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    UOB Credit Card

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    UOB Credit Card

    Credit Card BYTES FROM OUR KITCHEN

    UOB Singapore Credit Cards

    United Overseas Bank Limited (UOB) offers a wide range of credit card products that are accepted in millions of establishments worldwide in association with MasterCard, Visa & American Express. A slew of features and benefits compliment the products in the credit card portfolio to match the lifestyle needs of the discerning customer. From co-branded cards to exclusive cards for women, UOB offers an array of exclusive cards for various classes of customers.

    Why choose an UOB Card?

    UOB Credit Cards come with an amazing array of benefits that delight the customers. Cash rebates, exclusive offers at premium stores, annual fee waivers and other lifestyle privileges are some of the advantages of using an UOB credit card. Cardholders can make every purchase more rewarding and also gain savings on fuel bills.

    Features and Benefits of UOB Credit Cards

    1. UOB Reward Card offer several credit cards for women customers that offers enviable lifestyle deals like complimentary monthly spa treatment and unlimited makeovers at premium salons.
    2. Rewards cards also award UNI$ on every purchase which can be used to avail discounts and exclusive deals from a wide range of partner merchant stores.
    3. Travel personal insurance, overseas purchase protection, travel inconvenience charges and other plans that accompany select UOB cards will let you travel in peace.
    4. Platinum card holders get access to benefits like UOB international assist, emergency card replacement, American Express Travel Services and other premium services.
    5. Customers also get to enjoy special dining and lifestyle deals along with UOB privileges all-round the year from over 1000 merchants in Singapore with select cards like the Preferred Platinum Visa Card.
    6. UOB credit cards are internationally accepted and widely recognized over the world. Cardholders also have access to MasterCard and Visa benefits accordingly.

    UOB Credit Card Eligibility

    • To apply for an UOB credit card, the following is the eligibility criteria.
    • The applicant should be a Singaporean or a permanent resident of Singapore.
    • The applicant should be at least 21 years of age.
    • The annual income criteria varies depending on the type of the card.

    UOB Credit Cards Documents Required

    • Applicants will be asked to submit a proof of income and identity proof in addition to a completely filled application form.
    • Applicants will be asked to submit documents like latest payslips, income tax notice of assessment, employment certificate, CPF statement of account etc.
    • A copy of NRIC, front & back, will be asked for.
    • Non-permanent residents will be asked for employment pass, student ID and passport.
    • Kindly contact UOB for a complete list of documents required when applying for a specific card.

    Credit Cards Offered by UOB

    United Overseas Bank offers the following cards, each specially crafted to suit different needs of the customer.

