UOB One Card — Up to 6.67% Grab/MRT & Shopee
Earns up to 16.7% on grab, mrt & bus (intro), up to 16.7% on mcdonald's (intro), up to 16.7% on shopee singapore (intro), up to 14.7% on groceries (intro), up to 1.7% on shell, and up to 1% on singapore power — on the max tier. Use the simulator to see your projected annual cashback.
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First-year: S$1,275 (includes a 3-month introductory rate)
Ongoing: ~S$1,134 / year
Introductory rates apply only to eligible new cardholders for the first 3 months.
| Category | Effective rate | Cashback |
|---|---|---|
| McDonald's· 10% of dining | 1.7% (months 1–3) → 0.67% (ongoing) | S$3 |
| Groceries | 14.7% (months 1–3) → 4.7% (ongoing) | S$13 |
| Shopee Singapore· 40% of shopping & online | 6.7% (months 1–3) → 2.7% (ongoing) | S$23 |
| All other categories (base rate) | 0.03% | S$1 |
| Quarterly cashback (split to 3 months) | S$67 | |
| Monthly cashback | S$106 | |
| First-year cashback | S$1,275 | |
Intro promo adds up to S$120/mo on top of the tier cap during the introductory months (1–3).
Merchant coverage applied — tune the percentages in “Adjust merchant coverage” under Your monthly spending.
Enjoy enhanced cashback of up to 20% on your first spend quarter if you are a new UOB Credit Card member
Show termsHide terms
The Promotion is open to new‑to‑UOB credit card customers who apply and are approved for a UOB One Credit Card from 15 May 2026 to 30 September 2026. Eligible cardmembers who meet minimum spend requirements will receive Enhanced Cashback on qualifying transactions during the first quarter from their card approval date. Cardmembers who are awarded the S$60 Quarterly Cashback will receive an enhanced 5% cashback on McDonald’s, Grab, Shopee and SimplyGo transactions only. Cardmembers who are awarded the S$100 Quarterly Cashback will receive an enhanced 5% cashback on McDonald’s, Grab, Shopee, SimplyGo and grocery transactions. Cardmembers who are awarded the S$200 Quarterly Cashback will receive an enhanced 10% cashback on McDonald’s, Grab, Shopee, SimplyGo and grocery transactions. Enhanced Cashback is capped at S$120 per statement month in the first quarter from card approval date. Exclusions apply.
The information above is a summary and may be incomplete or outdated.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.
Terms and conditionsopen_in_new
Applyopen_in_new- •0.03% base rate on all eligible spend
- S$600+/mo tier:
- •5% on Grab, MRT & Bus (10% intro for first 3 months) (capped at S$120/mo) — Grab (excluding wallet top-ups) and MRT/Bus SimplyGo transactions
- •5% on McDonald's (10% intro for first 3 months) — McDonald's transactions.
- •5% on Shopee Singapore (10% intro for first 3 months) — Shopee Singapore transactions (excluding ShopeePay wallet top-ups).
- •1% on Singapore Power — Singapore Power transactions.
- •Fixed S$60 cashback per quarter, unconditional
- S$1,000+/mo tier:
- •5% on Grab, MRT & Bus (10% intro for first 3 months) — Grab (excluding wallet top-ups) and MRT/Bus SimplyGo transactions
- •5% on McDonald's (10% intro for first 3 months) — McDonald's transactions.
- •5% on Shopee Singapore (10% intro for first 3 months) — Shopee Singapore transactions (excluding ShopeePay wallet top-ups).
- •2.7% on Groceries (7.7% intro for first 3 months) — All grocery transactions at Grocery Stores/Supermarket merchants.
- •1% on Singapore Power — Singapore Power transactions.
- •Fixed S$100 cashback per quarter, unconditional
- S$2,000+/mo tier:
- •6.7% on Grab, MRT & Bus (16.7% intro for first 3 months) — Grab (excluding wallet top-ups) and MRT/Bus SimplyGo transactions.
- •6.7% on McDonald's (16.7% intro for first 3 months) — McDonald's transactions.
- •6.7% on Shopee Singapore (16.7% intro for first 3 months) — Shopee Singapore transactions (excluding ShopeePay wallet top-ups).
- •4.7% on Groceries (14.7% intro for first 3 months) — All grocery transactions at Grocery Stores/Supermarket merchants.
- •1.7% on Shell — Shell transactions.
- •1% on Singapore Power — Singapore Power transactions.
- •Fixed S$200 cashback per quarter, unconditional
- •Intro bonus capped at S$120/mo additionally to the tier cap during the first 3 months
- •Total monthly cashback capped at S$120
- •Annual fee: S$196.20 (First year waived)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- UOB Complimentary Travel Insurance
Complimentary travel insurance coverage that extends to the Cardmember’s spouse and dependent children.
