• Credit Card BYTES FROM OUR KITCHEN

    UOB One Credit Card

    UOB One Card Singapore Overview

    The UOB One card is among the more sought after credit cards from UOB. This credit card offers a range of benefits to the cardholder that go beyond providing simple cash rebates. With the UOB One card, cardholders can also enjoy a preferential deposit interest rate on their UOB One account as well as enjoy petrol savings. This card makes for a great companion on everyday needs.

    UOB One Credit Card Review

    The UOB One Card is a cashback credit card that gives you 5% cash rebate on all transactions made through your credit card if you spend at least S$2,000 per month. The maximum cashback you can get is S$300 per quarter. If your monthly spend is S$1,000 to S$1,999.99, you will earn 3.33% cashback, capped at S$100 per quarter. If you spend only S$500 to S$999.99 per month, then you will earn 3.33% cashback with a maximum of S$50 for the quarter. You need to make at least 5 transactions every month (irrespective of the maximum amount to be spent) to get this cashback.

    On top of this, you get a discount of up to 20.8% at Shell and 24% at SPC petrol stations. This definitely is one of the best in petrol savings that any card in Singapore gives.

    UOB claims that its One Card gives the most generous rebate in Singapore. This may not be very true as its cashback limits very big, and the minimum spending requirement is high. However, this is a good card to have if you also have a UOB One Account, because if you spend just S$500 per month on your credit card, the One Account will earn higher interest, of up to 3.33% p.a.

    UOB One Credit Card Promotion

    The following are the promotions that the cardholders of UOB One Card can use:

    • Buona Terra
      • Get a discount of 10% on your total food bill at Buona Terra with your UOB One Card.
      • The promotional offer is valid till 31 October 2017.
    • El Mero Mero
      • Use your UOB One Card at El Mero Mero, Singapore and enjoy 10% off on your total food bill.
      • The dining promotional offer is valid till 30 October 2017.
    • IKYU
      • Use your UOB Credit Card at IKYU, Singapore, and enjoy 10% discount on your total bill.
      • The offer is valid till 31 October 2017.
    • Hertz Car Rentals
      • Get 10% off when you use your UOB One Card to pay for car rentals at Hertz.
      • Use the PROMO Code CDP# 2095007 to enjoy the offer. The promotional offer is valid till 31 December 2017.
    • Roomorama
      • Enjoy discounts of 8% on Roomorama villas and apartments across the globe with your UOB One Card.
      • The offer is valid till 30 April 2018 for bookings to be made before 31 December 2017.
    • Agoda.com
      • Enjoy incredible discounts of up to 75% on select hotel bookings. Also, enjoy an additional discount of up to 8% with your UOB One Card.
      • The promotional offer is valid on stays in the period between July 2017 and June 2018.

    Benefits of UOB One Card

    • Cardholders can earn cash rebates of up to 5% on all expenses charged to the card inclusive of recurring utility bill payments.
    • Cardholders need to meet minimum spend criteria of either S$500, S$1000 or S$2000 every month for 3 months in a row and make at least 3 purchases every month.
    • If spend criteria amounts to S$500 or more every month for three consecutive months with each month having at least three purchases, cardholders receive a cash rebate of S$50.
    • If spend criteria amounts to S$1000 or more every month for three consecutive months with each month having at least three purchases, cardholders receive a cash rebate of S$100.
    • If spend criteria amounts to S$2000 or more every month for three consecutive months with each month having at least three purchases, cardholders receive a cash rebate of S$300.
    • UOB One card also gives cardholders the benefits of UOB Fuel power which offers great petrol savings at over 98 petrol stations across Singapore.
    • Provided the minimum spend per month for three months is S$2000 and three purchases are made every month, cardholders can earn a 5% cash rebate and a 7% SMART$ rebate on petrol expenses incurred at Shell petrol stations along with a Shell Station Discount and Shell Escape card discount bringing the total savings up to 20.8%
    • Cardholders can enjoy an SPC&U card discount coupled with a UOB Credit Card discount and a UOB One card rebate of 5% if minimum spend criteria is met to bring the total savings on petrol expenses at SPC stations to 24%
    • UOB One cardholders can earn SMART$ on every expense charged to the card which can be used for instant rebates of up to 10% at The Coffee Bean & Tea Leaf.
    • Instant SMART$ rebates can also be used for rebates of up to 5% at United Overseas Insurance, up to 3% at BreadTalk, EpiCentre and Sephora, up to 2% at Cathay Cineplexes, Metro and World of Sports.
    • The card is also equipped with contactless technology. Cardholders can use Visa PayWave or use the card through Apple Pay at over 10,000 participating merchant outlets.
    • Cardholders can also enjoy a maximum effective interest rate of 1.6% on deposits of S$50,000 in their UOB One Account provided they meet the spend criteria of S$500 in each calendar month and the maximum effective interest is 2.43% for deposits of S$50,000 in their UOB One Account provided they meet the spend criteria of S$500 in each calendar month and credit a minimum salary of S$2000 every month or perform 3 GIRO debits each month.

