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 20% cashback on dining, groceries, transport, online
- +~10% cashback on the ongoing standard tier
- +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, not flat
- −Headline 20% is spend-tiered + partly a new-customer boost
| Annual fee | S$196.20as of 16 Jun 2026 |
|---|---|
| Cashback | Up to 20% on dining, groceries, transport & online (spend-tiered; ~10% ongoing standard tier)as 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