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  • UOB YOLO Card for Cash Rebates on Dining
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    UOB YOLO Card for Cash Rebates on Dining

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    UOB YOLO Card is targeted at youngsters and it got its name after the commonly used saying ‘You Only Live Once’. This card offers cash rebates in different categories such as dining, entertainment, online fashion and more. Here is a list of features of the card:

    Card Highlights
    • Cash rebate of up to 12% on entertainment, Grab rides and dining for new cardmembers and up to 8% for existing cardmembers.
    • Cash rebate of up to 3% on online fashion and travel.
    • Cash rebate of up to 3% on Grab rides on weekdays and 8% on weekends.

    Best suited to: People who often like to eat out, use taxis to move around, shop online and watch movies in theatres.

    Key Features

    Features Description
    Annual fee S$192.60 (first year fee waiver)
    Cash rebate on dining Up to 12% on weekday and weekend
    Cash rebate on online shopping (fashion) Up to 3%
    Cash rebate on entertainment 3% on weekday 8% on weekend
    Cash rebate on Grab rides 3% on weekday 8% on weekend
    Cash rebate on online travel 3%
    Cash rebate on all other spends 0.3%

    UOB YOLO Joining Perk

    Apply for this card before 30 June 2018 and enjoy a cash rebate of up to 12% on Grab rides, dining and entertainment for the first three months, as part of the Bonus Rebate Everyday Promotion.

    T&C:

    • 12% rebate will be applicable for the first three months after signing up. After that, you will continue earning cash rebate up to 8% throughout the week.
    • To be eligible for this bonus rebate, new cardmembers must spend at least S$600 per month on their card.

    Additional Benefits

    • Enjoy promotional offers with this card as well as the supplementary card.
    • Get interest rate of up to 3.33% p.a. on the UOB One account.
    • Enjoy exclusive perks at restaurants in Singapore as part of YOLO Eat!.
    • Enjoy discounts of up to 13% with this card when you book your hotel stay through travel portals such as Agoda, Expedia and more.
    • Dine and pay with your mobile phone by digitising your YOLO Card.
    • This card is auto-enrolled for estatements. Your card statements are archived for five years.

    YOLO Card Rewards

    Spend a minimum of S$600 per month to earn bonus rebates in the following ways:

    • Dining, Grab rides and entertainment related spends will earn 3% rebate on weekdays and 8% rebate on weekends. New cardmembers will earn 12% rebate on all days for the first 3 months.
    • Online transactions related to fashion and travel will earn 3% rebate.
    • All other eligible spends will earn 0.3% rebate.
    • Cash rebate is capped at S$60 per statement cycle.

    If you fail to meet the minimum spend requirement, you will earn a flat rebate of 0.3% on all transactions.

    Let Us Illustrate:

    If you are a new YOLO Cardmember and have spent S$400 on weekend dining and entertainment and S$150 on weekday dining and entertainment, S$90 on weekend Grab rides and S$50 on weekday Grab rides, S$500 on travel and online shopping and S$300 on all other spends in the past month, the bonus rebate percentages (applicable for the first three months) and the amount that you will get will be as shown in the table below:

    Category Spend Prevailing UOB YOLO rebate earned Amount Rebate Rate Rebate Amount
    Dining & Entertainment (weekend) S$400 8% S$32 4% S$16
    Grab rides (weekend) S$90 8% S$7.2 4% S$3.6
    Dining & Entertainment (weekday) S$150 3% S$4.5 9% S$13.5
    Grab rides (weekday) S$50 3% S$1.5 9% S$4.5
    Online Travel/Fashion S$500 3% S$15    
    All other spend S$300 0.3% S$0.9    
    Total S$1,490 Cash rebate earned S$61.1   S$37.6
    Total cash rebate credited will be S$60 due to the rebate cap applicable per statement cycle.

    Redeem Cash Rebates with YOLO Card

    The cash rebate that you earn each month with your UOB YOLO Card will be credited to your account by the following statement month. Cash rebate earned by the principal as well as the supplementary cardmember will be accumulated and used to offset future transactions on the principal card

    Interest Rate

    Type of Interest Charge
    Retail Purchases 25.9% p.a.
    Cash Advance 28% p.a.
    Instalment Payment Plan 0%

    Fees & Charges

    Type of charge Charge
    Overseas Transaction Fee 2.8%
    Late Payment Fee S$90
    Over limit Fee S$40
    Cash Advance Fee 6% of the withdrawn amount subject to a fee of at least S$15
    Supplementary Card Fee S$96.30 for the second supplementary card (1st supplementary card is free)

    Activating the Card for Overseas Use

    Yes, you will have to activate your card if you want to use it abroad. The card’s magnetic strip must be enabled to get access to ATMs and to make other transactions. You will have to follow the steps mentioned below:

    • Go to the bank website.
    • Click on ‘Overseas card use’.
    • Fill in the card details and finish the process of activation.

