UOB Delight Credit Card

    UOB Delight Credit Card Review

    The UOB Delight Credit Card is one of the most popular credit cards in UOB’s credit card offering as the card gives you rebates on all your purchases and additional rebates on grocery purchases and recurring mobile bills. Let’s take a look at some prominent features, benefits and other fee related details of the UOB Delight Credit Card.


    Dining Promotions

    • El Mero Mero :You get 10% discount on your total bill at El Mero Mero with your UOB Delight Credit Card. The promotional offer is valid till 30 October, 2017.
    • IKYU: With your UOB Delight Credit Card, you can enjoy a 15% discount on your total bill. The promotional offer is valid till 31 October, 2017.
    • IndoChine Club Street: Use your UOB Delight Credit Card to get 10% off at IndoChine Club Street. The offer is valid till 31 October, 2017.

    Travel Promotions

    • Expedia: Use your UOB Credit Card to make hotel reservations on Expedia to get discounts of up to 50% on select hotel bookings. The promotional offer is valid till 31 March, 2018.
    • AirAsiaGo: Enjoy discounts of up to 10% when you use your UOB Credit Card to make travel related reservations on AirAsiGo. The offer is valid till 31 December, 2017.

    Other Promotions:

    • Belif: Cardholders can enjoy a discount of 10% when they shop at Belif using their UOB Delight Card. The offer is valid till 31 December 2017 and is applicable only on a minimum purchase amount of S$50.
    • Eu Yan Sang: Cardholders can enjoy a free membership at Eu Yan Sang worth S$15 and also can get a discount of 5% off on regular priced items when they sign-up. The promotion is valid until 30 September 2017.
    • FarEastFlora.com: Cardholders can get a 15% discount on Hand Bouquets, Artificial Floral Arrangements, Table Fountains, and Table Gardens. Cardholders can also get a 10% discount on Gourmet baskets and hampers. The discount is not applicable on Valentine’s Day collection, Mother’s Day collection, Chinese New year’s collection, and Christmas collection. The offer is valid until 31 December 2017.
    • Precious Thots: Cardholders can enjoy a discount of 10% on regular priced items and a 5% discount on sale items when they shop at Precious Thots using their UOB Delight Card. The offer is valid till 31 December 2017.
    • Rip Curl: Cardholders can enjoy a discount of 15% on regular priced items when they shop at Rip Curl. The offer is valid till 28 February 2018.


    Cash Withdrawals

    • You can use your UOB Delight Card to make cash withdrawals from ATMs across the world.
    • Cash withdrawals will attract cash advance fees and interest charges that are levied at a compounding rate of interest on an everyday basis.

    Instalment options

    • You can convert your big-ticket purchases into easy monthly payments with the UOB Delight Card.
    • Instalment options can range from 3 months to 24 months, depending on your choice, mostly dependent on the magnitude of your big-ticket purchase.

    Convenient and easy bill payment options

    • As a UOB Delight Credit Card member, you can pay your bills in an easy and convenient manner.
    • You can pay your bills through the UOB mobile application, or through internet banking. You can also visit your nearest UOB branch in Singapore and make your credit card bill payment.

    Auto Pay your bills

    • You can use your UOB credit card to auto pay your recurring monthly utility bills.

    Other Features

    • Offers 10% discount at Singapore’s three major retailers.
    • Avail Delight specials and free home delivery when you shop at Giant Hyper.
    • No minimum income requirement.
    • Rebate of 3% for contactless transactions, telco and insurance bills.
    • Up to 20% savings on fuel purchase at SPC stations.
    • Avail 13.6% savings on fuel purchases at Shell fuel stations.
    • Avail up to 10% SMART$ rebate at over participating outlets in Singapore.
    • First annual fee waiver.
    • No minimum income requirement.
    • The credit card can be used for contactless transactions.
    • Low annual fee.
    • Low rate of interest.
    • Hassle free application process.
    • Quick processing.
    • Easy and simple documentation.


    • You get rebates of 8% on grocery purchases at Market Place, Jasons, Guardian, Giant and Cold Storage. The rebate is valid at these market chains across the Island State.
    • You get a rebate of 3% when you use contactless payment methods to make purchases.
    • On recurring monthly bills paid through your UOB Delight Credit Card, you get a 3% cash rebate.
    • On all other expenses and purchases made through your UOB delight Credit Card, you get a 0.35% cash rebate.
    • You can enjoy savings of up to 20% on fuel purchases made using your UOB Delight Credit Card at SPC and Shell service stations across the Island State.
    • Get discounts of up to 15% at top dining establishments in Singapore when you use your UOB Delight Card to make payments.
    • Annual fee waiver for the primary and supplementary card for the first year.
    • 10% off on house brands at Cold Storage, Giant and Guardian.
    • Avail Delight specials and free home delivery when you shop at Giant Hyper.
    • Contactless transactions through Visa payWave and NETS Flashpay.
    • No minimum income requirement.
    • Low interest rates.

