Credit/Debit Card fee waiver requests are only accepted via our automated self-serve channels, we will no longer accept fee waiver requests via a customer service officer.

Customers may apply for a fee waiver request through any of the below listed channels.

1) UOB TMRW app

2) Phone Banking

3) UOB Digital Assistant

For additional information please refer to the below step-by-step guide for the various channels.

From 1st February 2025, we will no longer accept fee waiver requests via a customer service officer.

Please submit your request via our self-serve channels, thank you.

As a gesture of goodwill*, the bank offers customers one (1) finance charge or late charge waiver across all eligible account(s) with the Bank within a period of 12 rolling months. If you have been granted a waiver in the past 12 rolling months, we regret that we will not be able to grant you any further waivers nor consider any appeals.

*Not applicable to customers with 2 or more consecutive partial / late payments within their last three billing cycles (statements), and customers with 5 or more partial / late payments in their last twelve billing cycles (statements).

The Bank will periodically review the waiver criteria and all waiver requests are subject to the Bank’s approval.

Customers are rejected due to 2 main reasons.
1) Exceeding the goodwill* limit for waiver – one (1) finance charge or late charge across all eligible account(s) with the Bank within a period of 12 rolling months.
2) Failing to make full and / or late payment on multiple occasions within a period of 12 rolling months.

If you have been granted a waiver for finance charge and/or late charge in the past 12 rolling months, we regret that we will not be able to grant you any further waivers and/or consider any appeals.

*Not applicable to customers with 2 or more consecutive partial / late payments within their last three billing cycles (statements), and customers with 5 or more partial / late payments in their last twelve billing cycles (statements).

If you only hold a single credit card with UOB or have a Private Banking / Privilege Reserve Banking relationship with UOB, please request via our self-service channels (listed below) and we will automatically waive your annual fee.

(Not applicable for fee-paying premium cards such as Visa Infinite Metal Card and Reserve Card, please refer to our Credit Card Annual Fee page for more information)

Alternatively, if you hold multiple credit cards with UOB, to qualify, you must spend:

• S$5,500 on credit card charged w/ Annual Fee, or
• S$22,000 across all UOB credit cards, or
• S$3,000 in overseas spend across all UOB credit cards

This spend must be within the first 11 months from your card anniversary date.

Example: If your annual fee was charged on 1 May 2026, spending from 1 May 2025 to 31 March 2026 will be counted.
Other factors such as your overall relationship with the Bank and amount of Assets Under Management (AUM) are also considered in our criteria.

The Bank will periodically review the waiver criteria and all waiver requests are subject to the Bank’s approval. Decision from our various self-serve channels are final and we regret we will not be able to grant you any further waivers nor consider any appeals.

Annual Membership Fee is a legitimate fee automatically debited to your Card account upon your Card anniversary date. Alternatively, credit cards such as UOB EVOL card and Singtel-UOB card do not have an Annual Fee effective 1st July 2026. Please visit the respective Credit Card product pages to find out more.

Your Annual Fee Waiver request has been declined if you did not meet the eligibility criteria during the applicable annual fee period.

Furthermore, fee waiver requests are only considered for Annual / Membership Fee charges in your current unbilled transactions or within the past 3 statement months. (Please visit UOB TMRW > “Services” at the bottom right > Under “Transactions” click “eStatements” > Click “Personal Credit Card Statement” to view your latest 3 statements.) Requests outside of this period are not eligible for waiver.

Step 1 Dial 1800 222 2121
Step 2 For the English menu, press 1. For the Mandarin menu, press 2.
Step 3 Select UOB chat services & phone banking, press 1.
Step 4 Select Fee waiver and application status, press 2.
Step 5 Select Credit card fee waiver, press 1.
Step 6 For an Annual Fee waiver request, press 1. For a Finance Charge and/or Late Charge request, press 2.