• Min. Monthly Income


  • Interest Rate

    25.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Up to 5% cash rebate on all spends
  • SMART$ rebate up to 10% across with participating merchants
  • Petrol savings of up to 24% at selected petrol stations


  • Up to 24% off on petrol at SPC
  • Up to 20.8% fuel savings at Shell
  • Up to 5% rebate on petrol spend


  • Up to 5% rebate on shopping spend
  • Up to 10% instant SMART$ rebates at over 400 merchants


  • Up to 5% rebate on dining spend
  • 1-for-1 dining deals at participating restaurants including hotels


  • Up to 5% cash rebate on groceries spend
  • 0.3% additional SMART$ rebate at Giant, Cold Storage and Guardian


  • 2% SMART$ rebate at Cathay Cineplexes
  • Up to 5% rebate on entertainment spends

Other Features

  • PayWave ready
  • Earn up to 3.33% p.a. interest with UOB One Account

Card Information

Annual Fee $192.60
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

21 and above

Fee for supplementary holder S$96.30
Finance charges 25.90% p.a.
Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge


Cash advance amount

Up to 75% of your credit limit; ATM withdrawals up to S$3,000 a day

Cash advance charge

S$15 or 6% of withdrawal amount

Cash advance interest charge

28% per annum on cash advance amount

Cashback Limit

S$100 a month

Rewards points expiry


Product Review by iMoney Singapore

Cashback Abundance

To celebrate ONE Card’s 10th birthday, it is packed with more rebates than ever. Enjoy up to 5% cash rebate on all spending such as groceries, dining, recurring bills and petrol and other expenditures. Spend at least S$2,000 in minimum 5 purchases for 3 consecutive months to enjoy up to 5% cash rebate on all spends (otherwise cash rebate is going to be 3.33%) and register with UOB through SMS to participate for additional 10% rebate on mobile payments.

Aside from cash rebates, cardmembers can expect a suite of privileges ranging from fuel to groceries across UOB’s global network. Featuring the best fuel savings of up to 24% at SPC and up to 30% savings on dining, entertainment and shopping with UOB Privileges Passport. Now you can explore the world just like a local!

Lastly, top it off with UOB SMART$ Rebate Programme, which gives rebates of up to 10% instantly to offset next purchase at over 400 participating outlets islandwide. Giving a boost to the savings you can benefit this card.

Become one of the first 600 applicants to apply online and receive up to S$100 cash credit in your new UOB ONE Card. Spend a minimum of S$600 within 30 days from card approval date and receive S$80 cash credit if you were a new-to-bank customer. Receive extra S$20 cash credit by opening a new UOB One Account online, and deposit a minimum of S$10,000 fresh funds into it.

Fees and Charges

Annual fee for principal card is S$192.60 and supplementary card is S$96.30. Interest rate is 25.9% per annum whilst late payment charge is S$60. Minimum monthly payment will be 3% of current balance or S$50 (whichever higher). Cash advance charges will be S$15 or 6% of withdrawal amount, whichever is higher.

Are You Eligible For The UOB One Card?

You must have a monthly income of at least S$2,500 (for Singaporeans and Singapore permanent residents) or S$3,333 (for foreigners). Minimum age for principal applicants must be at least 21 years of age, and 18 for supplementary applicants.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as UOB Visa Signature Card and Citi Cash Back Card, which may match your requirements. If you prefer to broaden your credit card search, review more UOB credit cards and start comparing today!