UOB One Card
- APR
- 27.8% – 27.8%
- Annual Fee
- $196.20
- Rewards
- Up to 10.0%
The UOB One Card offers up to 10% cashback on everyday essentials like Grab and McDonald's, plus generous rates on groceries and retail.
You'll be redirected to uob.com.sg
Our Verdict
This card is great for those who frequently spend on daily essentials, particularly food and transport. However, the requirement of a minimum S$600 monthly spend across 10 transactions may not suit everyone.
Pros
- Up to 10% cashback on daily essentials
- Generous 18% cashback on groceries
- First year annual fee waived
- Up to 22.66% petrol savings at Shell/SPC
- Wide acceptance via Visa network
Cons
- S$196.20 annual fee after the first year
- Minimum spend of S$600 required monthly
- High APR of 27.8%
- Limited rewards on non-essentials
- Cashback may be capped based on spend categories
The UOB One Card presents an attractive cashback structure with up to 10% on daily essentials like Grab and McDonald's. For grocery shoppers, the 18% cashback is for those prioritising everyday spending.
Nevertheless, the S$196.20 annual fee after the first year is significant, especially if you don't consistently meet the S$600 monthly spend threshold across 10 transactions. Users should evaluate whether their spending habits align with the card's requirements.
While the card offers up to 22.66% savings on petrol, it lacks rewards for non-essential purchases, making it less suitable for casual spenders. The 27.8% APR is also on the higher side, for those carrying a balance.
According to UOB's site, this card provides a solid cashback potential, but we advise those with fluctuating expenses to consider alternatives that offer broader rewards categories without stringent spend limits.
Watch Out
Be mindful of the S$600 minimum spend requirement, which could limit rewards if your spending habits vary.
Best For
This card is best for Singaporeans who regularly spend on groceries, dining, and transport services.
You'll be redirected to uob.com.sg
