Compare UOB Cashback Credit Cards
2 United Overseas Bank cashback cards ranked side-by-side at your monthly spend.Last updated May 2026
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Data updated as of May 2026.
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Data updated as of May 2026.
Cashback figures are estimates based on the spending you entered, assumed steady across the year and within each issuer’s eligible-transaction definitions. Each card’s monthly cashback cap, annual fee and minimum monthly spend are displayed on every row and factored into the ranking shown. Promotional sign-up bonuses, first-year fee waivers (beyond the configured first-year window) and merchant exclusions are not modelled. SGfi is an educational platform and is NOT a licensed financial advisor under the Monetary Authority of Singapore (MAS). We do not accept payment for placement — rows are ordered strictly by the sort you choose.
About United Overseas Bank's cashback cards
UOB runs one of the deepest card lineups in Singapore — flat-rate workhorses like PRVI Miles, tiered specialists like One and Lady's, and the KrisFlyer co-brand for direct Singapore Airlines crediting. This page filters the full SGfi cashback-card comparison to just UOB's lineup, with the same calculator-based ranking, identical published rates and caps, and the same projected-cashback formula applied across cards. Use the bank chips above to widen the comparison to other issuers.
SGfi tracks 2 UOB cashback cards in this comparison: UOB Absolute Cashback Card and UOB One Card. Across the lineup, all carry an annual fee of S$196.20, base rates run from 1.7% to 3.3%, and top category bonuses reach 8.3% on eligible spend. Use the input sidebar to rank the cards by projected annual cashback at your monthly spend profile.
How cashback is calculated
Card rankings on this page are dynamically calculated using the latest 2026 cashback metrics, category spending caps, minimum income thresholds, and active annual fees sourced from official banking portals in Singapore. The system projects estimated monthly and yearly cashback returns by parsing your configurable monthly spend across common categories (e.g., dining, travel, local retail) against each card's unique matrix. Spending limits are factored into the calculation algorithm to provide realistic projections. These projections are for illustrative purposes only and do not constitute financial advice.
Card summary table
Flat reference of every cashback card included on this page. Tap a card name to open its full review.
| Card | Issuer | Base rate | Top bonus | Annual fee | Min spend |
|---|---|---|---|---|---|
| UOB Absolute Cashback Card | UOB | 1.7% | — | S$196.20 | None |
| UOB One Card | UOB | 3.3% | 8.3% | S$196.20 | S$600 |
Frequently asked questions
Which UOB cashback credit cards does SGfi compare?
SGfi currently compares 2 United Overseas Bank cashback cards: UOB Absolute Cashback Card and UOB One Card. Each is ranked by projected annual cashback at the monthly spend you enter on the calculator above.
Which UOB cashback card has the lowest annual fee?
The UOB Absolute Cashback Card has the lowest annual fee at S$196.20 per year among the UOB cashback cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which UOB cashback card has the highest base rate?
The UOB One Card has the highest base rate at 3.3%. Some other UOB cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
Which UOB cashback cards require no minimum monthly spend?
UOB Absolute Cashback Card earns at the published rates with no minimum monthly spend. The remaining UOB cashback cards require between S$600 and S$600 per month to unlock the headline rate.
How do the UOB One Card quarterly tiers work?
UOB One requires a consistent monthly spend across all three months of a quarter (S$600, S$1,000, or S$2,000) — to unlock that tier's base cashback (paid quarterly). Specialist-category bonuses (Shopee, MRT/Bus, McDonald's, etc.) are paid monthly and stack on top.
How do monthly cashback caps work?
Most Singapore cashback cards limit how much cashback you can earn per month — either per category or in total. Once the cap is reached, additional spend in that category earns the base rate or no further cashback for the month.
What counts as eligible spend?
Banks typically exclude insurance premiums, education, government payments, charitable donations, and certain utility bills. Check each card's exclusion list before relying on the projected cashback.
What happens if I do not meet the minimum monthly spend?
Cards with a minimum spend requirement fall back to a lower rate (often around 0.2% to 0.3%) for the month if you do not hit the threshold. The calculator applies this fallback automatically.
How does the annual fee waiver work?
Some cards waive the annual fee from year two onwards if you spend above a certain annual amount.
Are these rates guaranteed?
No. Banks change cashback rates, caps, and eligible categories regularly. The numbers shown are projections based on rates verified at the date noted, not guarantees of future earnings.
Last verified: May 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All cashback values are projections based on published bank rates as of May 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.