    Fee and charges

    Type of fee Amount payable
    Annual fee S$214 for primary credit card, waived for the first year.
    Supplementary card fee S$107 for supplementary card, waived for the first year.
    Interest rate 25.9% per annum
    Late payment charges S$60 if minimum monthly payment is not made in time
    Cash advance fee S$15 or 6% of the amount withdrawn, whichever is higher
    Administrative fee NA

    Transactions in foreign currencies

    Foreign currency transactions carried out through Visa, MasterCard, JCB International or China UnionPay credit cards attract a foreign currency transaction fee which amounts to 2.5% of the transaction amount.

    For those transactions carried out overseas but effected in Singaporean Dollars, there is an international processing fee of 0.8% of the transaction amount for transactions carried out through Visa (Will be 1% with effect from 22nd November 2016) and 1% of the transaction amount for MasterCard transactions.

    How to apply for UOB One Card

    Applying for the UOB One card can be done offline by visiting the nearest branch or online through their website. Completed applications submitted along with the necessary documents before 1 PM Mondays through Fridays will be eligible for same day delivery except for public holidays.

    Eligibility Criteria for UOB One Card

    • Singaporean Nationals, Permanent Residents and even Foreigners having an employment pass valid for at least 6 months are eligible to apply for this card.
    • Primary cardholder must have attained the age of 21 years.
    • A minimum annual income of S$50,000 is required to avail this card.
    • Applicants can also use a Fixed Deposit collateral that has a minimum sum of S$20,000

    Documents required

    Applicants need to submit the following documents at the time of application.

    For Salaried Applicants

    • Front and back photocopy of NRIC.
    • The latest 3 months payslips
    • CPF statement for the past 12 months.
    • The latest Tax assessment notification.

    For Applicants with Variable income/Commission Based Income

    • Front and back photocopy of NRIC
    • CPF statement for the past 12 months.
    • Income tax assessment notice dating back at least 2 years.

    For Self-employed Applicants

    • Front and back photocopy of NRIC.
    • Income tax assessment notice dating back at least 2 years.

    For Foreign Applicants

    • Photocopy of the passport
    • Photocopy of employment permit that is valid for at least 6 months.
    • Current billing address proof in the form of telephone bills or utility bills.

    Interest on UOB One Card

    The UOB One card charges an interest rate of 25.9% per annum which is calculated on a daily basis from the date of transaction. The card also charges an additional interest of 3% per annum on all outstanding balances on top of the prevailing interest rate. Cash advances have an interest rate of 28% per annum calculated on a daily basis starting from the date the advance was made till the outstanding balance has been paid in full. Interest rates are subject to change as per the discretion of the bank and cardholders are advised to reach out to the bank to check prevailing rates of interest.

    Repayments

    A minimum monthly repayment of 3% of the current balance or S$50, whichever is higher should be made and failure to do so within the prescribed date will lead to a late payment penalty of S$60.

    Lost/stolen card liability

    The UOB One Card as with all other UOB Credit cards have a Card Secure Plan underwritten by Chubb Insurance Singapore Limited which offers an individual policy for a premium of S$52.43 and a family policy for a premium of S$93.63 applicable to a maximum of 5 persons. When the card is reported stolen, cardholders can get up to S$3000 in fraud protection, up to S$1000 to reimburse cost of communication and acquiring replacements of identity cards, passports or driving licenses and can even avail emergency cash advances of S$1500 and emergency hotel bill advances of S$4000.

    Reporting lost/stolen Credit Cards

    Cardholders can call on the toll-free UOB credit card hotline helpline at 1800 222 2121 which is available 24 hours a day to report their lost or stolen cards. Cardholders are advised to report the loss or theft of the card immediately or upon discovery of the fact.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.