    1. UOB YOLO - With your UOB YOLO card, you can enjoy a host of attentive benefits in Singapore. The card enables you to get access to the best clubs and restaurants in Singapore. Dining, Entertainment, Online Shopping - the card serves you manifold purposes. The card also provides cash rebate and attractive travel benefits. The minimum age of an applicant needs to 21 years to apply for this card. The citizens of Singapore can apply for this card with a minimum annual income of annual income S$30K or a fixed deposit of minimum S$10,000. The card is available to foreigners as well, who can apply for it with a minimum income S$40K or a minimum fixed deposit security of S$10,000
    2. PRVI Miles Platinum American Express Card - The UOB PRVI Miles Platinum American Express Card gives you added benefits and privileges on all your travel endeavors. Using this Credit Card you get to earn 6 miles on Singapore Airlines, KrisShop and SkillAir. Additionally, you also earn, 2.4 miles for every S$1 you spend overseas. For every S$1 you spend locally, you earn 1.4 miles. To top this off, if you spend SGD 50,000 in a year, you earn a bonus of 20,000 loyalty miles. To make your journey even more comfortable, you can also avail free limousine rides to the Changi Airport and many other traveling bonuses for your ultimate travel experience.
    3. PRVI Miles World MasterCard - If your annual income is SGD 80,000 or above, or if you have a minimum fixed deposit collateral of S$30,000, the UOB PRVI Miles World MasterCard is the ideal choice for you. This card opens up specially curated privileges that include dining and shopping across the world. Using this Credit Card you can also travel worry - free with the Travel Insurance that provides coverage for Personal Accident as well as Travel inconvenience insurance of up to S$1,000,000. You can also avail the best travel deals and deals for being a UOB PRIVI Miles Cardmember. For every S$1 you spend locally, you earn 1.4 miles and 2.4 miles for every S$1 you spend overseas.
    4. PRVI Miles Visa Card - You can own your own UOB PRVI Miles Visa Card if you are 21 years of age or older and if your annual income is S$ 80,000 or above or if you have a minimum fixed deposit collateral of S$30,000. If you travel through Singapore Airlines, KrisShop and SkillAir, you earn 3 miles. For each SGD 1 that you spend on making purchases locally, you earn 1.4 miles and for every SGD 1 you use to make purchases overseas, you earn 2.4 miles. You can avail the UOB PRVI Travel Butler feature for any and all travel queries and assistance such as flight and hotel bookings, insurance queries etc. by contacting them on their hotline number. You can spread the joy to your family and friends with 2 free supplementary cards. The card is available for Singaporeans as well as foreigners.
    5. Delight Credit Card - You can earn innumerable rebates with the UOB Delight Credit Card. Spend a minimum of SGD 800 a month at Market Place, Cold Storage, Giant and Guardian or Jasons and earn a whopping 8% SMART$ rebate. You can even earn 3% SMART$ rebate for making contactless payments and on select recurring bills. You can avail a 10% discount at 3 major retailers in Singapore. For any other purchase made using your UOB Delight Credit Card, you earn 0.3% SMART$ rebate. This card even gives you fuel power which allows you to save up to 21.7% in fuel savings.
    6. Preferred Platinum Visa Card - With the UOB Preferred Platinum Visa Card, you will earn 4 miles or 10X UNI$ for every SGD 5 that you spend on online shopping or entertainment. You will also earn 4 miles or 10X UNI$ when you make payments using the secure and convenient Visa payWave. Additionally, you can also SMART$ rebate at more than 900 participating outlets which you can then use to offset your next purchases. You can also avail an interest free installment plan for up to 24 months for your repayment.
    7. Visa Signature Card - When you use your UOB Visa Signature Card, you earn 10X UNI$ on online, petrol and overseas transactions made using Visa payWave. Apart from this, you also earn 10X UNI$ on all other purchases made with no absolutely no cap. You can enjoy the ultimate travel experience with overseas travel protection and travel insurance of up to SGD 100,000. This card even allows you to pay for a part of your travel using UNI$ where you can redeem a travel voucher to offset your travel expenses. You can even avail a 25% - 35% discount to Priority Pass and enjoy all its privileges including access to more than 850 airport lounges across the world. To apply for this card, your minimum age and minimum annual income need to be 21 years and $50,000 respectively.
    8. Limited Edition UOB One Card -The Limited Edition UOB One Card is considered to be the most generous rebate card of Singapore. You earn up to 5% rebate on all your purchases made up to SGD 2,000 per month. Additionally, you can also save on petrol with up to 24% at SPC and 22.9% at Caltex. You also earn up to 3.33% deposit interest rate per annum on your One Account.
    9. Lady’s Card - All ladies aged 21 years or above can reap the benefits of UOB Lady's Card. You earn 5X UNI$ for every SGD 5 that you spend online shopping, at local departmental stores or overseas. You also enjoy 5X UNI$ for every SGD 5 that you spend on your taxi rides. For purchases worth SGD 500 or more on luxury branded bags and shoes you can convert these purchases into installment plans of 6 or 12 months with no interest or processing fees. You can also avail your special privileges at Thomson Well Women Clinic. including guaranteed booking when you book 3 working days in advance.
