UOB One Card

United Overseas Bank

You'll Love

  • Up to 3.33% cash rebate on all spend
  • Additional 2% on overseas spend
  • Up to 20% SMART$ rebate at over 800 merchants

You'll Need

  • Be at least 21 years old
  • Annual income of at least $30,000


Up to 3.33% cash rebate on ALL spend

Earn up to 3.33% cash rebate on everything, everywhere. Including recurring bill payments.

Download a recurring bill payment form.

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2% cash rebate overseas

Additional 2% on all overseas spend.

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Up to 3.33% p.a. interest with UOB One Account

Earn higher interest when you spend on your UOB One Card.

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  • Up to 20% SMART$ rebate

    Double rebate with up to 20% SMART$ rebate.

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  • UOB 0% Instalment Payment Plan

    Earn cash rebate with UOB 0% Instalment Payment Plan.

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  • More savings with UOB Fuel Power

    Enjoy up to 21.7% petrol savings.

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  • Pay with One Wave

    Just tap in front of a secure reader to pay for purchases under $100!

    Learn more

Cash Rebates

How does it work?

  • Earn up to 3.33% cash rebate on ALL spend.

Simply spend over S$300 a month to get up to 3.33% in cash rebate per quarter to automatically offset your credit card bills! The more you spend, the more cash rebate you will get.

What’s more, you can also enjoy cash rebate on recurring bills. Download a recurring bill payment form.

Assuming your UOB One Card Statement date is 15th of every month, a minimum of 3 purchases with a total minimum spend must be posted before the statement date in order for you to earn the quarterly cash rebate.

Min Requirement Purchases made with UOB One Card Rebate Earned
Statement date 15 Aug 15 Sept 15 Oct 15 Nov
Total minimum monthly spend tiers i S$300 S$300 S$300 S$30
ii. S$800 S$800 S$800 S$80
iii. S$1,500 S$1,500 S$1,500 S$150
Minimum number of purchases per statement period. 3 3 3  

Please refer to full set of UOB One Visa Credit Card Terms and Conditions. (PDF: 43KB)

  • 2% cash rebate overseas

Earn an additional 2% on all overseas spend with your UOB One Card. This additional 2% rebate applies to all transactions made overseas (excluding "not card-present" transactions example online transactions, mail/phone order, overseas transactions effected in Singapore dollars), capped at S$5,000 overseas spend per calendar year, awarded to you every month to offset your monthly credit card bills.

Please refer to full set of Additional 2% cash rebate on overseas spend Terms and Conditions.

  • Up to 20% SMART$ rebate

On top of your One Card cash rebate, you can get up to an additional 20% instant SMART$ rebate at over 800 participating merchants) islandwide.

How to maximise your savings?

Consolidate spend on your UOB One Card to get maximum savings!

Where to spend Spend amount Benefits Savings
Dining S$400 One dines free and up to 50% savings with UOB Dining Privileges S$200
Overseas S$400 2% additional rebate S$8
Recurring Bill Payment
(Mobile/broadband bill, Insurance premiums etc)
S$300 - -
Petrol at Caltex S$300 2% SMART$ rebate S$6
The Coffee Bean and Tea Leaf S$100 10% SMART$ rebate S$10
Total per month S$1,500 - S$224
Savings per quarter - S$672
Quarterly One Card Cash Rebate - S$150
Total savings per quarter - S$822
Annual savings - S$3,288

Pay With One Wave

Convenient and secure, Visa payWave is fast, easy and contactless. Simply wave your UOB One Card in front of a secure reader, grab your purchases and in 5 seconds you are on your way. Visa payWave transactions are restricted to purchases under S$100, which is great for small ticket purchases. For transactions above S$100, simply swipe your card and sign.

Where to use Visa payWave?
Visa payWave is accepted at these merchants island-wide:

and selected stores from:
• Bata Shoes • BHG • Cathay Cineplexes • Challenger • Crystal Jade My Bread • Fox • Fragrance Food • G2000 • Garrett Popcorn • Golden Village • Hang Ten • Home-Fix • Mango • Meidi-Ya • Pastamania • Pepper Lunch • Popeyes Louisiana Kitchen • Popular Book Company • Salad Stop • Subway • Shaw Theatres • SPC • TCC

The next time you shop, look out for this symbol:

  • Click here to find out more about Visa payWAVE.

Maximise savings with the UOB One Account

Earn higher interest rates of up to 3.33% p.a. on your savings when you spend S$500 every month with the UOB One Card.

Find out more.

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$50,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Minimum Sum Scheme are aggregated and separately insured up to S$50,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


Principal card
S$128.40 yearly
  • First year card fee waiver
Supplementary card
1st card
subsequent card

Fees are inclusive of Singapore’s prevailing Goods and Services Tax (GST)


Singapore citizen/PR
Min. annual income
S$30,000 OR

Fixed Deposit collateral of minimum S$10,000

Min. annual income
S$40,000 OR

Fixed Deposit collateral of minimum S$10,000

≥ 21
years old

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More Information