UOB One Card
Up to 10% on selected partners like Shopee, MRT/Bus, McDonald's and Grab
UOB One Card
UOB
- Base rate
- 3.3% on uncategorised spend
- Minimum monthly spend
- S$600 to unlock category rates
- Monthly cashback cap
- S$67/month
- Annual fee
- S$196.20 · First year waived
- Minimum income
- S$30,000
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View card details → [Affiliate]Cashback rates
As of April 2026Online
Up to 10% on Shopee, Grab, CDC, UOB Travel
10%
Transport
MRT, Bus and Grab
10%
Groceries
On all groceries
8%
Other / uncategorised
Default rate on spend outside listed categories.
3.3%
Common exclusions: Insurance, Education, Government payments, Top-ups (e-wallets)
Highlights
- checkUp to 10% on selected partners like Shopee, MRT/Bus, McDonald's and Grab
- checkRequires consistent monthly spend based on tiers (S$600/S$1,000/S$2,000) for an entire quarter
- checkS$600 tier: max cashback of S$60 per quarter
- checkS$1,000 tier: max cashback of S$100 per quarter
- checkS$2,000 tier: max cashback of S$200 per quarter
Cashback is projected from your spend per category.
Total monthly
S$2,250
Calculated locally. Adjust the sliders to project your cashback on this card.
Projected cashback on UOB One Card
S$608net / year
Effective rate 2.25% on S$27,000 annual spend
Per-category projection
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Frequently asked questions
How much cashback does the UOB One Card earn?
The UOB One Card earns 10% on online, 10% on transport, 8% on groceries, with 3.3% on other eligible spend.
Is there a minimum monthly spend on the UOB One Card?
Yes. UOB requires a minimum monthly spend of S$600 to unlock the bonus cashback rates. Below this threshold, eligible spend earns 3.3% for the month.
What is the monthly cashback cap?
Total cashback on the UOB One Card is capped at S$67 per month. Once this cap is reached, additional eligible spend in the same month does not earn further cashback.
What is the annual fee on the UOB One Card?
The UOB One Card has an annual fee of S$196.20 — first year waived.
What spend does not earn cashback?
UOB typically excludes insurance, education, government payments, top-ups (e-wallets) from cashback eligibility on the UOB One Card. Refer to the official terms for the full exclusions list.
Are the cashback rates guaranteed?
No. Banks update cashback rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings.
Terms and conditions apply.
Last verified: April 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 April 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.