    10. Lady’s Platinum Card - You can own the UOB Lady's Platinum Card for SGD 96.30. On the purchase of this card you get a fee waiver for the first year and a free supplementary card. Using this Credit Card you can make a guilt free luxury purchase at an affordable price by converting your luxury bag or shoes purchase into a 6 or 12 month installment plan with no processing fee or interest rate. You can get to your luxury shopping destination faster and make it more rewarding because you enjoy 5X UNI$ for every SGD 5 that you spend on your taxi rides. You earn 5X UNI$ for every SGD 5 that you spend online shopping, at local departmental stores or overseas.
    11. UOB Lady's Solitaire Card - With you UOB Lady's Solitaire Card, you can earn UNI$10 by spending S$5 at luxury retailers such as Mulberry, Balenciaga, Ferragamo, Marni, Salvatore, Jil Sander etc. You can also avail 10X UNI$ when you spend S$5 at local and oversea stores and shop online. The card also offers 10X UNI$ with every S$5 you spend to book a cab in Singapore. You can also enjoy free parking on Saturday, Sunday and other holidays by spending as low as S$50 in a single bill.
    12. Singtel UOB Card - With the Singtel UOB Platinum Card you earn cash rebates of up to SGD 360 every year on your Singtel bills and up to SGD 300 Singtel vouchers per year. You can also enjoy unlimited data roaming with your Free DataRoam Pass. You can even share this data roaming feature with your family and friends using the Mobile Share Supplementary Plan. This Credit Card also gives you a lifetime waiver of the annual fee of both, you principal as well as your supplementary card.
    13. Metro UOB Card - With your Metro UOB Card you can avail instant discounts of 10% off on all regular priced items at Metro. Additionally, you also get 5% METRO$ rebates on all your purchases that include sale items which you can then accumulate to enjoy further deals and benefits. When you spend a minimum of SGD 150 nett at Metro, you can avail free delivery and the same can be availed on a minimum purchase of SGD 250 nett during storewide events. You can celebrate your birthday with the Metro UOB Card which gives you a 20% discount during your birthday month on regular prices items that have a blue price tags along with further rewards and offers. For every SGD 5 that you spend on your Metro UOB Card, you will earn 1 UNI$. Accumulate your UNI$ and reward yourself with shopping vouchers, dining treats, movie tickets and many more exciting deals.
    14. UOB Professionals Platinum Card - UOB Professionals Platinum Card is a privilege card that is reserved for the selected few. You can enjoy instant SMART$ rebates at nearly 600 participating outlets such as Breadtalk, Caltex and Cathay Cineplexes to name a few. You can further use these SMART$ rebates to offset your future purchases. Your UOB Professionals Platinum Card is a dining partner at over 1000 dining establishments leaving you spoilt for choice every time you decide to dine out. The UNI$ that you earn can be redeemed for shopping, dining, or even converting them into air miles and travel vouchers. You can contact the bank or visit their website to see if you qualify to own this card.
    15. UnionPay Platinum Card - If you are planning frequent trips to China, the UOB UnionPay Platinum Card becomes your ultimate travel partner. This Credit Card has the widest acceptance in China where it is accepted in 12 million merchant terminals in China alone. Apart from this, you can use this card to travel anywhere overseas and earn 5X UNI$ when you spend a minimum of S$2,000. This Credit Card also provides you with special privileges in shopping, dining and entertainment worldwide in numerous outlets.
    16. JCB Platinum Card - You are welcomed to the JCB Plaza Lounge when you register for your UOB JCB Platinum Card. With this card you can enjoy double rebates of up to 20% at SMART$ merchants across the island. You also enjoy 6% rebate at UNIQLO and Meidi -Ya for no minimum amount spent on your card. Additionally, you can also earn 3% rebate on other spend and up 20% SMART$ rebate on select merchants. Departmental stores and 0.5% rebate on all your other purchases made using this Credit Card. With the UOB JCB Platinum Card you are entitled to special offers, discounts and deals in Singapore and across the world including USA, China, France and Italy to name a few. If you are traveling to Japan, don’t forget to use your UOB JCB Platinum Card to avail free city tours, shopping and dining offers and exclusive discounts at duty free shops.
    17. Visa Infinite Card - If you are the cream of the crowd, then don’t forget to register for the UOB Visa Infinite Card that guarantees special treatment to all members. With only being among the selected few, you enjoy 2 miles for every SGD 1 that you spend on overseas shopping, dining and other luxury brands. You also earn 3 miles for every SGD 1 that you spend on selected vacation packages, hotels and cruises. Business Class tickets at Singapore Airlines, Etihad Airlines and British Airways. You also enjoy exclusive access to private clubs, personal concierge and yacht privileges among many more.

