UOB One Debit Mastercard

  • uob-direct-debituob-direct-debit

    You'll Love

    • Up to 10% SMART$ rebate.1
    • Up to 3.68% p.a.2 on your savings with UOB One Account,
      when you spend S$500 monthly.
    • e-Commerce Protection3

    You'll Need

    • Be at least 16 years old
    • A UOB Savings or Current Account
    • No minimum income requirements

    Please note with effect from 9 March 2020, UOB Debit Card will be renamed to UOB One Debit Mastercard.


The new simple and secure way to make payments. Find out how.

Earn up to 10% rebates

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Up to 3.68% p.a. interest with UOB One Account

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Added Convenience

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Enjoy SMART$ rebates on-the-spot at participating merchants all year round and use it to offset your next purchase.

Participating merchants:

Cathay Cineplexes
Cold Storage
and many more…

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Earn higher interest when you spend on your UOB One Debit Mastercard.
Apply now and get up to S$80 cash credit. T&Cs apply. Read more


Enjoy fast, contactless payment with Mastercard contactless, or turn your mobile device into an electronic wallet with Apple Pay.


Mastercard contactless Read more
Apple Pay is the new, easy and secure way to pay.  Read more
Contactless Cash Withdrawal. Read more





e-Commerce Protection

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World Wide Acceptance

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Enhanced Card Security

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Safeguard your online purchases of up to USD200 with e-Commerce Protection3  Read more



Accepted at over 43 million Mastercard acceptance locations globally including e-shopping, mail and phone orders.

If you wish to change your daily Mastercard limit, download the 'UOB Debit Card Daily/Monthly Limit Form' here.



EMV Smart Chip protects against “skimming”, Zero liability on unauthorised charges when you notify the Bank of lost or stolen card5 and get notified with SMS alerts6 when transactions are made. Read more

See how the UOB One Debit Mastercard compares to a UOB ATM Card:
  UOB One Debit Mastercard  UOB ATM Chip Card
Withdraw cash from UOB and OCBC ATMs in Singapore
Withdraw cash worldwide
Pay for purchases locally & overseas
eg. Online, Mail Order & Phone Order
Pay for PIN-based purchases locally
Conduct fast and secure contactless payment  
Turn your mobile device into an electronic wallet4 with Apple Pay  
Get up to 10% rebate with UOB SMART$ Programme  
Enjoy UOB Card Shopping, Entertainment and Dining Privileges  

UOB SMART$ rebates will no longer be available at Metro from April 2019. You can continue to utilize your UOB SMART$ rebates at over 300 participating outlets islandwide. Visit uob.com.sg/SMART for more information.


Enjoy up to 30% off in Australia, Bali, Hong Kong, Japan, Thailand and more. Dine, Shop and Explore the world with UOB Card just like the local.


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Enjoy exclusive 1-for-1 dining deals and more!


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Enjoy the best petrol savings with UOB Cards


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Say hello to more convenience with SimplyGo.

  • No need for top-ups
  • No need for multiple cards


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Enjoy access to Priceless Cities® and open the door to unforgettable experiences. Terms and conditions apply. 


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Apply Now

Eligibility and fees


Singapore citizen/PR/Foreigners

  • Min. annual income (N.A)

Age ≥ 16 years old

Holds a UOB Savings Account/Current Account


Annual fee

  • S$18 yearly
  • First 3 years card fee waiver
  • Annual fee waiver with 12 Mastercard
    transactions per year

Please note with effect from 1 July 2018, the following debit card related fees and charges will be revised to the rates below:

  • All transactions made in foreign currencies will be subjected to an administrative fee of 3.25% of the transaction amount.
  • All Mastercard debit card transactions effected in Singapore dollars and processed overseas will be subjected to an International Processing Fee of 2.8% of the transaction amount.

How to apply

Via UOB Branch

Visit any UOB Group Branch to apply immediately

Via Application Form

Download a copy of the application form here.

Mail completed form to:
UOB Card Centre Robinson Road
P.O. Box 1688
Singapore 903338

1 Visit uob.com.sg/smart for the full list of merchants.

2 Maximum effective interest rate (EIR) on the One Account is 0.50% p.a. for deposits of S$75,000, provided customers meet the criterion of S$500 Card Spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 1.80% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 Card Spend AND (a) a min. S$2,000 salary credit via GIRO OR (b) 3 GIRO debit transactions in each calendar month. Visit uob.com.sg/oneaccount for full set of Terms and Conditions.

3 Worldwide coverage for online purchases up to USD200. Visit here for full details.

4 Apple Pay only on eligible UOB Visa and MasterCard cards issued in Singapore on iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE, Apple watch and Apple watch series 2 paired with iPhone 5 or later, iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3. For a list of compatible Apple Pay devices, see www.apple.com/sg/apple-pay.

5 The Cardmember who notifies the Bank that his/her Card has been lost, stolen or PIN disclosed, shall not be liable for any Card transactions effected after the Bank has received notification of such loss, theft or disclosure, provided that such loss, theft or disclosure is not due to negligence, fraudulent act, or default on the part of the Cardmember. Please refer to the UOB Debit Cardmember Agreement for more details.

6 Please ensure that your mobile number is registered and updated with UOB.

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$75,000 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$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Click here for other debit card related fees and charges

More Information