    Reward Programs

    The card comes with attractive rewards that you can redeem for amazing benefits and offers. Given below are the rewards of UOB Delight credit card in different categories:

    • With the UOB delight Credit Card, you can earn SMART$ rebates at over 900 establishment across Singapore.
    • You can also earn additional SMART$ rebates on grocery shopping.

    Fees and Charges

    Type of fee Amount payable
    Annual fee for primary card S$85.60
    Annual fee for supplementary card S$53.50
    Interest rate 25.9% p.a.
    Late payment charges S$80
    Cash advance fee S$15 or 6% of the amount withdrawn and APR of 28% p.a.
    Administrative fee NA

    How to Apply for UOB Delight Credit Card?

    If you wish to apply for the UOB Delight Credit Card, you can visit the official UOB website in Singapore and place an online request by filling out the online credit card application form. You can also upload your supporting documents on the website – your identity documents, documents indicating proof of residence, proof of income, etc.

    Once done, a representative from UOB will get in touch with you to clarify details of your application and obtain any further details if they may be necessary. Your application will then be processed and will be approved if it meets the bank’s internal credit norms.

    Usually factors like your credit score and employment stability have an influence on your credit card application. Your credit score is perhaps the foremost aspect that banks consider while processing and reviewing your application. Making timely payments on loans and credit cards will leave you better placed in getting your credit applications approved.

    Eligibility Criteria for the Card

    • Minimum age: 21 years of age.
    • Minimum income:
      • Singaporeans & Permanent Residents: S$30,000 p.a.
      • Foreigners: S$40,000 p.a.  

    Documents Required

    Every applicant needs to submit certain documents while applying for the UOB credit card. Listed below are the documents that need to be submitted at the time of application:

    • Salaried individuals:

      Copy of NRIC, latest computerized payslips, CPF statement.

    • Self-employed individuals and individuals with varied income:

      Copy of your NRIC, CPF Statement obtained using your SingPass ID, latest computerized payslips.

    • Foreigners:

      Copy of Passport, proof of employment from employer, employment pass, latest computerized payslips.

    Overseas Transactions and Transactions in Foreign Currencies

    All foreign currency transactions or transactions performed using your UOB Delight Card will attract administrative charges and currency conversion charges. Administrative charges are levied by UOB while currency conversion charges are levied by the card association.

    In the case of the UOB Delight Credit Card, the administrative charges are 2.5% and currency conversion charges are 1% of the transaction amount. Transactions made in currencies other than USD are first converted to USD before they’re converted to SGD.

    Cash Withdrawals

    Cash withdrawals made using your UOB Delight Card will attract cash advance handling charges equivalent to 6% of the transaction amount. Also, an interest of 28% per annum, levied at a compounding rate on a daily basis will be charged for cash withdrawals.  

    Card Protection Schemes

    UOB offers cardholders with three options in order to protect their card:

    • Alerts- Every time a transaction is made on your card, receive an SMS alert stating the details of the transaction.
    • OTP- In order to protect your card when shopping online, UOB requires the cardholder to enter a one time password to authorise the transaction.
    • EMV Chip- UOB Delight credit card has the EMV chip that adds extra protection to your credit card.

    Interest Rates

    Currently interest rate of 29.5% is being charged on UOB Delight credit card. The interest rate may vary from time to time and it is advisable to contact the bank to avail the current rate of interest. In case the cardholder fails to make the minimum payment on the credit card, 3% of the monthly outstanding balance along with outstanding minimum payment amount plus the amount in excess of the credit limit or S$50 should be paid depending on whichever is higher.


    The cardholder is expected to make minimum monthly payments on the credit card. Listed below are the payment modes for UOB Delight credit card:

    • ATM- The payment can be made through savings account or current accounts or a DSB/POSB/OCBC debit/ATM card.
    • Phone banking/Internet banking- The payment can be made either through UOB phone banking or UOB Personal Internet Banking.
    • S.A.M Machines/ iNets/ Kiosks/ AXS-The payment can be made through any of the mentioned modes.
    • InterBank GIRO- Payment will be automatically deducted from the account.

    Reporting Lost/Stolen Cards

    If your credit card is lost or stolen, you will immediately need to report the incident to the bank immediately by contacting the UOB credit card hotline number 1800 222 2121. Your card will subsequently be blocked and further transactions will not be allowed to take place. The penalty for lost/stolen credit cards is S$100. The bank will investigate cases of fraud or negligence on the part of the customer and accordingly take further action.

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