    UOB Credit Card Bill Payment in Singapore

    Bill Pay is a payment service that is provided to all UOB Card members free of cost. It is an automatic bill payment service. Using UOB’s Bill Pay Service you can make one easy payment by consolidating all your monthly bills and charging them to your UOB Card. For instance you can include your internet bill, mobile phone bills and newspaper subscription bill to name a few, consolidate them and make a single payment. Using this payment service also earns you attractive rewards in the form of Cash Rebates, UNI$ and SMART$. These reward points can be redeemed at myriad dining, travel and retail outlets.

    UOB Credit Card Balance Transfer

    UOB Funds transfer promises the best rates by matching up any rates that are offered by other competitive banks in Singapore. It guarantees flexible monthly repayments are 3% on your Credit Cards or 2.45% on your CashPlus of your statement balance or SGD 50 depending on whichever amount is greater. It also gives you the freedom to choose the tenor for repayment from 3,6 or 12 months.

    UOB Credit Card Cash Advance

    UOB Credit Card Cash advance grants you easy and fast access to instant cash whenever and wherever you want. You can obtain cash very easily through numerous ways enlisted below -

    • Through an ATM
    • Over the Bank Counter
    • Through UOB’s Personal Internet Banking
    • Through SMS
    • Through a Phone Call
    • Through UOB’s Foreign Exchange Counters at Changi Airport.

    NOTE:

    For Cash Advance through SMS, phone or via an ATM, the minimum amount has to be SGD 200.

    You can withdraw a maximum amount of SGD 3,000 a day at any UOB ATM.

    Fee & Interest on Cash Advance

    A Cash Advance amount of SGD 15 or a fee of 6% will be charged to your UOB Credit Card depending on whichever is greater for each Cash Advance transaction.

    Interest for the Cash Advance will be charged on a daily basis from the initial date when each Cash transaction was made and until the date the complete payment is made.

    UOB Credit Card UOB PRIVI Miles American Express Card UOB PRIVI Miles World MasterCard UOB Visa Signature Card UOB One Card
    Annual Income For Singaporeans/PRs/Foreigners

    -At least SGD 80,000 OR

    -Minimum of SGD 50,000 as Fixed Deposit Collateral

    For Singaporeans/PRs/Foreigners

    -At least SGD 80,000 OR

    -Minimum of SGD 50,000 as Fixed Deposit Collateral

    For Singaporeans/PRs/Foreigners

    -At least SGD 50,000 OR

    -Minimum of SGD 20,000 as Fixed Deposit Collateral

    For Singaporeans/PR

    -At least SGD 30,000 OR

    -Minimum of SGD 10,000 as Fixed Deposit Collateral

    For Foreigners

    -At least SGD 40,000 OR

    -Minimum of SGD 10,000 as Fixed Deposit Collateral

    Features

    -1.4 miles on spending SGD 1 locally

    -2.4 miles for every SGD 1 spent overseas

    -3 miles on using Singapore Airlines,KrisShop or Silklair

    -1.4 miles on spending SGD 1 locally

    -2.4 miles for every SGD 1 spent overseas

    -3 miles on using Singapore Airlines,KrisShop or Silklair

    -5% cash rebate when spending on shopping, petrol, overseas and through Visa payWave

    -25 - 35% discount on the Priority Pass Membership fee

    -Upto 5% rebate on all purchases

    -Upto 3.33% rebate on all purchases below SGD 2,000

    -Save up to 2.9% on Petrol at Caltex and 24% at SPC

    -Additionally, earn up to 20% SMART$ rebate

    Eligibility Applicant must be at least 21 years of age Applicant must be at least 21 years of age Applicant must be at least 21 years of age Applicant must be at least 18 years of age

    UOB Credit Card Over limit Fee

    A fee of SGD 100 will be charged each time as part of your Credit Card Over Limit fee payment.

    With effect from August 19th, 2015, in case the total outstanding Card Account balance is greater than total Credit Limit at any point in time, an over limit fee of SGD 40 will be charged.

    UOB Card Late Payment Charges

    5% of your minimum amount due will be charged for late payment. A minimum of SGD 80 and a maximum of SGD 200 will be charged.

