UOB

UOB EVOL Card

Cashback

How it earns

With S$800+ a statement month: 10% on local online spend and in-store mobile payments (cap S$30)
10% at selected gyms, telcos and streaming (cap S$20)
1% on overseas foreign-currency spend (promotion to 31 Dec 2027, uncapped)
0.3% on everything else (cap S$30)

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$558	S$558	5 of 27
Eats out a lot S$2,050/mo	S$525	S$525	7 of 27
Frequent traveller S$3,570/mo	S$682	S$682	12 of 27
Family with a car S$3,050/mo	S$689	S$689	6 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Cashback card · Visa
Annual fee	No annual fee
Fee waiver	No annual fee (from 1 Jul 2026).
Minimum income	S$30,000 (citizens & PRs) · S$40,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	Monthly, rounded to the cent
Expiry	Unused cashback forfeited after two years
Foreign-currency fee	0%

Good to know

No foreign-currency admin fee from UOB; a 1% fee still applies to SGD transactions processed overseas.
Below S$800 in a month, everything earns 0.3%.

Common questions

What is the annual fee on the UOB EVOL?

There is no annual fee.

What income do I need for the UOB EVOL?

S$30,000 (citizens & PRs) · S$40,000 (foreigners).

How much will I earn with the UOB EVOL?

On a typical S$2,000 a month of everyday spending, about S$558 cashback a year, or S$558 after the annual fee. That ranks it 5 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the UOB EVOL?

0% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on UOB's own page before applying. Found something out of date? Tell us.