up to S$100
- Credit Card Liability Protector coverage of S$5,000
- Public Conveyance Personal Accident of S$500,000
- Emergency Medical Assistance of up to S$50,000 due to an accident or illness
Singtel-UOB Card: Eligibility and Fees
Eligibility and fees
Age Requirement
- Applicant must be an individual (non business) Singtel Customer
- 21 years and above
Minimum Income:
Singaporean/PR:
- S$30,000 p.a. (55 years old and below)
- S$15,000 p.a. (56 years and above)
- Fixed Deposit collateral of at least S$10,000^^
Foreigners
- S$40,000 p.a.
- Fixed Deposit collateral of at least S$10,000^^
Need help? You can refer to our FAQ page
^^Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.
Documents required:
Click here.
Apply using MyInfo via Singpass to enjoy Instant Card Approval.
Alternatively, if you are already a Principal UOB Credit Card Holder, you can send an SMS application to 77862:
- <Yesst>space<Last 4 digits of existing UOB Card>space<NRIC>space<Singtel Account>
E.g. Yesst 6789 S1234567A 10000000
Fees
With effect from 1 July 2026, annual fees for both principal and supplementary Singtel-UOB Cards will no longer be chargedNEW^Inclusive of Singapore's prevailing Goods and Services Tax (GST).
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this card.
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
Frequently Asked Questions (FAQs)
Terms and Conditions
^Singtel-UOB Card S$300 Grab Vouchers Lucky Draw 2026 is valid from 15 July to 14 September 2026 (both dates inclusive) only (the “Promotion”). For principal Cardmembers of existing Singtel-UOB Card with card open date before 15 July 2026, you must successfully register to participate in the Promotion by submitting an online registration on the Singtel-UOB Card webpage, or via Rewards+ on UOB TMRW, during the Promotion Period. For principal Cardmembers of Singtel-UOB Card with card open date on or after 15 July 2026, you will be automatically registered for the Promotion and be awarded with 25 chances. To earn lucky draw chances with your Singtel-UOB Card, you will be awarded one (1) chance for every S$50 local spend (excluding Singtel/GOMO spend), two (2) chances for every S$50 equivalent foreign spend or two (2) chances for every S$50 Singtel/GOMO spend. A total of 100 winners who satisfy all the conditions for the Promotion will be randomly selected during the lucky draw. Terms and conditions apply.
1”Highest cashback” refers to the 12% direct cashback (capped at S$30) awarded on Singtel spend (including Singtel one-time bill payments, Singtel recurring bill payments, and purchases made at Singtel stores and Singtel exclusive retailers), when compared against other major personal credit cards in Singapore offering direct cashback on telco bill payment and telco purchases with a minimum income requirement of S$30,000 as at 1 August 2025.
2Enjoy (i) 0.5% cashback on Overseas Foreign Currency spend in China and Europe#; and (ii) 1% cashback on all other Overseas Foreign Currency Spend; (no minimum spend and no cap) from 29 April 2026 to 31 Dec 2026 (both dates inclusive). Exclusions and other terms and conditions apply.
Terms and Conditions governing Singtel-UOB Card
TERMS AND CONDITIONS GOVERNING SINGTEL-UOB CARD UP TO 1% CASHBACK ON FX SPEND PROMOTION (29 APRIL 2026 TO 31 DECEMBER 2026)
Existing Singtel-UOB Cardmembers (issued before 27 August 2025) and Qualifying criteria for Singtel vouchers
Revision to qualifying criteria for Singtel Vouchers
Please note that the qualifying criteria for Singtel vouchers has been revised from 17 April 2026:
The yearly spending requirement to qualify for Singtel vouchers will change:
The requirement of having an Eligible Recurring Payment Arrangement remains unchanged.
This change will be immediately applicable to new cardmembers whose Singtel-UOB Card is approved on/after 17 April 2026. Existing cardmembers can continue to accumulate local spend to fulfil the yearly local spending requirement until the end of their ongoing qualifying period, after which, the revised qualifying criteria will apply.
Full terms and conditions apply.
Please click here for Frequently Asked Questions
Cashback
For existing Singtel-UOB cardmembers holding a card issued before 27 August 2025, you will enjoy the enhanced benefits from 27 August 2025.
If you do not meet the minimum spend of S$800, you will earn 0.3% cashback on all Transactions successfully charged to your Card account in that statement month.
Other Singtel Privileges
We are refreshing your Singtel experience with the following exciting updates to Singtel privileges. In addition to the following changes to the existing benefits, please look out for details of other new benefits on our website on 27 August 2025.
Annual fee waiver (effective 10 November 2025)
As a Singtel-UOB Cardmember, you currently enjoy annual fee waiver with Singtel bills charged to the Card on recurring basis for 12 months. With effect from 10 November 2025, you will also enjoy annual fee waiver with GOMO bills charged to the Card on recurring basis for 12 months.
No administrative fee on foreign currency spend (“FX fees”) on the Card
With effect from 27 August 2025, enjoy 0% fees on your Overseas Foreign Currency Spend on the Card.
*Refer to Terms and Conditions Governing Singtel-UOB Card for full details.
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Card services
Card Services & FAQs
Find answers, guidance, and support to manage your UOB Card
Make secure and seamless payments with Apple Pay
Add your UOB Credit and Debit Cards to your Apple Wallet and enjoy the ease of payment for your purchases securely via Apple Pay.
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 0990 (local) or +65 6222 0990 (from overseas)
Card services
Card Services & FAQs
Find answers, guidance, and support to manage your UOB Card
Make secure and seamless payments with Apple Pay
Add your UOB Credit and Debit Cards to your Apple Wallet and enjoy the ease of payment for your purchases securely via Apple Pay.
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 0990 (local) or +65 6222 0990 (from overseas)
Other useful links
UOB Cardmembers’ Agreement
Click here for a copy of the UOB Cardmembers’ Agreement.
General information on UOB Cards
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