    Fees on Foreign Currency Transaction

    For any transaction that is NOT SGD, USD or AUD, the transaction will be converted at the prevailing rate of exchange of the pertaining Credit Card Company. It will first be converted to USD and then SGD.

    For any USD or AUD transaction, the transaction will be converted at the prevailing rate of exchange of the pertaining Credit Card Company to SGD.

    For any transaction that is made using MasterCard, Visa, China Union pay and JCB International Credit Cards, any and all transactions made in foreign currency will be charged an administrative fee of 2.5%.

    All transactions in foreign currency made using UOB World MasterCard Card, UOB PRVI Miles Visa Card and UOB PRVI Miles Card will be subjected to a currency factor of 3.25% wherein 1% of this will be retained by Visa and MasterCard respectively.

    UOB Credit Card - Membership Fees for Principal and Supplementary Cards:

    UOB Credit Card UOB Credit Card UOB Credit Card
    UOB PRIVI Miles American Express Card

    SGD 256.80 per year (including GST)

    First year card fee is waived

    SGD 128.40 per year

    First 2 Supplementary Cards are Free

    UOB PRIVI Miles World MasterCard

    SGD 256.80 per year (including GST)

    First year card fee is waived

    SGD 128.40 per year

    First 2 Supplementary Cards are Free

    UOB PRIVI Miles Visa Card

    SGD 256.80 per year (including GST)

    First year fee is waived

    SGD 128.40 per year

    First 2 Supplementary Cards are Free

    UOB Delight Credit Card

    SGD 85.60 per year (including GST)

    First year card fee is waived

    SGD 53.50 per year

    First Supplementary Card is Free

    UOB Visa Signature Card

    SGD 214 per year (including GST)

    First year card fee is waived

    SGD 107 per year

    First Supplementary Card is Free

    UOB One Card

    SGD 128.40 per year (including GST)

    First year card fee is waived

    SGD 64.20 per year

    First Supplementary Card is Free

    UOB Preferred Platinum Visa Card

    SGD 192.60 per year (including GST)

    First year card fee is waived

    SGD 96.30 per year

    First Supplementary Card is Free

    Free first year second card

    UOB Lady’s Card

    SGD 128.40 per year (including GST)

    First year card fee is waived

    SGD 64.20 per year

    First Supplementary Card is Free

    UOB Lady’s Platinum Card

    SGD 192.60 per year (including GST)

    First year card fee is waived

    SGD 96.30 per year

    First Supplementary Card is Free

    Singtel - UOB Card

    SGD 192.60 per year (including GST)

    First year card fee is waived

    SGD 96.30 per year

    First Supplementary Card is Free

    Metro - UOB Card

    SGD 192.60 per year (including GST)

    First year card fee is waived

    SGD 96.30 per year

    First Supplementary Card is Free

    UOB Professionals Platinum Card Free For Life

    SGD 96.30 per year

    First Supplementary Card is Free

    UOB UnionPay Platinum Card

    SGD 192.60 per year (including GST)

    First year card fee is waived

    SGD 96.30 per year

    First Supplementary Card is Free

    UOB JCB Platinum Card

    SGD 64.20 per year (including GST)

    First year card fee is waived

    SGD 32.10 per year

    First Supplementary Card is Free

    UOB Visa Infinite Card

    This card can be obtained by Invite only

    SGD 1926 per year (including GST)

    First year free OR if you pay the annual fee, you receive 30,000 UNI$

    SGD 374.50 per year

    First 2 Supplementary Cards are Free for life

    UOB YOLO Card S$192.60 (First 1 year card fee waiver) 1st Supplementary FREE, 2nd Supplementary – S$96.30

    UOB Credit Card Promotions

    With the Rewards credit cards, customers are offered exclusive promotional offers on spends. UOB credit cards also offer promotions involving online transactions made with credit card, dining and shopping deals with select merchants.

    UOB Rewards Program for Credit Cards

    To make all your purchases more gratifying, UOB has a line-up of credit cards, the reward cards, designed to offer you benefits when shopping. UOB cardholders earn UNI$ on every local and overseas spends. UNI$ points can be easily exchanged for exclusive deals and cash rebates at partner merchant establishments. Also, with select UOB credit cards, the cardholders also stand to get SMART$ rebate instantly at over 900 outlets including Cathay Cineplexes, Breadtalk and Caltex.

