UOB Absolute Cashback Card

  • UOB Absolute Cashback CardUOB Absolute Cashback Card

    UOB Absolute Cashback Card
    Limitless cashback that's absolutely simple

    Highest limitless cashback^ rate in Singapore at 1.7%.
    No minimum spend. No spend exclusions.

    For new-to-UOB Credit Cardmembers, enjoy S$300 cash credit* when you apply now. T&Cs apply.

    Apply Now

About The Card

A great idea for cashback, made simple. 1.7% limitless cashback. no minimum spend. no spend exclusions
A great idea for cashback, made simple. 1.7% limitless cashback. no minimum spend. no spend exclusions

Please refer to terms and conditions and FAQs for details.

^Applies to all eligible transactions with the exception of Grab Mobile wallet top-up transactions. With effect from 15 January 2023, the cashback rate awarded for Grab mobile wallet top-up transactions will be revised to 0.3%.

Welcome bonus: S$300 cash credit!

For the first 100 new-to-UOB credit card customers who successfully apply for a selected UOB credit card by 28 February 2023 and they have spent a minimum of S$1,000 per month for 2 consecutive months from card approval date, they will receive a one-time cash credit of S$300. Full terms and conditions apply.


Apply Now

T&Cs apply.


Cashback on everything? Absolutely.


The UOB Absolute Cashback Card makes earning cashback absolutely simple, with the highest limitless cashback rate in Singapore, no minimum spend and no spend exclusions.

Enjoy 1.7% cashback^ across your daily spend and the following categories such as insurance premiums, healthcare and everything else!



Pay your premiums.

School Fees

School Fees

Settle your fees for academic institutions, courses, tuitions and more.

Wallet Top-Ups

Wallet Top-Ups

Top up your mobile or e-wallets.


With effect from 15 January 2023, the cashback rate awarded for Grab mobile wallet top-up transactions will be revised to 0.3%.



Pay for your medical and hospital bills.

Utilities & Telco Bills

Utilities & Telco Bills

Consolidate your recurring bill payments.



Make rental payment.


Enjoy 3% Cashback on all your overseas spend!

Start your holiday right with UOB Absolute Cashback Card! Enjoy 3% cashback on your overseas spend (including online) with endless shopping, dining, sightseeing and more! Simply start using your card overseas from 15 Jan to 28 Feb 2023.

To participate, register now:
SMS ABF ‹space›last 4 alphanumeric digits of your NRIC/Passport No. to 77862
Example: ABF 567A to 77862 if your NRIC is S1234567A


Valid from 15 Jan – 28 Feb 2023 (“Promotion Period”). UOB Absolute Cashback Cardmembers (“Cardmembers”) who have successfully registered to participate in the promotion via SMS during the Promotion Period will earn a bonus of 1.3% cashback on their overseas spend (“Bonus Rebate”) by charging at least S$1,500 to their UOB Absolute Cashback Card during the Promotion Period (“Minimum Spend”). No cap on the dollar value of the Bonus Rebate that Cardmembers may earn during the Promotion Period. For full terms and conditions, visit here.


Enjoy the best of both worlds with American Express and UOB lifestyle privileges across categories including retail, dining, local adventures and more. Click on the section headers to start exploring.

Enjoy exclusive American Express Card privileges, including local and overseas deals, 2-year Tablet Plus membership, and more.

Short-circuit your search for good food with dining guides, inspiration, dining deals on deliveries, takeaways and more with The Dining Advisor.

Get inspired to plan and book your future adventures as you explore the best local and international travel deals with The Travel Insider.

There’s a deal for everyone at ShopUOB – from fashion and beauty to home and electronics, and even groceries. Check out our featured deals here!

Click here for more UOB Cards Privileges.


Other Benefits

UOB Mighty


The all-in-one app for all your personal needs. It’s banking made simple, easy and personal for you.

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UOB SmartPay

UOB SmartPay

Buy now and pay later, plus enjoy interest-free monthly instalments.

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UOB Personal Loan

UOB Personal Loan

Instant cash for immediate needs.

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  • Interest free monthly instalments with low one time processing fee
  • Flexible payments over 3, 6, 12 months
  • Fast and hassle-free application via Personal Internet Banking, online form or SMS

Find out more about UOB SmartPay here.

Instant, convenient and timely. Apply for UOB Personal Loan online now, and enjoy a low interest of 3.68% p.a. (EIR 7.21% p.a .) with up to S$600 cash rebate.

Find out more here.

Apply Now

Eligibility and requirements

Minimum 21 years old

For Singapore Citizens and Permanent Residents

  • Minimum annual income of S$30,000 is required OR
  • Fixed Deposit collateral of at least S$10,000#

For Foreigners

  • Minimum annual income of S$40,000 is required OR
  • Fixed Deposit collateral of at least S$10,000#


Documents required: Click here.


#Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.


