UOB One Card
High everyday cashback for consistent monthly spenders across daily categories.
- Issuer
- UOB
- Network
- Visa
- Rewards
- Cashback
- Annual fee
- Annual fee, often waivable
DiningGroceriesTransportOnline shoppingGeneral spend
Pros
- +Up to 10% cashback on selected merchants (Grab, McDonald's, SimplyGo, Shopee) plus groceries, with monthly minimum spend
- +Rewards consistent monthly spenders across everyday categories
- +Visa-based, so wide acceptance in SG and overseas
- +First-year annual fee waived
Cons
- −Annual fee S$196.20 from year two onwards
- −Top rates need consistent minimum quarterly spend
- −The 20% headline is a limited new-customer promo (first quarter); standing max ~10%
| Annual fee | S$196.20as of 16 Jun 2026 |
|---|---|
| Cashback | Up to 10% on selected merchants (Grab, McDonald's, SimplyGo, Shopee) plus bonus cashback on groceries, with monthly minimum spend; ~0.2% on other retail spendas of 16 Jun 2026 |
| Min. income (S'porean/PR) | S$30,000/yras of 16 Jun 2026 |
| Min. income (foreigner) | S$40,000/yras of 16 Jun 2026 |
Eligibility: Age 21+. Seniors 56+ need only S$15,000; or S$10,000 fixed-deposit collateral instead of income.
Who it’s for
The UOB One Card is a cashback card from UOB, best suited to people who spend on dining, groceries, transport, online shopping and general spend. It carries an annual fee that can often be waived. Confirm the current terms before applying.
View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.
Sources
Last reviewed 16 Jun 2026.
Other cashback cards
- OCBC 365 Credit Card — OCBC
- Citi Cash Back Card — Citibank
- Maybank Family & Friends Card — Maybank