    You can also adopt the following methods to activate your card:

    • Visit the nearest branch of UOB.
    • Download and send the activation form to the bank.
    • Contact the bank using the hotline number.
    • Visit any UOB ATM.

    Instalment Payment Plans

    The UOB YOLO Card offers the following instalment payment methods:

    • 0% instalment payment plan
    • SmartPay

    With UOB SmartPay, you can convert your purchases greater than S$500 into low-interest instalment plans. The payment can be made within 3, 6 or 12 months. A fixed payment has to be made each month for each SmartPay transaction. A one-time processing fee between 3% and 5% will be applicable.

    Note, you will not be eligible for cash rebates when you convert your payments to SmartPay or IPP.

    Cash Withdrawal on UOB YOLO Card

    You can withdraw a minimum of S$200 and a maximum of S$3,000 per day using your credit card.

    Eligible

    Before applying for this card, make sure you are eligible for it. You check visit the UOB credit cards page to find out your eligibility.

    Lost/Stolen Cards

    If your card is stolen/lost or the PIN is no longer safe, your liability will only be limited to S$100, subject to the condition that you have not committed any fraud and have not been negligent in the use of the card. You will have to take the following steps once you realise that your card is missing:

    • Intimate the bank of the theft or loss of your card.
    • Follow all the necessary steps to find your card or stop its abuse.
    • File a police complaint and submit the report to the bank.
    Wondering how many cards are there in Singapore and which one would suit your needs the best? If you’re looking for a useful resource about credit cards, visit our site, compare the 120+ cards available in Singapore, and find the right one for yourself.
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    What Else Do I Need to Know UOB YOLO Card?

    How to Enable/Disable Auto Debit & Standing Instructions?

    GIRO arrangement

    If you want your credit card bills to be paid without your intervention, set up a GIRO arrangement by filling and submitting the interbank GIRO form. For other bills linked to your card, enrol into the UOB Bill Pay Service.

    Based on the approval, the standing instructions will be issued. You can disable this facility by contacting the concerned billing organisation or the bank.

    How to Apply for the Card & Check the Application Status?

    SMS/internet banking/online

    You can apply for this card in one of the following ways:

    • Existing UOB cardholders can send an SMS to 77862.
    • Existing UOB customers can apply through Internet Banking.
    • All new and existing customers can apply online through the bank’s site, or by going to a branch in Singapore.

    To find details regarding your application status, you can call at the Customer Service number.

    How to Check Balance?

    Phone/online/mobile banking

    You one of the below-mentioned ways to check your card dues:

    • Phone Banking
    • Internet Banking
    • UOB Mighty Mobile Banking

    How Can the Bill Be Paid?

    ATM/AXS/iNETS/GIRO and Others

    Use of these ways to pay your card’s bill every month:

    • UOB ATMs
    • AXS stations
    • iNETS Kiosk
    • Through cash
    • Using cheque
    • Interbank GIRO
    • Phone Banking
    • S.A.M Machines
    • Internet Banking

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

    3% of the bill or S$50

    You have to pay at least 3% of the monthly balance, along with any overdue sum, subject to a minimum fee of S$50.

    What Is the Grace Period?

    21 days

    The interest-free period extends up to 21 days, given that you have cleared all outstanding amount in full. This is usually calculated starting from the date of statement generation.

    Which Mobile Wallets Can This Card Be Used With?

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

    The following mobile wallets can be linked to your UOB YOLO Card to make contactless payments:

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

    Can It Be Used With EZ-Link?

    Yes

    EZ-Link service is available for your credit card. To activate this facility, download the form online, fill it, and submit it to the Transit Link office.

    How to Block or Unblock the Card?

    Call the bank’s hotline

    You can call at the Customer Service hotline to request blocking of your credit card. You can call at the same number to unblock your card.

    How to Reset the PIN?

    Fill the relevant form

    The bank provides a Replacement of Credit/Debit Card and PIN form through its website. You have to download, fill, and submit this form to the bank to opt for a PIN reset. Based on approval of this request, the new PIN will be directly mailed to your address.

    What Is the Billing Cycle and the Bill Due Date?

    Check the card statement every month

    Your billing cycle and bill due date is usually indicated in your credit card statement. The cycle is calculated every month, based on the number of working days for the month under consideration.

    How to Get a Replacement Card?

    Submit the card replacement form

    You have to download, fill, and submit the Replacement of Credit/Debit Card and PIN form available online to opt for a credit card replacement. The new card will be sent directly to your mailing address.

    How to Temporarily Increase the Limit of the Card?

    Contact the bank

    To request a temporary increase of your credit card limit, you can directly get in touch with the bank through the dedicated number. The bank will approve such a request only for the reasons listed below:

    • Medical
    • Hospitalisation and compassionate purposes
    • Weddings
    • Overseas travel
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