Principal Card
S$194.40* yearly
First year card fee waiver


Supplementary Card
First card free
S$97.20* for subsequent cards


*Inclusive of Singapore’s prevailing Goods and Services Tax (GST)


Absolute Cashback Card

Apply Now

Alternatively, if you are already a Principal UOB Credit Card holder, you can send an SMS application to 77672:

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

SMS T&Cs apply.

^"Highest limitless cashback rate in Singapore" in comparison to other banks’ credit cards across Singapore that rewards a flat cashback earn rate with no minimum spend and no cap on cashback earned with the exception of Grab Mobile wallet top-up transactions as at 14 Dec 2022. With effect from 15 January 2023, the cashback rate awarded for Grab mobile wallet top-up transactions will be revised to 0.3%.

"No spend exclusions" does not include NETS transactions made with the UOB Absolute Cashback Card.

For full UOB Absolute Cashback Card terms and conditions, visit here.

*Customers who do not hold any UOB Credit Cards as at the date of application nor 6 months prior to 21 November 2022. For full term and conditions, visit here.

+You will be required to apply to activate your complimentary travel insurance coverage at least 5 working days before your departure. Click here to activate. The specific details applicable to this insurance are set out in the Insurance Certificate and Agreement which is the operative document. Terms, conditions and exclusions apply. Please seek advice from a qualified advisor if in doubt.

American Express is a trademark of American Express. The UOB Absolute Cashback American Express® Card is issued by United Overseas Bank Limited pursuant to a license from American Express.

Q1 What are the key features of the UOB Absolute Cashback Card?

Enjoy 1.7% limitless cashback on your spend with no minimum spend, no cap on cashback earned and no spend exclusions. With effect from 15 January 2023, the cashback rate awarded for Grab mobile wallet top-up transactions will be revised to 0.3%.
Visit uob.com.sg/absolutetncs for details.

Once you have received your UOB Absolute Cashback Card, visit uob.com.sg/activate to activate and start using your card.

Q2 What transactions are eligible for cashback?

Transactions at all merchants who accept American Express credit card payments are eligible for cashback.

However, it does not include NETS and NETS-related transactions, 0% Instalment Payment Plans, SmartPay, Personal Loans, balance/funds transfers, cash advances, any fees and/or charges (including without limitation, late payment charges, interest charges, annual or monthly fees or charges, service fees or processing fees) imposed by UOB.

Q3 How is my cashback calculated?

Your cashback is computed based on the total value of transactions successfully charged and posted within your credit card statement period.

Cashback earned for current statement period will be credited to the principal card account and reflected in the next statement to automatically offset any billed amount for your UOB Absolute Cashback Card account in that same statement. The cashback earned will be rounded to the nearest two decimal places, reflected in statement with transaction description "UOB Absolute Cashback", no redemption of cashback is required.

Example: Your billing cycle is 10th of every month and you spent S$99 on 11 May

Credit Card statement dated 10 Jun Credit Card statement dated 10 Jul
S$99 transaction on 11 May posted to statement Cashback earned of S$1.68 (S$99 x 1.7%) credited into statement

Q4 I have a reversal of my transaction on the UOB Absolute Cashback Card. What happens to my cashback?

In the event of any cancelled, disputed and/or reversed transactions, you will need to make incremental spend to offset the reversed transaction amount in order to continue earning Cashback.

Q5 Will there be any scenarios for my cashback to be disqualified?

The Card shall only be used for your own legitimate and genuine personal expenses and shall not be used for commercial or other non-personal expenses.

UOB may deduct, re-compute, withdraw, forfeit and/or cancel any Cashback earned and/or awarded and/or cancel and terminate your Card, without giving any reason or prior notice or assuming any liability to you, if:

  1. spending on your Card account is deemed by UOB in its sole and absolute discretion to be for commercial, illegitimate, not genuine, commercial and/or non-personal purposes;
  2. your Card account is not in good standing and not conducted in a proper and satisfactory manner at any time as determined by UOB in its sole discretion;
  3. your Card account is overdue;
  4. UOB deems in its sole discretion that there is an abuse of the Cashback programme (whether via unusual, illegitimate, and/or not genuine transaction activities or otherwise);
  5. relevant Cashback was not earned from qualifying spend; or
  6. for any other reason that UOB may determine in its sole discretion.

No payment or compensation in respect of such deduction, re-computation, withdrawal or cancellation will be made.

Q6 Can I use my UOB Absolute Cashback Card for contactless payments?

Yes, all UOB American Express Cards are eligible for contactless payments except for mobile contactless payments (eg Apple Pay, Google Pay, Samsung Pay, etc, are not enabled).

Q7 Where do I find the CVV code on my UOB Absolute Cashback Card for online payments?

Please key in the 4-digit Card Security Code that is printed on the front of your UOB Absolute Cashback Card when making online payment.

Q8 How do I make payment to my UOB Absolute Cashback Card credit card bill?

Please visit here. For other payment modes, simply select “UOB Credit Cards” as the billing organisation to receive payment and key in your 15 digit card number.