    Do enquire with UOB about the reward structure for your credit card and to find out more about the redemption of UNI$ and SMART$ points.

    Using UOB CashPlus you can earn up to 6X on your monthly income or SGD 200,000 depending on whichever is lower if your monthly income is over SGD 10,000. If your monthly income is between SGD 2,500 and SGD 10,000, you earn 4X the monthly income. If you send in your application for CashPlus before 2 PM, you are guaranteed same day approval. Using CashPlus you have easy access to cash through various methods and can choose between Fixed and flexible repayment schemes. With UOB Cash Plus, you can earn 1.5% cash rebate.

    Eligibility Criteria for UOB CashPlus

    You must be over 21 years of age

    You must be a Singapore citizen or a Permanent Resident

    Your annual income must be a minimum of SGD 30,000.

    Find below the Rates and Tenor for Credit Card Funds Transfer –

    Tenor 3 Months 6 Months 12 Months
    Processing Fee 1.8% 2.5% 4.5%
    Effective Interest Rate 7.38% p.a. 5.34% p.a. 5.20% p.a.

    UOB’s SmartPay allows you to convert your full or partial outstanding balance from your UOB Credit Card into easy 6 to 12 month installments at a reasonably low processing fee. Using UOB’s SmartPay, you can avoid the stress of making large repayments at a stretch, avail a 0% per annum installment plan at a low processing fee and in addition, avail a further interest free grace period of more than 30 days before you even make your first installment payment.

    The most attractive feature about UOB Personal Loan is the low interest rates that start at flat 8% p.a. It gives you the option to choose a tenor between 12 to 60 months with a fixed monthly repayment amount. If you are an existing UOB Card or CashPlus member you can avail fast cash within 7 to 10 working days.

    Type 12 months 24 months 36 months 48 months 60 months
    Flat Rates 8 % p.a. 8 % p.a. 8 % p.a. 8 % p.a. 8 % p.a.
    Effective Interest Rate (E.I.R) 17.94 % p.a. 16.54 % p.a. 15.84 % p.a. 15.34 % p.a. 14.94 % p.a.
    Processing Fee 1.8% 1.8% 1.8% 1.8% 1.8%

    Interest Fee Period on UOB Credit Cards

    Interest free period is applicable on all UOB Credit Cards for up to a period of 21 days from the date the statement was generated only if the outstanding is paid in full.

    How to enable your UOB Card for Overseas use

    In order to use you UOB Card overseas, you need to enable the magnetic stripe on your Card. The following are the ways in which you can enable your Card for overseas use -

    Visit the UOB website page

    Visit the nearest UOB branch

    Download the form from the UOB website and mail to them

    Visit the nearest UOB ATM

    Call UOB bank on their 24 hour hotline number

    NOTE: Your Card PIN is required to enable your Card for overseas use

      1. Can I start using my UOB credit card as soon as I receive it?

    No, you must activate the card before you can use it to prevent unauthorised use should it get intercepted in mail. You can activate your UOB credit card using UOB web portal, net banking, UOB bank branches or at any of the UOB ATM in Singapore.

      1. What is the interest free period for UOB credit cards?

    The interest free period is up to 21 days from the statement date in case the outstanding amount is paid in full.

      1. How do I report the loss of card?

    You can contact UOB 24/7 helpline to report the loss of card. The card will also be blocked immediately to ensure that no fraudulent transactions occur. The liability for a lost or stolen card is $100.

      1. What is UOB Island of Rewards?

    UOB Island of Rewards program offer the customers a total flexibility to convert UNI$ to cash rebates. UNI$ can be exchanged at a conversion rate of UNI$4,000 to S$100. Customers can also choose to redeem UNI$ for vouchers from over 100 merchants.

      1. What is the cash advance fee for UOB credit cards
      2. ?

    The cash advance fee is 6% of the advance amount, the minimum fee being $15.

      1. What is the fee to avail UOB’s Bill Pay Service?

    There is no fee charged to avail UOB’s Bill Pay Service. All UOB Cardmembers can avail this feature free of cost.

