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    UOB One Card for Cash Rebate

    UOB terms the UOB One Card as “the most generous rebate card”. While this may seem contentious, we definitely won’t argue with the fact that it does give you a wide range of rewards. You are eligible to get rebates of up to 5% on all transactions, to get up to 3.88% interest per annum on your UOB One Account, and to get SMART$ rebates as well. Apart from this, the card also gives you welcome offers from time to time when you apply for it and your application gets approved. You can also have access to about a million S$1 deals across various categories where you can save money. These deals vary from time to time. This credit card gives you ways to save money on your fuel expenses, allows you to travel in peace when you go on holiday or on a business trip, and also opens up a world of offers on dining, hotel stays, and shopping. Want to know where to eat your next meal? Make use of the Dining Advisor facility to get the latest reviews of the newest places in town.

    Key Features

    Feature Description
    Cashback on all spends for transactions up to S$2,000 3.33%
    Cashback on all spends for transactions of S$2,000 or more 5%
    Cashback on grocery Additional 0.3% SMART$ rebate
    Cashback on petrol Up to 20.8% off at Shell and 24% off at SPC
    Complimentary travel insurance N/A

    Reap More Rewards With 5% Rebates on All Spends

    What if we were to tell you that you can get rewards on almost every purchase you make? That exactly what this card gives you at rates of up to 5% as rebates on your transactions. The maximum rebate rate of 5% will be given only if you spend at least S$2,000 every month per quarter with through at least 5 transactions every month. This way you can earn S$300 in rebates every quarter. If you spend only S$500 or S$1,000 every month for each quarter in a minimum of 5 transactions, you will get a rebate rate of 3.33%. This will help you get S$50 and S$100 as rebates for the spends of S$500 and S$1,000 respectively.

    3.88% p.a. Interest on the UOB One Account

    You can earn this rate of interest (3.88%) by depositing S$75,000 into the UOB One Account. The other criteria that are required for you to get this interest rate include spending 500 Singapore dollars on the UOB One Card and also crediting your salary to this account or performing a minimum of 3 GIRO transactions each month.

    Additional Rebate With UOB SMART$ Rebate Programme

    The UOB SMART$ rebate programme gives you additional rebates up to 10 % SMART$ when you make various transactions. You can accumulate these SMART$ and redeem them on your very next purchase or future purchases to get discounts on your purchase bills. For example, you can get 3% rebates at BreadTalk, 7% rebates at Shell, and 10% rebates at City Tours.

    Get up to S$150 Cash Credit

    Do you want to get your hands on some free cash credit? As ridiculous as that sounds, that exactly what you get with this card. When you apply for it and the bank approves your application, you get a cash credit of 150 Singapore dollars (S$100 for the card + S$50 for a UOB One Account) as a welcome gift. This offer is available only to the first 200 new applicants whose applications get approved. Additionally, these qualifying applicants must also spend at least S$1,000 within one month of the card getting approved. This welcome offer is available only till 23 January 2019.

    Additional benefits

    • Annual fee: Get an annual fee waiver on the principal card for the first year. Get a waiver on subsequent years by spending S$12,000 annually.
    • Pay via Mobile: Make payments conveniently through Android Pay, Apple Pay, UOB MIGHTY and Samsung Pay.
    • Contactless payment: Checkout faster with Visa payWave at many outlets including Starbucks, Subway, Watsons, Cold Storage, and Guardian, among others.
    • UOB Privileges Passport: Get a discount of up to 30% on various categories like shopping, travel, and dining, in addition to special privileges at airports when you travel to places such as Bali, Japan, Australia, Hong Kong, and Thailand.
    • Higher interest on deposits: Get an interest of up to 3.33% per year on your deposits if you have a UOB savings account.
    • SMART$: Get SMART$ in addition to the cash rebate. Use these rebates to offset your next purchase.
    • Promotions: Enjoy various promotions from time to time on your card. Visit our site for more details.

    Earning Rebates

    There are two reward programmes offered on the UOB One Card – the cash rebates and the UOB SMART$ rebates. The details of these programmes are given below:

    Quarterly Cash Rebate programme:

    • The Quarterly Cash Rebate is awarded in tiers, which are determined according to the amount you spend.
      • Spend between S$500 and S$999 per month to qualify for tier 1.
      • Spend between S$1,000 and S$1,999 per month to qualify for tier 2.
      • Spend S$2,000 or more to qualify for tier 3.
    • Get a cashback of up to S$50, S$100 and S$300 every quarter for tier 1, tier 2, and tier 3 respectively.
    • Make at least 5 transactions in a month to earn the rebates.
    • You can earn rebates only if you meet the qualifying spend parameter every month in a quarter. The total rebates earned will be credited to your account at the end of the quarter.
    • Get rebates in the following order ONLY for the first quarter of the year after you get your card:
      • One-third of the rebate amount for spending the required amount in one out of three months.
      • Two-third of the rebate amount for spending the required amount in two out of three months.
    • Exchange of Quarterly Cash Rebate for gifts or cash isn’t allowed. This offer can’t be clubbed with any other offer.
    • The validity of the Quarterly Cash Rebate is two years from the time the rebate was credited.

