UOB One Card
Best for: steady spenders who hit S$600 to S$2,000 a month with at least 10 purchases.
Pros
- Up to S$200 base cash back a quarter
- Bonus merchants cover common daily spending
- Foreigner income bar of S$40,000 is among the lowest
Cons
- You need 10 purchases in every statement month of the quarter
- More work to track than a flat-rate card
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The UOB One Card pays quarterly cash back when you hit one of three monthly spend tiers with at least 10 purchases, plus higher rates at merchants such as Grab and Shopee.
UOB One Card at a glance
| Issuer | UOB |
| Card network | Visa or Mastercard |
| Annual fee | S$196.20 (first year waived) |
| Rewards rate | Quarterly cash back of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,000 monthly spend with at least 10 purchases each statement month; extra cash back at Grab, McDonald's, Shopee, SimplyGo, groceries, Shell and SP utilities |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | 27.8% p.a. |
| Foreign transaction fee | 3.25% |
| Credit needed | S$30,000 for Singaporeans/PRs aged 55 and below; S$15,000 for 56 and above; S$40,000 for foreigners |
| Best for | Steady spenders who hit S$600 to S$2,000 a month with 10+ purchases |
Key features
- Three quarterly spend tiers: S$600, S$1,000 and S$2,000 a month
- Bonus cash back at Grab, McDonald's, Shopee Singapore and SimplyGo
- Extra cash back on groceries, Shell fuel and SP utilities
- First supplementary card free
Pros
- Up to S$200 base cash back a quarter
- Bonus merchants cover common daily spending
- Foreigner income bar of S$40,000 is among the lowest
Cons
- You need 10 purchases in every statement month of the quarter
- More work to track than a flat-rate card
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: uob.com.sg · uob.com.sg
How it compares with similar Singapore cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
UOBOne 5295 9745 9886 8994 VALID THRU 03/29SAM RIVERA UOB One CardSteady spenders who hit S$600 to S$2,000 a month with 10+ purchases |
S$196.20/yr | Quarterly cash back of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,… | None | 3.25% | S$30,000 for Singaporeans/PRs… | |
Citibank SingaporeCiti Cash Back+ 5250 0491 0812 8313 VALID THRU 12/29CASEY BROOKS Citi Cash Back+ CardAnyone who wants a high flat cash back rate without tracking categories |
S$196.20/yr | 1.6% cash back on eligible spend with no minimum spend and no cap; ext… | None | Up to 3.25% | S$30,000 for Singaporeans/PRs;… | |
Maybank SingaporeMaybank Family & Friends 5223 6152 0941 3426 VALID THRU 01/29TAYLOR REED Maybank Family & Friends CardHouseholds that want to pick their own 8% cash back categories |
S$196.20/yr | 8% cash back in 5 categories you choose with at least S$800 spend a mo… | None | 2.25% Maybank fee plus up… | S$30,000 for Singaporeans/PRs;… | |
OCBC BankOCBC 365 4495 4526 9057 0819 VALID THRU 09/28TAYLOR REED OCBC 365 Credit CardHouseholds spending S$800+ a month on petrol, dining and groceries |
S$196.20/yr | 6% petrol; 5% dining and food delivery; 3% groceries, land transport,… | None | 3.25% (1% card network + 2… | S$30,000 for Singaporeans/PRs… |
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