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    UOB Delight Card for Cash Rebate

    The UOB Delight Credit Card is one that gives you rewards when you use it for buying groceries, daily essentials, and when you shop at some of the popular supermarket brands in Singapore. You can get a discount of 10% when you shop at Giant, Cold Storage, and Guardian, and buy products related to any of the more than 4,000 house brands. The card also gives you rebates of up to 8% at stores such as Market Place, Guardian, Jasons, Cold Storage, and Giant. Apart from this, you are also eligible to get a rebate of up to 3% when you pay recurring bills and also carry out contactless payment transactions. On all other spends, you get a rebate of 0.3%. The card also features dining promotions, travel privileges, and discounts and savings on petrol.

    Key Features

    Features Description
    Rebate on grocery Up to 8% SMART$ per S$1
    Rebate on contactless payments 3% SMART$ for every S$1
    Rebate on recurring bills 3% SMART$ per S$1
    Rebate on all other transactions 0.3% SMART$ per S$1
    Complimentary travel insurance Not available

    Get Rewarded by Your Favourite Brands

    Shopping at your favourite supermarkets just got a little more interesting. This card gives you SMART$ rebates of 8% when you use it to spend at least S$800 every month at your favourite brands such as Cold Storage, Jasons, Guardian, Market Place, and Giant. For monthly spends totalling amounts between S$400 and S$799, you will get SMART$ rebates of 3%. For monthly spends totalling less than S$400, the SMART$ rebates percentage is 0.3%.

    The maximum rebates you can accumulate per month is limited to 50 SMART$. Each 1 SMART$ is equal to S$1. This way, you can earn up to S$600 worth of rebates every year by using this card to shop for your daily essentials and groceries at these brands.

    UOB Delight Card

    Discounts on Retail Shopping

    The UOB Delight Credit Card helps you save 10% on your retail shopping bills at Giant, Cold Storage, and Guardian. The discount applies on more than 4,000 of the selected house brands at these outlets, on products related to health, beauty, and groceries.

    The discount does not apply to products that you buy online and also on promotional house brand products. Now save more on your daily purchases at these merchants by using this card to pay for them.

    Paying Recurring Bills Just Got More Rewarding

    Are you of the opinion that your monthly recurring bills are getting more and more expensive? Paying telco bills every month can become a tedious and boring responsibility. This card makes it rewarding by giving you SMART$ rebates of 3% when you pay these bills using this card on a regular basis.

    This reward also applies for recurring bills from Town Councils, United Overseas Insurance, SPH newspaper subscriptions, and Prudential Insurance, provided you spend at least S$400 every month.

    Apart from this, you also get SMART$ rebates of 3% on contactless payments made through this card, subject to a minimum spend of S$400 per month. These rebates are available on UOB Mighty Pay, NETS FlashPay Auto Top-ups for public buses, LRT/MRT, SMRT Taxis, Comfort and CityCab, among others.

    Savings with UOB Fuel Power Programmes

    Get savings of up to 20% when you fuel your vehicle with petrol from popular brands Shell and SPC. This reward is applicable at every outlet of Shell in the country. Driving your own car in Singapore just became that much cheaper.

    Additional Benefits

    • The list below shows the grocery stores eligible for the SMART$ rebates:
      1. Cold Storage
      2. Jasons
      3. Market Place
      4. Giant
      5. Guardian
    • Get up to 75% discount on hotel bookings worldwide.
    • Receive over 1,000 dining and entertainment privileges in Singapore.
    • Get 10% discount on selected house brands at Giant, Guardian and Cold Storage.
    • Get 5% rebate when you purchase or renew EQ insurance and United Overseas Insurance.
    • Enjoy making contactless payments through Apple Pay, UOB Mighty Pay, and Visa payWave.
    • Receive this card on the same day if you apply online and upload all your documents before 1:00 p.m.
    • Check out our UOB promotions page to know more about the available offers.