    UOB SMART$ Rebate programme:

    • Get SMART$ rebates at participating merchants such as BreadTalk, Market Place and Shell.
    • Earn SMART$ rebates across the following categories:
      • Groceries
      • Dining
      • Shopping
      • Wellness
      • Petrol
    • SMART$ rebates earned can be used to offset the purchases made at these places.
    • SMART$ rebates are dependent on how much discount the merchant is giving. For example, if Cold Storage is giving 2% SMART$ rebate, then what you earn as SMART$ is 2% of the amount you spend at the store. If you spend S$500, you’ll get a SMART$ rebate worth S$10. [SMART$1=S$1]
    • The SMART$ rebates earned on principal and supplementary cards are treated separately and cannot be combined to offset a purchase.
    • SMART$ are valid for six months from their date of issue.

    The following table shows the percentage of SMART$ rebate you earn at different participating merchants:

    Name of outlet Percentage of rebate
    City Tours 10%
    Shell 7%
    BreadTalk 3%
    United Overseas Insurance 5%
    AirAsia 1%
    Cathay Cineplexes 2%
    Cold Storage, Market Place, Jasons, Giant, Guardian 0.3%
    Metro 2%

    Calculate Cash Rebate from UOB One Card

    Let us consider an example for better understanding. Suppose you spend the following amounts under various categories in a span of 3 months. The cash rebates you earn are:

    Spend categories Monthly spend Cash rebate rate Cash rebate amount
    Month 1 S$1,200 3.33% S$39.96
    Month 2 S$1,050 3.33% S$34.97
    Month 3 S$1,280 3.33% S$42.62
    Total S$3,530   S$100 (the maximum you can earn)

    Redeeming your Earned Cash Rebate

    • Quarterly Cash Rebate earned can be used to offset your expenses in the following quarter. It could be used to pay for a part of your bill or annual fee of the card, or any other related card payment.
    • No rebates can be earned on payments made to any government agency or religious community. Rebates won’t be offered on utility bill payments also.
    • SMART$ rebates can be redeemed during your next purchase at any partner merchant. The transaction amount should be higher than the SMART$ rebates accumulated in your account.

    UOB One Card Interest rates

    Type of Interest Charge
    Retail Purchases 25.9% p.a.
    Cash Advance 28% p.a.
    Instalment Payment Plan 0% interest when you apply for a 6-month or 12-month plan.

    UOB One Card Fee and Charges

    Type of fee Charge
    Annual Fee S$192.60 (First-year fee waived)
    Overseas Transaction Fee 3.25% of the transacted amount
    Late Payment Fee S$90
    Over limit Fee S$40
    Cash Advance Fee 6% of the sum (minimum of S$15)
    Supplementary Card Fee S$96.30 for the second card. The first card is free.

    Activating the card for overseas expenses

    Yes, you need to activate the magnetic stripe on the back of your card if you are travelling overseas and mean to use it for retail transactions. You can activate it by doing any one of the following:

    • Visit any nearest UOB branch.
    • Download the activation form from the UOB website, fill it up, and submit it.
    • Call the UOB customer helpline.
    • Visit the nearest UOB ATM.

    Instalment Payment Plans Available

    • Convert purchases into small monthly instalments with UOB SmartPay, a 0% instalment payment plan (IPP).
    • The tenures over which you can split the purchases are: 3 months, 6 months and 1 year.

    The terms and conditions of the instalment payment plan are:

    • Interest won’t be charged only if you pay the monthly instalments on time.
    • A one-time processing fee will be levied. It is:
      • 3% for 3- and 6-month plans.
      • 5% on the 12-month plan.
    • The effective interest rate is:
      • 18.18% p.a. for the 3-month tenure.
      • 10.43% p.a. for the 6-month tenure.
      • 9.5% p.a. for the 12-month tenure.
    • You have to pay S$100 as administrative fee if you cancel or terminate your credit card. Any dues will also have to be settled.
    • It is fully up to the bank’s discretion to decide whether to allow transfer of instalment payment funds from one account to another.