      1. Is there an Interest Free Period on UOB Credit Cards?

    Yes. Interest free period exists for all UOB Credit Cards for up to a period of 21 days from the date of statement generation but it is only applicable for cardmembers when they pay their outstanding in full.

      1. If I make my Credit Card payment late, what fee will I be charged for it?

    When you make a late payment on your Credit Card, 5% of your minimum amount due will be charged for the late payment. A minimum of SGD 80 up to a maximum of SGD 200 can be charged for it.

      1. What is UOB SmartPay?

    UOB SmartPay is a feature that allows you to convert your partial or complete outstanding balance from your UOB Credit Card into monthly installments at a very low processing fee. You have the option to choose between 6 and 12 months for your repayment.

      1. Will I be charged a fee if my total outstanding Card Account balance is greater than my total Credit Limit?

    Yes. If your outstanding Card Account balance is greater than your total Credit Limit, a fee of SGD 40 will be charged.

    Latest Blog on UOB Credit Cards

    How to top-up your CEPAS Card using UOB Credit Cards

    No more lines and queues to delay your travel plans, thanks to your UOB Credit Card. Top-up your CEPAS card, anywhere, anytime, and travel according to your plans. See some of the many benefits of this unique feature and implement it in your day-to-day life. Read More…

    News About UOB Credit Card

    • UOB introduces the YOLO credit card for millennials

      UOB has launched the new YOLO credit card for the millennials of the nation. YOLO stands for You Live Only Once and it is a popular phrase used by youngsters. The millennials, who belong to the age group of 26 to 35, are being targeted as they incur high expenses in multiple areas such as food, travel, shopping, etc.

      Jacquelyn Tan, the managing director of UOB, believes that the future economy will be designed by the millennials as they will form the biggest fragment of the nation’s workforce. That is why they have created the YOLO card exclusively for the younger generation.

      UOB YOLO cardholders will be the first customers in Asia Pacific to pay via contactless modes with the help of tokenised security. They will only have to tap the Bank’s mobile app called UOB Mighty at any compatible terminal in Singapore. Customers will also gain exclusive discounts and deals on dining and travel.

      12th January 2017

       
    • UOB To Start Online Marketplace For Bulk Purchasing

      UOB will be introducing an online marketplace for its small- and medium-sized enterprises (SME) so that they can buy essentials in bulk at low prices. Customers can choose from stationery, general insurance, travel, courier and logistics services.

      This programme will enable SMEs to save costs due to the bulk purchase agreements made by the bank with suppliers. UOB will be collaborating with cloudBuy, a company that gives cloud-based business-to-business (B2B) solutions. This will be the first B2B marketplace in Singapore started by a bank.

      This B2B marketplace will display products and services offered by various suppliers, and this will allow SMEs to buy online easily without worrying about seeking several and separate price quotations.

      16th November 2016

       
    • UOB launches two first-of-their-kind initiatives to enhance customer experience

      In what happens to be the world’s first, United Overseas Bank launched two initiatives, both first of their kind, to provide its customers with seamless digital services. Under the Instant Digital Credit Card Issuance scheme, UOB cardholders can obtain popular UOB credit cards using a smartphone app and can avail special offers on particular credit cards in a seamless manner. The second initiative on the cards is the rollout of NFC (Near Field Communication) Contactless ATMs, the first of its kind in South-East Asia. With the help of this initiative, UOB customers will be able to withdraw money using their smartphones, enabling a hassle-free experience. UOB customers with MasterCard credit and debit cards using Apple Pay will be able to access the service first. Android users will be able to avail the service from 2015 using the UOB Mighty Pay Android Application.

      03rd November 2016

       
    • UOB launches two first-of-their-kind initiatives to enhance customer experience

      In what happens to be the world’s first, United Overseas Bank launched two initiatives, both first of their kind, to provide its customers with seamless digital services. Under the Instant Digital Credit Card Issuance scheme, UOB cardholders can obtain popular UOB credit cards using a smartphone app and can avail special offers on particular credit cards in a seamless manner. The second initiative on the cards is the rollout of NFC (Near Field Communication) Contactless ATMs, the first of its kind in South-East Asia. With the help of this initiative, UOB customers will be able to withdraw money using their smartphones, enabling a hassle-free experience. UOB customers with MasterCard credit and debit cards using Apple Pay will be able to access the service first. Android users will be able to avail the service from 2015 using the UOB Mighty Pay Android Application.

