UOB One Credit Card
United Overseas Bank · Cashback · Statement Credit
This comprehensive guide covers the UOB One Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The UOB One Credit Card from United Overseas Bank offers cashback rewards credited directly to your statement at 5%. Top earning categories include 5% cashback on dining, groceries & transport and more. Annual fee is S$192.6 (waived with minimum annual spend of sgd 10,000).
Best for: Dining, Grocery, Transit, Online Retail
Reward Examples
Spend S$1,000 on Dining → earn S$50 (5%) · 5% cashback on dining, groceries & trans
Spend S$1,000 on Online retail → earn S$30 (3%) · 3% cashback on online shopping
Spend S$1,000 on Travel → earn S$3 (0%) · 0.3% cashback on everything else
Official product page → Official rules →
Waiver: Waived with minimum annual spend of SGD 10,000
Reward Rules
- 5% 5% cashback on dining, groceries & transport
- 3% 3% cashback on online shopping
- 0% 0.3% cashback on everything else
Important Notes
- 5% and 3% tiers require a minimum monthly spend of SGD 500 across eligible categories.
- Total cashback capped at SGD 300 per quarter.
- Annual fee waived with SGD 10,000 annual spend.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
UOB One Credit Card vs Similar Cards
- Amaze Card by Instarem — 1% top rate · S$0
- American Express True Cashback Card — 2% top rate · S$0
- BOC Family Card — 10% top rate · S$0
Maximize Your Rewards
To earn the highest rewards, use the UOB One Credit Card for its bonus categories: Dining, Grocery, Transit, Online Retail, General Online.