UOB

UOB One Card

Cashback1st year fee waived

How it earns

Quarterly cashback of S$60, S$100 or S$200 if you spend S$600, S$1,000 or S$2,000+ AND make 10+ transactions every statement month of the quarter
Extra 5–6.67% at Grab, McDonald's, Shopee and SimplyGo; extra 2.67–4.67% at supermarkets (higher tiers); capped S$120 a month

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$576	S$380	6 of 27
Eats out a lot S$2,050/mo	S$494	S$298	10 of 27
Frequent traveller S$3,570/mo	S$952	S$756	10 of 27
Family with a car S$3,050/mo	S$1,344	S$1,148	3 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
Annual fee	S$196.20 incl. GST
Fee waiver	First year waived; no later waiver policy stated.
Minimum income	S$30,000 (citizens & PRs) · S$40,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	—
Expiry	Unused cashback forfeited after two years
Foreign-currency fee	3.25%

Good to know

Missing the spend or 10-transaction requirement in any one month forfeits that quarter's cashback.
Our estimate assumes you meet the 10-transaction rule every month and counts only the SimplyGo and supermarket extras.

Common questions

What is the annual fee on the UOB One?

S$196.20 a year including GST, waived for the first year. First year waived; no later waiver policy stated.

What income do I need for the UOB One?

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

How much will I earn with the UOB One?

On a typical S$2,000 a month of everyday spending, about S$576 cashback a year, or S$380 after the annual fee. That ranks it 6 of 27 cards we track. Your own spending can change this a lot.

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

3.25% 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 Found something out of date?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.