UOB Absolute Cashback Card — Up to 1.7% Limitless Cashback
Earns 1.7% flat on all eligible spend. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| All other categories (base rate) | 1.7% | S$36 |
| Monthly cashback | S$36 | |
| Annual cashback | S$428 | |
- •1.7% base rate on all eligible spend
- •Uncapped — no monthly cap on total cashback earned
- •Annual fee: S$196.20 (First year waived)
- Complimentary Travel Insurance
Public Conveyance Personal Accident coverage and Emergency Medical Assistance of S$500,000, and Emergency Medical Evacuation & Repatriation coverage up to S$50,000 due to an accident or illness. Coverage extended to cardholder's spouse and dependent child(ren) from 1 January 2024. Opt-in required before departure.
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Cardmember must opt-in to activate complimentary travel insurance coverage before departure of trip.
- SLH Club 02 Membership
Complimentary 12-month Small Luxury Hotels of the World (SLH) Club 02 membership, with benefits including daily complimentary continental breakfast, room upgrades, and exclusive SLH Club rates at handpicked boutique hotels worldwide.
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Enrolment required. Terms and Conditions apply.
- UOB Rewards+ on UOB TMRW
Exclusive access to UOB Rewards+ on the UOB TMRW mobile app, featuring weekly UOB Coupons, shopping offers, travel deals, dining promotions, and more.
- Annual fee
- S$196.20First year waived
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28.5%
- Cash advance service charge
- S$15 or 6% of amount withdrawn, whichever is greater
- Minimum payment
- 3% of current balance or S$50, whichever is higher, plus any overdue amounts
- Interest-free period
- 21 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$40,000
- Minimum age: 21
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Singaporean/PR 55 years old and below: minimum annual income of S$30,000 Singaporean/PR aged 56 and above: minimum annual income S$15,000 Foreigners: minimum annual income of S$40,000 Fixed Deposit collateral of minimum S$10,000 accepted for both citizens/PRs and non-Singaporeans.
- •Earns 1.7% cashback on all eligible American Express merchant transactions with no category restrictions.
- •The S$196.20 annual fee is waived for the first year.
- •Includes complimentary travel insurance covering Public Conveyance Personal Accident and Emergency Medical Assistance up to S$500,000, and Emergency Medical Evacuation & Repatriation up to S$50,000 — extended to the cardholder's spouse and dependent child(ren) from 1 January 2024.
- •Comes with a complimentary 12-month Small Luxury Hotels of the World (SLH) Club 02 membership, which includes daily complimentary continental breakfast, room upgrades, and exclusive SLH Club rates.
- •Provides access to UOB Rewards+ on the UOB TMRW mobile app, featuring weekly UOB Coupons and promotions across shopping, travel, and dining.
- •Earns 0.3% cashback on transactions in categories commonly excluded from rewards programmes, such as utilities, telco bills, school fees, healthcare, charity, and Grab wallet top-ups.
- •Cashback is not earned on NETS and NETS-related transactions, 0% Instalment Payment Plans, SmartPay, Personal Loans, balance/funds transfers, cash advances, or any UOB-imposed fees and charges.
- •The card network is American Express, which limits acceptance to merchants that specifically accept AMEX payments.
- •Foreign currency transactions carry a fee of 3.25% of the transaction amount.
- •Complimentary travel insurance requires the cardholder to opt in before departure to activate coverage.
- •The interest-free period is 21 days, and unpaid balances are subject to a purchase interest rate of 27.8% per annum.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the UOB Absolute Cashback Card.
- •Transactions at all merchants who accept American Express credit card payments are eligible for cashback.
- •However, it does not include NETS and NETS-related transactions, 0% Instalment Payment Plans, SmartPay, Personal Loans, balance/funds transfers, cash advances, any fees and/or charges (including without limitation, late payment charges, interest charges, annual or monthly fees or charges, service fees or processing fees) imposed by UOB.
The information above is a summary and may be incomplete or outdated. Always refer to UOB's official terms and conditions for the authoritative version.
About the UOB Absolute Cashback Card
The UOB Absolute Cashback Card earns a flat 1.7% cashback on all eligible spend — no categories, no tracking. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Cashback breakdown
Every dollar spent on the UOB Absolute Cashback Card earns 1.7% — a flat rate across all eligible categories. At S$2,000/mo, that's roughly S$408.00 cashback per year before any caps.
Where this card earns the most
The UOB Absolute Cashback Card earns a uniform rate across all eligible categories — no category tracking required. The projected rate stays flat regardless of how spend is split.
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Frequently asked questions
Is the UOB Absolute Cashback Card worth it?
The UOB Absolute Cashback Card earns a flat 1.7% cashback on all eligible spend, with a S$196.20 annual fee (First year waived). It has no minimum spend and no monthly cashback cap. Its value depends on your total monthly spend — project your cashback with the calculator above.
Who is the UOB Absolute Cashback Card for?
The UOB Absolute Cashback Card suits everyday spenders who want a uniform rate without tracking categories — it earns 1.7% on all eligible spend.
How much cashback does the UOB Absolute Cashback Card earn?
The UOB Absolute Cashback Card earns a flat 1.7% on all eligible spend.
What is the annual fee?
S$196.20, First year waived.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.