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MALAYSIA 2026-09-04 VERIFIED
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CARDS / United Overseas Bank (UOB)

UOB One Credit Card

United Overseas Bank (UOB) · Singapore · CASHBACK · Verified 4 Sept 2026

ANNUAL FEE

S$196.20 (incl. GST)

First year fee waiver; 1st supplementary card free, subsequent S$98.10

INCOME REQUIREMENT

S$30,000/year (SG/PR aged 55 and below); S$15,000/year (56+); S$40,000/year (foreigners); or S$10,000 fixed deposit collateral

MILES

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■ CATEGORY RATES

general (quarterly cashback) 3.33 · CAP S$60/S$100/S$200 per quarter at S$600/S$1,000/S$2,000 monthly spend (min 10 transactions)
Grab, McDonald's, Shopee Singapore, SimplyGo 5 · CAP additional on top of quarterly cashback (6.67% at S$2,000 tier)
groceries (all, local & overseas) 2.67 · CAP additional at S$1,000 tier; 4.67% at S$2,000 tier; up to 18% total incl. promo
Singapore Power utilities 1 · CAP additional
fuel (Shell, SPC) 22.66 · CAP fuel savings (discounts, not cashback)

NOTES

Quarterly cashback model: spend S$600/S$1,000/S$2,000 per month (min 10 purchases) for 3 consecutive months to earn S$60/S$100/S$200 per quarter (up to 3.33%). Total cashback up to 10% (8.33% at lower tiers); new-to-UOB cardmembers get enhanced cashback up to 20% in first spend quarter (promo valid till 30 Sep 2026). Cashback credited quarterly. Fee effective 1 Jan 2024.

SOURCE

https://www.uob.com.sg/personal/cards/cashback/one-card.page

UOB official product page (Eligibility and Fees section), verified via browser

Verified 4 Sept 2026. Terms change — always confirm on the official site.