    Earning Rewards - How it Works

    • Spend at least S$800 per month to enjoy 8% SMART$ rebate at Market Place, Cold Storage, Giant and Guardian and Jasons.
    • Spend a minimum of S$400 each month to get 3% SMART$ rebate on grocery Market Place, Cold Storage, Giant and Guardian and Jasons.
    • Charge at least S$400 to your card in a month to earn the SMART$ rebates on contactless payments and recurring bills.
    • Get the rebate amount instantly when you spend at designated outlets like Cathay Cineplexes, World of Sports, Shell, and others.
    • The rebate is capped at 50 SMART$ per month for each cardholder.
    • The SMART$ rebates expire after six months of issuance.

    Calculate Cash Rebate from UOB Delight Card

    Say you’ve spent a total of S$1,000 in a month across different spend categories. According to the SMART$ Rebate Programme, 1 SMART$ is equal to S$1. Hence, the table below shows the amount of rebate you will get in a month:

    SMART$ Rebate monthly Spend SMART$ Rebate Rate SMART$ Rebate Amount
    Grocery S$300 8% S$24
    Recurring bills S$350 3% S$10.5
    Contactless retail spends S$250 3% S$7.5
    All other transactions S$100 0.3% S$0.30
    Total S$1,000 SMART$ rebate earned S$42.30

    Disclaimer: The aforementioned calculation is for illustration purpose alone. The actual earnings may vary.

    Redeem SMART$ Rebates

    You can redeem your SMART$ rebates at participating merchant outlets such as BreadTalk, Hard Rock Café, City Tours, bYSI, ColorWash, and others. These rebates can be used to offset your transactions at these stores.

    UOB Delight Card Interest Rate

    Type of Interest Charge
    Retail purchases 25.9% p.a.
    Cash advance 28% p.a.
    Instalment Payment Plan (IPP) 0%

    UOB Delight Card Fees & Charges

    Type of charge Charge
    Annual fee S$85.60 (waived for the first year)
    Overseas Transaction Fee 2.8% of the bill
    Over-limit fee S$40
    Late Payment Fee S$90 (for outstanding balance of S$50 and above)
    Supplementary card fee S$53.50 (waived for the first card)
    Cash Advance Fee 6% or S$15 of the amount, whichever is more

    Activating the Card for Overseas Use

    The magnetic stripe on the back of your credit card can be easily copied and read. Hence, it remains inactive for foreign use to prevent fraudulent transactions. Once you activate the stripe, your card will be ready to be used overseas. You can enable the magnetic stripe through the following ways:

    • Call the 24-hour hotline.
    • Go to the closest UOB ATM.
    • Visit any of the branches to activate your card.
    • Download the activation form and mail it to the bank.
    • Go to the bank’s website and click on ‘Overseas Card Use’, fill up the details, and submit.

    You can follow the same steps to deactivate the stripe on your card once you return to Singapore.

    Instalment Payment Plans

    Convert your big-ticket purchases of at least S$500 into interest-free, flexible, and affordable instalment payments with UOB’s SmartPay plan. Spread out your payments over 3 months, 6 months, and 12 months. You can apply for this plan by logging to your personal internet banking account, submitting an online form or sending an SMS.

    Interest Rates and Processing Fee

    Duration 3 Months 6 Months 12 Months
    One-time processing fee 3% 3% 5%
    EIR 18.18% p.a. 10.43% p.a. 9.5% p.a.
  • You will not earn UNI$ or SMART$ rebates on the transaction that you convert to SmartPay.
  • An administrative fee of S$100 will be levied upon cancellation of the plan or prepayment of the amount.
  • Cash Withdrawal on UOB Delight Card

    • Withdraw cash at any bank branch in Singapore.
    • Transfer cash from your card to any account through personal internet banking.
    • Withdraw cash from any UOB ATMs in Singapore and Cirrus/UOB/PLUS ATM when overseas.
    • The withdrawal amount is limited to 75% of your available credit limit.
    • The minimum and maximum amount that can be withdrawn per day is S$200 and S$3,000, respectively.