      20th October 2016

       
    • AirAsiaGo in partnership with UOB offers 10% discount on hotel bookings

      Runtime- Valid till December 31, 2016

      Are you planning a business trip or an exciting vacation with your family or friends in the near future? Well, guess what? AirAsiaGO in partnership with United Overseas Bank is offering an exclusive discount of 10% on hotel bookings. Enter the promo code ILOVEUOB and grab your discount today! Choose from an exciting list of hotel accommodations and make your stay memorable. Note that the offer is only valid for participating hotels and cannot be combined with other existing offers. All other terms and conditions apply.

       
    • United Overseas Bank revamps its women's cards

      UOB (United Overseas Bank) has upgraded the cards for women in Singapore. Along with redesigning the card, the bank has also come up with a new debit card for the women between the ages of 18 years and 25 years. This card is called the UOB Lady’s debit card.

      For the credit cards, an installment plan has been introduced. The card holders can now spread their payments over six or twelve months. Rose-gold metal cards will be offered to the first one thousand holders of the UOB Lady’s card who have spent a minimum amount of S$45,000 in 3 consecutive months. The members can also sign up instantly for the UOB MasterPass wallet.

      29th June 2016

       
    • UOB sees people accept Apple Pay

      UOB sees Singaporeans accept Apple Pay quickly for making payments using debit and credit cards. The bank expects that by 2020, around 10 percent of its card billings will be done using contactless payments. It is one of the first banks to offer contactless payments option to people using Android and IOS devices. In the recent 2 weeks around 19, 000 UOB cards have been enabled for Apple Pay and in the last 6 months, it has tokenized 16, 000 cards via UOB Mighty.

      07th June 2016

       
    • Banks to launch Unified POS Terminals

      Although the Monetary Authority of Singapore director’s notion of introducing mobile phones as POS (point of sale) terminals may take years to become a reality, a similar development is on the brink of seeing the light of day here in Singapore. UOB (United Overseas Bank) has recently rolled out 1000 unified POS and are targeting to increase the number to 10, 000 in the next 2 years. Other banks include OCBC which is planning a commercial rollout shortly this month and DBS bank is all set to expand its unified POS system in the coming few months.

      The advantage of a unified POS is that the new POS machine can accept all cards as opposed to separate terminals that have been installed to accept ATM cards, contactless cards and credit cards. Other benefits of this system include easing the need to hire more cashiers as this movement hinges on self-service checkouts where cashiers need to be trained to use only one machine. It will also help reduce customer confusion.

      11th May 2016

       
    • Sino-Singapore Equity Fund Created by UOB and Partners

      The UOB Group has set up a private equity fund in collaboration with 3 Chinese firms, according to a statement released by the group.

      The fund, known as the Sino-Singapore Connectivity Private Equity Fund, has been set up with the Chongqing Yufu Asset Management Group, Ping An Insurance and Tus Holdings Ltd.

      The fund will make the Chongqing region its primary area of investment, focussing its RMB100 billion worth of resources there.

      The partners released a statement outlining the areas of operation the fund will invest in, with emphasis on travel between the two regions through aviation firms and logistics. They will also be looking at infrastructure, especially information communications in the western China region by relying on Sino-Singapore expertise in the sector.

      The fund aims to provide firms with financing to stimulate growth as well as increase collaborative efforts between the two to promote the development of western China.

      18th April 2016

       
    • UOB NATAS 2016 Promotions

      Runtime: till 6 Mar, 2016

      Use your UOB credit card or debit cards for all kinds spends and enjoy great discounts and privileges at NATAS 2016 till 6 Mar, 2016. You can redeem prizes and offers at UOB Travel booth 7H78. These privileges and prizes include the following:

      • 25 inch and 29 inch Cabin Luggage (8-wheeler)

      • Free travel for child with travel packages from UOB

      • Discount of up to 40 percent summer season travel from Club Med and an exclusive discount of 50 percent on membership fee

      • Discount of 5 percent on select cruises etc.

      Terms and conditions laid down by the bank might be applicable.

       
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