UOB One Card Review | What You Need To Know

UOB One Card

Earn at least 3.33% cashback on most local spend

UOB One Card Overview:

The UOB One Credit Card offers up to 10% cashback on your daily favourites, such as McDonald’s, Grab, Shopee, SimplyGo and the newset category which is Grocery! You can also enjoy fuel savings of up to 22.66% at Shell and SPC. Plus, you can earn 5% p.a. interest on your savings account when you pair your UOB One Credit Card with a UOB One Account.

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs); 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: S$196.20, waived for the first year

Key Benefits:

  • Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

    • Base cashback:
      • S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
    • Additional cashback (capped at S$120 per statement month):
      • Selected Partners: 5%
      • Grocery (MCC 5411): 2.67% – only for Tier 2
  • Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

    • Base cashback: 3.33% cashback (capped at S$200 per quarter)
    • Additional cashback (capped at S$120 per statement month):
      • Selected Partners: 6.67%
      • Grocery (MCC 5411): 4.67%
Tier 1
Tier 2
Tier 3
Minimum Spend
S$600
S$1,000
S$2,000
Minimum Transaction Count
10
10
10
Base Cashback per quarter
3.33% (S$60 cashback)
3.33% (S$100 cashback)
3.33% (S$200 cashback)
Additional Cashback on Selected Spends
5%
5%
6.67%
Additional Cashback on Grocery Spend New
2.67%
4.67%
Total
up to 8.33%
up to 8.33%
up to 10%
These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)
  • Earn up to 22.66% fuel savings at Shell and SPC
  • Earn 4.33% cashback on Singapore Power utilities bills
Good Use For Regular Consistent Spending With Some Level Of Tracking:
  • You will minimally get 3.33% cashback. The only part that you need to take note is that it needs to be consecutive monthly spending. This means, if you spend S$1,000 in month 1, you would need to spend S$1,000 in month 2 and 3 to qualify for Tier 2 quarterly cashback (i.e. S$100). If you spend S$1,000 in month 1, then S$600 in month 2 and 3, then you will only qualify for Tier 1 quarterly cashback (i.e S$60). Do note that everyone’s quarter is different and it is dependent on your card opening month. (See “How to Earn the Quarterly Cashback” below)
 
Best Use for These Eligible Merchants For Additional Cashback On Top of 3.33%:

uob one updated additional cashback

 

  • Do note that DFI Retail Group and UOB Travel will no longer be eligible for bonus cashback from 1 August 2025. On the bright side, a new Grocery category (MCC 5411) has been added, covering a wide range of supermarkets — a valuable inclusion for many cardholders. However, this only applies to Tier 1 and Tier 2. Also, the cashback cap for “Additional Cashback” is increased from S$100 to S$120, giving you more room to earn.

 
How to Earn the Quarterly Cashback?
  • Spend According To Your Card’s Quarterly Cycle, Not The Calendar Quarterly Cycle:
updated uob one cashback
    • Note that the monthly spend is based on your statement period:
      • Example 1: If your statement is generated on 30th, your monthly spend for January will be from 1 January to 30 January
      • Example 2: If your statement is generated on 15th, your monthly spend for January will be from 16 December – 15 January
    • The spend quarter is a 3-month period base on your first 3 statements, if your card is issued in February, these are your spend quarters:
      • Spend quarter #1: Feb, Mar, Apr
      • Spend quarter #2: May, Jun, Jul
      • Spend quarter #3: Aug, Sep, Oct
      • Spend quarter #4: Nov, Dec, Jan
  • To find out when is your card issued, you can refer to the physical card for your anniversary month as a reference.
 
Avoid Squeezing Your Spending To The Last Few Days Of The Month:
  • Your spending is calculated and counted into the spend conditions for the month when your transaction is successfully charged AND posted on the Bank’s systems (See below picture). This means that if you spend on 31st Jan, it will likely not get posted on the same day, even for contactless spending. It usually take a few days. So technically, it’s best to hit your minimum spending a few days before the end of the month as it takes time for the transaction to get posted.
Exclusion List:

(a) any cash advances;

(b) any interest, fees and charges (including without limitation, late payment charges or interest charges, annual or monthly fees or charges) imposed by the Bank;

(c) balance and/or funds transfers to or from the Card Account;

(d) any credit card transaction that was subsequently cancelled, voided or reversed for any reason;

(e) monthly instalments under 0% Instalment Payment Plan and SmartPay;

(f) amounts approved under the UOB Payment Facility and any associated fees or charges

(g) any Grab mobile wallet top-up transactions;

(h) any Shopee Pay wallet top-up transactions;

(i) any payment made with the following Merchant Category Codes (“MCC”);