    Lost/Stolen Cards

    • You must notify the bank immediately by calling the customer support hotline.
    • File a report with the police and submit the same to the bank.
    • The bank will immediately block your card in case it is lost/stolen/misused.
    • In case of fraudulent activities, your liability towards the bank is capped at S$100.
    • You must also prove to the bank that the theft/loss/misuse was not a result of your negligence or involvement.
    Each credit card is designed for each category. You can visit our dedicated page to choose the best from 7 types of credit cards and compare them to reach a final decision. We tell you the features, benefits, fees and charges, and everything else you need to know about cards in Singapore.
    Credit Card Tips


    UOB Delight Card UOB One Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Who use card often for petrol What You Get: Up to 24% savings on petrol
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    HSBC's Revolution Credit Card HSBC's Revolution Credit Card
    Annual Fee:S$160.50 (2-year waiver) Who Is It For: Who shop online & dine often What You Get: 5x Rewards points
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    Maybank Evibes Card Maybank eVibes Card
    Annual Fee:Free Who Is It For: Tertiary students What You Get: 1% rebate on all purchases
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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Set up GIRO Payments

    For UOB Delight Card payments (minimum or full), register for a GIRO arrangement by submitting the relevant form. For utility bill payments through credit card, register for the automatic Bill Pay Service. To disable the automatic payments, you must contact the bank.

    How to Apply for Live Fresh Student Card & Check the Application Status?

    Online Form/iBanking

    Online/internet banking/SMS:

    You can either apply online by filling up the form or log into your internet banking account. You could also walk into a nearest branch and apply for a card. Those who already have a UOB card can text 77862 for application. To check the status of your application, you could call the bank’s hotline.

    How to Check Balance?

    Mighty/Phone or Online Banking

    Know your balance through any of the following

    • Phone banking
    • Internet banking
    • Mighty mobile banking

    How Can the Bill Be Paid?

    ATM/iNETS/GIRO/SAM and Others

    Bill payment can be made in the following ways:

    • UOB ATM
    • iNETS Kiosk
    • AXS machines
    • SAM machines
    • Interbank GIRO
    • Phone banking
    • Internet banking
    • Payment by cheque or cash

    How Much is the Minimum Payment to Be Made on the Card?

    3% of the pending amount or S$50

    You must pay either 3% of the pending amount or S$50, whichever is more. Additionally, you must also pay other dues from previous bills. If you have used more than your credit limit, you must pay the charge for it.

    What Is the Grace Period?

    21 Days

    The grace period where you do not have to pay interest on transactions is 21 days. However, this is applicable only if you have paid your previous balance fully.

    Which Mobile Wallets Can This Card Be Used With?

    Apple Pay/PayNow/Samsung Pay/Android Pay/UOB Mighty

    This card can be used with the following mobile wallets:

    • PayNow
    • Apple Pay
    • Android Pay
    • UOB Mighty
    • Samsung Pay

    Can It Be Used With EZ-Link?


    Yes, you can link your UOB card to replenish the EZ-Link account automatically. To enjoy this service, you must download the form from UOB’s website, select the EZ-Link card you want to top up, and send the form to the Transit Link office.

    How to Block or Unblock SAFRA Card?

    Call 24-hour Hotline

    Call the hotline of the bank to block/unblock the credit card?

    How to Reset the PIN?

    Fill the PIN change form

    To reset the PIN, you must fill the form which is available on the site and send it to the bank.

    What Is the Billing Cycle and Bill Due Date?

    Find it on the monthly bill

    Your billing cycle will start from the date your card is approved, and hence it varies from person to person.You can find the due date on the monthly statement that you receive.

    How to Get a Replacement Card?

    Submit the replacement card form

    To request for replacing your card, you must download the form, fill it and mail it to UOB.

    How to Temporarily Increase the Limit of Your Card?

    Contact the bank

    The bank allows a temporary increase in your credit limit for certain purposes like wedding/travel, medical/hospitalisation/funeral arrangements. To request for a temporary increase in your credit limit, call the bank.

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