UOB One Credit Card

UOB One Credit Card


  • Enjoy up to 15% cashback on Dairy Farm International, Grab, Shopee, and UOB Travel transactions. Applicable to new-to-UOB Credit Card customers only. Terms and Conditions apply.
  • Earn up to 10% cashback on your bus or train rides, online shopping, Grab, and other merchant partners.
  • Earn up to 4.33% cashback on Singapore Power bills.
  • Earn 3.33% on all other eligible transactions.

Pros and cons


  • 1st-year annual fee is waived.
  • Up to 7.8% p.a. interest on UOB One Account+ when you use your UOB One Credit Card.
  • Savings of up to 22.66% when you fuel up at Shell and SPC.
  • Supports Apple Pay, Google Pay, and Samsung Pay.


  • After the initial year, you will be charged an annual fee of S$194.40.
  • A minimum monthly spend on 5 purchases or more is required to qualify for the cashback.
  • The base cashback is capped.

The basics

  • Additional cardholders. The 1st additional card is complimentary. However, if you wish to add more, there will be a S$97.20 fee per card.
  • Digital wallets. The UOB One Credit Card is supported by Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. UOB One Credit Card allows you to make gambling-related transactions.

Rewards and benefits

  • Complimentary travel insurance. The UOB One Credit Card does not offer complimentary international travel insurance.
  • Concierge services. The UOB One Credit Card does not come with a concierge service
  • Insurances. This card offers Public Conveyance Personal Accident and Emergency Medical Assistance, Evacuation, and Repatriation coverage.
  • Rewards points. This credit card does not have a rewards program.
  • Sign-up bonus. UOB offers a sign-up bonus worth up to S$460 on this card.

Rates and fees

  • Annual fee. The annual fee for this card is $194.50 p.a. which is waived for the first year.
  • Balance transfers. This card does not currently have a balance transfer offer.
  • Cash advances. Cash advances made with the UOB One Credit Card will be charged at 28% p.a., with interest accruing from the day of the transaction. In addition to the interest rate, a one-off cash advance fee of 6% of the amount withdrawn will be charged for any cash advances made with this card.
  • Foreign exchange fee. All purchases made overseas or with an online store based outside of Singapore will incur a 3.25% foreign exchange fee.
  • Interest-free period. The UOB One Credit Card offers up to 21 days interest-free on purchases (excluding cash advances) if you have paid off your previous balance or made the minimum required payments.
  • Purchases. The UOB One Credit Card has no introductory offer on purchases. Any purchases made will attract interest at the rate of 26.90% p.a.

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