UOB EVOL Credit Card

UOB EVOL Credit Card


  • Earn 8% cashback for online transactions and mobile contactless spend.
  • The annual fee is waived if you meet the spending criteria.
  • Access to 1,000+ deals from fashion, dining and more.

Pros and cons


  • Get up to 8% cashback.
  • Public Conveyance Personal Accident coverage of S$500,000
  • Emergency Medical Assistance, Evacuation & Repatriation coverage up to S$50,000
  • Earn up to 2.5% interest on your savings by pairing the UOB EVOL card with the UOB One Account.


  • Cashback on all other spending is only 0.3%
  • There is a maximum cashback cap of $60 per month.

The basics

  • Additional cardholders. The first supplementary card on your UOB EVOL Credit Card is complimentary. Getting more will cost S$97.20 p.a. on each additional card.
  • Digital wallets. This card is supported by Apple Pay, Fitbit Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Gambling transactions are allowed on the UOB EVOL Credit Card.

Rewards and benefits

  • Complimentary travel insurance. The UOB EVOL Credit Card does not offer complimentary international travel insurance.
  • Concierge services. The UOB EVOL Credit Card does not come with a concierge service.
  • Insurances. The UOB EVOL Credit Card will cover your online purchase in case your purchase is not delivered within 30 days, if the item is incorrect and incomplete, and if the item is damaged at the time of delivery. Coverage is up to US$200 per claim every year.
  • Rewards points. This card allows you to earn up to 8% cashback on online spending, and mobile contactless spending via Apple Pay, Fitbit Pay, Google Pay, and Samsung Pay. All other eligible transactions will earn 0.3% cashback.
  • Sign-up bonus. UOB offers a sign-up bonus worth up to S$460 on this card.

Rates and fees

  • Annual fee. The first-year annual fee on this card is waived. The following year, you will be charged $194.40, payable on an ongoing basis.
  • Balance transfers. There is no balance transfer offer for this credit card.
  • Cash advances. A 28% p.a. interest rate will be applied to cash advances immediately from the date of the transaction. In addition to the interest rate, a cash advance fee of 8% or S$15, whichever is higher, will be charged for any cash advances made with this card.
  • Foreign exchange fee. Purchases made in a foreign currency either online or while traveling overseas will incur a 3.25% foreign transaction fee.
  • Interest-free period. Get up to 21 days interest-free on purchases when you have paid the previous balance in full or made the minimum required payment.
  • Purchases. The UOB EVOL Credit Card does not have any introductory offers on purchases. Any purchases made with the card will be charged an interest of 26.90% p.a.

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