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    UOB One Card for Cash Rebate: Yet to Get Reviews

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    Among the many credit cards offered by UOB, this card is projected as “the most generous rebate card”. Its important features are:

    • A rebate of 3.33% to 5% depending on the amount you spend in a quarter.
    • Up to 3.33% interest per year on the linked UOB One Account.
    • SMART$ rebate programme.
    • Rebates are capped at S$300 per quarter on monthly spends of S$2,000 or more.

    Best suited to: Those who want to save money on daily essentials (including recurring bills) as well as for people whose expenses are spread over various categories.

    Key Features

    Feature Description
    Annual Fee S$192.60 (First-year fee waived)
    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

    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%

    Let Us Illustrate:

    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.

    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.

    Other Fee and Charges

    Type of fee Charge
    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

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    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?

    Yes

    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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