Singtel-UOB Card
Earn 12% cashback on Singtel/GOMO spends and 10% cashback on local online and mobile contactless spends
Singtel-UOB Card Overview:
The Singtel-UOB Card is designed for those who want to earn high cashback on Singtel or GOMO bills while still getting rewards on everyday online and mobile contactless spending. It offers 12% cashback on Singtel/GOMO spend, 10% cashback on local online and mobile contactless transactions. The card comes with perks like up to 20% fuel savings at SPC, no foreign currency fees, and Singtel vouchers for annual spending milestones. Best suited for Singtel users, the card allows easy optimisation with recurring payments while remaining useful for everyday online and mobile purchases.
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income:Â S$30,000 (55 years old and below) ; S$15,000 (56 years old and above) ; S$40,000 (foreigners)
- Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000.
- Annual Fee:Â S$196.20 (incl. GST), waived for the first year
- Subsequent years’ fee is waived automatically if you maintain 12 consecutive months of eligible recurring Singtel/GOMO bill charges to the card
Key Benefits:
Earn 12% cashback on Singtel/GOMO spend
Earn 10% cashback on Local Online and Mobile Contactless spend (Apple Pay, Samsung Pay, Google Pay)
Earn 0.3% cashback on all ****other local and overseas spend
Minimum spend of S$800 each statement month
Total Cashback of S$80
- Singtel/GOMO spend – S$30
- Local Online and Mobile Contactless spend – S$30
- All other spends – S$20
Maximum Possible effective cashback: 7.59%
Get up to 20% fuel savings at SPC
No foreign currency fees on overseas spends
Get up to S$300 Singtel Vouchers when you spend locally
Minimum Local Spend a Year (including Singtel bill) | Singtel Voucher |
S$24,000 | S$300 |
S$12,000 | S$100 |
How to Best Optimise it:
Best for Singtel/GOMO Users
- Transactions under MCC 4812, 4814, and 5999 specifically mobile and broadband bills, prepaid top-ups, and in-app payments are consistently recognised as eligible Singtel spend, making it easy to earn rewards on expenses you already pay for every month. Since these are recurring, predictable charges, you can maximise returns without changing spending habits or tracking categories—simply paying your Singtel or GOMO bills as usual lets them extract ongoing value from rewards or cashback. An alternative card for Singtel bills would be DBS yuu card giving 18% cash rebates or 10 miles per dollar.
MCC | Description |
4812, 4814, 5999 | • BS WHATSAPP BOT* • ERAJAYA* • G-FORCE* • GKE RETAILS PTE LTD • GOMO MOBILE* • HELLO* • MY APPS MALL* • MYSINGTELAPP* • PREPAID ONLINE TOP UP* • PREPAID* • SINGAPORE TELECOM* • SINGTEL* • SINGTELSHOP* • STBILL* • STS* • TELECOM EQ* • WHIZCOMM* |
Can Be Used Overseas With No FX Fees
Best way to maximise cashback with the S$800 min spend:
- At your max hack level, you will need around S$250 worth of spending on Singtel/GOMO Spend and S$300 worth of spending on Local online and mobile contactless spend as well as another S$250 spend on other types of spend to receive the max effective cashback of 7.59%.
Cashback Rate | Sweet Spot Spending | Cashback Cap | |
Singtel/GOMO Spend | 12% | S$250 | S$30 |
Local Online and Mobile Contactless spend | 10% | S$300 | S$30 |
Other Local / Overseas Spends | 0.3% | S$250 | S$0.75 |
S$800 | S$60.75 |
- Effective Cashback: 60.75/800 x 100% = 7.59%
What to Avoid:
a) cash advances;
(b) balance and/or fund transfers;
(c) NETS and NETS-related transactions;
(d) monthly instalments under 0% Instalment Payment Plan and SmartPay;
(e) amounts approved under the UOB Payment Facility and any associated fees or charges;
(f) any transactions made at Shell petrol stations and SPC petrol stations;
(g) any interest, fees and charges (including without limitation, late payment charges or
interest charges, annual or monthly fees or charges) imposed by the Bank;
(h) any credit card transaction that is subsequently cancelled, voided, refunded or reversed
for any reason;
(i) any transaction made with the following Merchant Category Codes (MCC):
MCC | Description |
4829 | Wire Transfer/Remittance |
4900 | Utilities |
5199 | Nondurable Goods |
5960 | Direct Marketing – Insurance Services |
5965 | Direct marketing –Combination Catalog and Retail Merchants (wef 1 October 2024) |
5993 | Cigar Stores and Stands (wef 1 October 2024) |
6012 | Member Financial Institution–Merchandise and Services |
6050 | Quasi Cash–Financial Institutions, Merchandise and Services |
6051 | Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency, Cryptocurrency) |
6211 | Securities–Brokers and Dealers |
6300 | Insurance Sales/Underwrite |
6513 | Real Estate Agents & Managers – Rentals |
6529 | Quasi Cash-Remote Stored Value Load-Financial Institute Rentals |
6530 | Quasi Cash-Remote Stored Value Load-Merchant Rentals |
6534 | Quasi Cash-Remote Money Transfers |
6540 | Stored Value Card Purchase/Load |
7349 | Clean/Maint/Janitorial Serv aka Property Management |
7511 | Quasi Cash – Truck Stop Trxns |
7523 | Automobile Parking Lots and Garages |
7995 | Gambling – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks |
8062 | Hospitals |
8211 | Schools, Elementary and Secondary |
8220 | Colleges, Universities, Professional Schools and Junior Colleges |
8241 | Schools, Correspondence |
8244 | Schools, Business and Secretarial |
8249 | Schools, Trade and Vocational |
8299 | Schools and Educational Services–Not Elsewhere Classified |
8398 | Charitable and Social Service Organizations |
8661 | Religious Organizations |
8651 | Political Organizations |
8699 | Membership Organizations (Not Elsewhere Classified) (wef 1 October 2024) |
8999 | Professional Services (Not Elsewhere Classified) (wef 1 October 2024) |
9211 | Court Costs including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payment |
9402 | Postal Services—Government Only |
9405 | Intra-Government Purchases—Government Only |
9399 | Government Services—not elsewhere classified |
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Singtel-Specific Exclusions:
- Singtel Dash;
- enterprise-related payments;
- Singtel Protect and other insurance-related transactions.
Is it Worth it:
Advantages:
- High cashback on targeted spending
- Can earn rewards on everyday spends
- No FX fees
Disadvantages:
- Singtel/GOMO high spend required
Frequently Asked Questions:
- When is Cashback Credited?
- Cashback earned in the current statement month will be credited to your card account in the following statement month, and may only be applied to offset the billed amount for that subsequent statement
Final Thoughts:
The Singtel-UOB Card is ideal for those who regularly use Singtel or GOMO services and want to maximise cashback on recurring bills and everyday online or mobile contactless spending. With high rewards on targeted categories, no foreign currency fees, and potential fuel and voucher perks, it offers tangible benefits for users who can meet the minimum spend requirements. However, if you’re not a Singtel or GOMO user, the card’s value diminishes, as most of its rewards are concentrated in specific categories. Overall, it’s a strong choice for simplifying rewards on regular digital and mobile payments while enjoying extra perks tied to Singtel services.
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