    Cash Withdrawal on the Credit Card

    • You can withdraw up to 75% of your available credit limit.
    • The minimum amount that can be withdrawn via ATM, SMS or Phone Banking is S$200 a day.
    • The maximum that can be withdrawn is S$3,000 from a UOB ATM.
    • Interest will be charged from the day of transaction to the day of full settlement.

    Eligibility Criteria

    It is best to be aware of the bank’s eligibility parameters for this card before you apply for one. These details can be found here.

    Lost/Stolen cards

    • Immediately inform the bank about the incident by calling the bank’s hotline.
    • File a police report and submit a copy of the same to the bank, if needed.Additionally, the loss/theft should not out of your negligence.
    • Liability for unauthorised transactions on your card will be limited to S$100, provided:
      • You have reported the incident to the bank within a reasonable period from the date of incident.
      • Your non-involvement in the fraud has been established.
      • The bank’s independent investigation has proven that you weren’t grossly negligent while handling your card.
      • You have cooperated with the bank throughout the investigation.

    A credit card is not just a debt instrument; you can save money and enjoy various perks if you use it right. In order to make the most of your card, you must always keep an eye on the latest credit card offers.

    Credit Card Tips


    UOB YOLO Credit Card UOB YOLO Credit Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Who love dining out What You Get: Up to 8% rebate on dining
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    BOC F1RST Card BOC F1RST Card
    Annual Fee: S$190 (2-year waiver) Who Is It For: Students What You Get: 0.5% rebate on all purchases
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    POSB Everyday Card POSB Everyday Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Who use card for daily spends What You Get: Up to 6% cash rebate
    Show Me Details

    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Bill Pay Service, GIRO

    If you are looking for card bill payment (either complete payment or the minimum required), then you should submit the GIRO form. You’ll find the form on the bank’s site.

    To consolidate all your monthly bills into your credit card, register for the automatic Bill Pay Service. Download the payment consent form from the website, fill it, and mail or fax it to the bank.

    How to Apply for the Card & Check the Application Status

    SMS/online form/online banking

    To apply for this card, you can do any of the following:

    • Send an SMS if you already have a UOB credit card.
    • Fill up the online form and submit it along with the required documents if you’re a new customer or foreign national.
    • Log in to your internet banking account if you are an existing UOB customer.

    If you want, you could also visit your nearest UOB bank branch. Call the bank’s customer service hotline to track your application status.

    How to Check Balance

    Online, mobile or phone banking

    To see what your current card usage is, use:

    • Phone banking
    • Online banking
    • Mighty mobile banking

    How Can the Bill Be Paid?

    GRIO/Phone banking/ATM/internet banking and others

    Your bill payment options are:

    • iNETS Kiosk
    • AXS machines
    • SAM machines
    • Any UOB ATM
    • Cash payment
    • Phone banking
    • Interbank GIRO
    • Internet banking
    • Cheque payment

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

    3% of pending bill

    Your monthly payment liability is at least 3% of the current bill – a minimum of S$50. Any amount due from the previous billing cycle and any amount exceeding your approved credit limit must also be paid.

    What Is the Grace Period?

    21 days

    You won’t have to pay any interest on purchases for 21 days if you pay the previous outstanding balance in full.

    Which Mobile Wallets Can This Be Used With?

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

    You can link your credit card to the following mobile wallets:

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

    Can It Be Used With EZ-Link?


    When funds are low, your credit card will top up the EZ-Link card automatically. Download the form from the bank’s website, select the EZ-Link card you want to top up, and sent it to the Transit Link office.

    How to Block or Unblock the Card

    Call the 24-hour hotline

    You can get in touch with the bank by calling the 24-hour customer service hotline to stop or resume services on your UOB credit card.

    How to Reset the PIN

    Fill and mail form to bank

    If you want to replace your PIN, you can do the following:

    • You can download the related form from the bank’s website
    • Write the relevant details
    • Mail the completed form to the bank

    What Is the Billing Cycle and the Bill Due Date?

    Can be found in your bill

    Each customer may have a different billing cycle. Generally, you will get your statement of accounts every month. The billing cycle starts from the date your card was approved. The due date will be mentioned in your statement. You must pay on/before this due date to avoid late payment penalties.

    How to Get a Replacement Card

    Through a form

    To request for a card replacement, you can:

    • Download the form.
    • Fill up with relevant details.
    • Mail it to the bank.

    How to Temporarily Increase the Limit of the Card

    Contact UOB

    You can request for a temporary increase in your credit limit by calling the bank. This feature is applicable only for travel and wedding, medical or hospitalisation purposes, and funeral arrangements.

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