MCC
Description
4829
Wire Transfer/Remittance
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
AXS*
PLUS500UK LIMITED
AMAZE* (wef 1 October 2024)
Saxo Cap Mkts Pte Ltd
AMAZE* TRANSIT* (wef 1 March 2022)
SKR*PLUS500CY LTD
EZ Link*
SKR*SKRILL.COM
EZLINK*
TRANSIT*
EZ-LINK*
WWW.IGMARKETS.COM.SG
EZLINKs*
WWW.MYEZLINK.COM.SG 
FlashPay*
WWW.PLUS500.CO
NETFLASHPAY*
IPAYMY* (wef 1 August 2022)
MB * MONEYBOOKERS.COM
RWS-LEVY* (wef 1 August 2022)
OANDA ASIA PAC*
SMOOVE PAY* (wef 1 August 2022)
OANDAASIAPA
SINGPOST-SAM* (wef 1 August 2022)
PAYPAL* PLUS500
RazerPay* (wef 1 August 2022)
PAYPAL* PLUS500.COM
NORWDS* (w.e.f. 21 Jul 2024)
PAYPAL * BIZCONSULTA 
CardUp*
PAYPAL * OANDAASIAPA
PAYPAL * CAPITALROYA
PLUS500
Buffs:
  • Effective 1 July 2025:
    • the additional cashback cap is increased from S$100 to S$120 monthly
    • an added additional cashback category: Groceries (MCC 5411) for Tier 2 & 3
Nerfs: 
  • Effective 1 July 2025 (by the next qualifying quarter for existing):
    • the minimum spend for Tier 1 will be increased to S$600, capped at S$60. 
    • transaction count is increased from 5 to 10 per month
  • Effective 1 August 2025:
    • UOB Travel and DFI Retail Group (7- Eleven, Cold Storage, CS Fresh, Giant, Guardian, Jasons, Jasons Deli, Marketplace and CART) will no longer earn cashback.
Advantages:
  • 3.33% base cashback on all qualifying retail spend – so you know minimally, you will get 3.33% cashback without tracking
  • quite easy requirements of 5 transactions per month – just take bus/mrt rides 5 times!
  • can double dip on UOB One Account interest with one spending
  • Great for petrol savings with SPC
 
Disadvantages:
  • need three months of consistent spending to get quarterly cashback
  • after the update, must perform 10 transactions 
  • AXS payments are excluded from all rewards
  • Cashback is based on S$600, S$1000 and S$2000. Even if you spend S$800, you will only get cashback based on S$600 tier.
  • Does utility bills qualify for cashback and UOB One account interest minimum spend: Yes if you do not pay via AXS. Download SP App and pay via the app directly.
  • Are insurance eligible for cashback and does it count into the min spend for cashback on UOB One Credit Card?: No, transactions tagged under MCC 6300 (Insurance Sales/Underwrite) are not considered as purchases, hence, they are not eligible for cashback and will not count into the minimum spend accumulation for cashback. You may refer to uob.com.sg/onetncs for the full list of exclusions. However, card spend tagged under insurance are eligible to earn bonus interest for UOB One Account.

Final Thoughts:

This card is a perfect complementary credit card to UOB One account holders who may just want to hit the lowest minimum spend requirement to get the highest interest on their savings account. After hitting the minimum spend requirement, you can move on to using your other credit cards for higher cashback. 

💳 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.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

You may have missed…

upb ppv cardface with mountain background
maribank cardface with landscape background

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 2025

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 31, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 2025

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 31, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

UOB One Card

NIL

UOB One Card

  • Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

    • Base cashback:
      • S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
    • Additional cashback (capped at S$120 per statement month):
      • Selected Partners: 5%
      • Grocery (MCC 5411): 2.67% – only for Tier 2
  • Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:

    • Base cashback: 3.33% cashback (capped at S$200 per quarter)
    • Additional cashback (capped at S$120 per statement month):
      • Selected Partners: 6.67%
      • Grocery (MCC 5411): 4.67%

Tier 1
Tier 2
Tier 3
Minimum Spend
S$600
S$1,000
S$2,000
Minimum Transaction Count
10
10
10
Base Cashback per quarter
3.33% (S$60 cashback)
3.33% (S$100 cashback)
3.33% (S$200 cashback)
Additional Cashback on Selected Spends
5%
5%
6.67%
Additional Cashback on Grocery Spend New
2.67%
4.67%
Total
up to 8.33%
up to 8.33%
up to 10%
These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)
  • Earn up to 22.66% fuel savings at Shell and SPC
  • Earn 4.33% cashback on Singapore Power utilities bills

 

Annual Fee
  • S$196.20, waived for the first year

 

Income Requirement
  • S$30,000 (locals/PRs); S$40,000 (foreigners)

 

When Cashback is Credited
  • The Quarterly Cashback for a given a quarter will be credited to the card account in the next statement month following the end of that quarter.

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

uob ppv cardface

UOB Preferred Platinum Visa

NIL

uob ppv cardface

UOB Preferred Platinum Visa Card

    • Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,110 per calendar month
    • Earn 0.4 miles per dollar on other spendings
    • Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
      • Apple Pay
      • Google Pay
      • Samsung Pay (excluding MST)

     
    Annual Fee
    • S$196.20, first year waived

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    Points Expiry
    • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

     

    Terms and Conditions

    Read Full Review

    Mari Credit Card

    • Get up to 10% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
    • You must be among the first 500,000 New Mari Credit Card Holders
    • Must be a new-to-bank customer
    • Valid until 31 December 2025
    • Read Terms and Conditions here

    Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

    Mari Credit Card

    • Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only)
    • Earn 1.7% Unlimited Cashback on eligible card spend
    • No minimum monthly spend requirement and no maximum cashback cap

     

    Annual Fee
    • None

     

    Income Requirement
    • S$30,000 (Singaporeans or PR)

     

    When is Cashback Credited
    • It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

     

    1.7% Cashback Terms and Conditions

    3% Shopee Coins

    3% Overseas Spend

    Read Full Review