- Shell and SPC Petrol Savings
Enjoy petrol savings of up to 22.66% at Shell and SPC.
- UOB Rewards+
Access to over 13,000 deals on dining, shopping, travel, and more via UOB Rewards+.
- 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 8% 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
Show eligibility detailsHide eligibility details
Applicants must be Singapore Citizens, Permanent Residents, or foreigners aged 21 and above. Fixed Deposit collateral of at least S$10,000 For SG citizens: Minimum annual income of S$30,000 (55 years old and below) Minimum annual income of S$15,000 (56 years old and above)
- •The annual fee of S$196.20 is waived in the first year.
- •At Tier 3 (S$2,000+ monthly spend), cashback rates reach up to 6.67% on Grab, SimplyGo, McDonald's, and Shopee Singapore transactions.
- •Petrol savings of up to 22.66% are available at Shell and SPC petrol stations.
- •Complimentary travel insurance coverage is included, extending to the cardholder's spouse and dependent children.
- •Cardholders have access to over 13,000 deals on dining, shopping, and travel via UOB Rewards+.
- •Cashback is only earned on qualifying spend when a minimum monthly spend of S$600 is met; the base cashback rate without meeting any tier is 0.03%.
- •Bonus monthly cashback cap is up to S$120 across all tiers, regardless of how much is spent.
- •Minimum spend thresholds and cashback caps are evaluated on a quarterly cycle, not monthly.
- •A large number of merchant categories are excluded from cashback earning, including government services, educational institutions, hospitals, gambling, AXS transactions, and various quasi-cash MCCs.
- •The foreign transaction fee is 3.25%, and the late payment fee is S$100.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the UOB One Card.
- •Cash advances
- •Interest, fees and charges (including late payment charges, annual or monthly fees)
- •Balance and/or funds transfers
- •Cancelled, voided or reversed transactions
- •Monthly instalments under 0% Instalment Payment Plan and SmartPay
- •Amounts approved under UOB Payment Facility and associated fees
- •Grab mobile wallet top-up transactions
- •Shopee Pay wallet top-up transactions
- •Wire Transfer/Remittance (MCC 4829)
- •Nondurable Goods (MCC 5199)
- •Direct Marketing - Insurance Services (MCC 5960)
- •Direct marketing – Combination Catalog and Retail Merchants (MCC 5965)
- •Cigar Stores and Stands (MCC 5993)
- •Member Financial Institution – Merchandise and Services (MCC 6012)
- •Quasi Cash – Financial Institutions (MCC 6050)
- •Quasi Cash – Merchant Non-Financial Institutions (MCC 6051)
- •Securities – Brokers and Dealers (MCC 6211)
- •Insurance Sales/Underwrite (MCC 6300)
- •Real Estate Agents & Managers – Rentals (MCC 6513)
- •Quasi Cash-Remote Stored Value Load-Financial Institute (MCC 6529)
- •Quasi Cash-Remote Stored Value Load-Merchant (MCC 6530)
- •Quasi Cash-Remote Money Transfers (MCC 6534)
- •Stored Value Card Purchase/Load (MCC 6540)
- •Clean/Maint/Janitorial Serv aka Property Management (MCC 7349)
- •Quasi Cash – Truck Stop Trxns (MCC 7511)
- •Automobile Parking Lots and Garages (MCC 7523)
- •Gambling (MCC 7995)
- •Hospitals (MCC 8062)
- •Schools, Elementary and Secondary (MCC 8211)
- •Colleges, Universities, Professional Schools (MCC 8220)
- •Schools, Correspondence (MCC 8241)
- •Schools, Business and Secretarial (MCC 8244)
- •Schools, Trade and Vocational (MCC 8249)
- •Schools and Educational Services (MCC 8299)
- •Organizations, Charitable and Social Service (MCC 8398)
- •Organizations, Religious (MCC 8661)
- •Organisations, Political (MCC 8651)
- •Membership Organizations (MCC 8699)
- •Professional Services (MCC 8999)
- •Court Costs including Alimony and Child Support (MCC 9211)
- •Fines (MCC 9222)
- •Bail and Bond Payments (MCC 9223)
- •Tax Payment (MCC 9311)
- •Government Services (MCC 9399)
- •Postal Services – Government Only (MCC 9402)
- •Intra-Government Purchases (MCC 9405)
- •AXS transactions
- •EZ-Link/EZLINK/FLASHPAY/NETSFLASHPAY transit top-up transactions
- •IPAYMY transactions
- •CardUp transactions
- •RazerPay transactions
- •SINGPOST-SAM transactions
- •Various forex/CFD trading platforms (OANDA, PLUS500, Saxo, IG Markets, Skrill, etc.)
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 One Card
The UOB One Card is a tiered cashback card from UOB. Base-tier earning is 0.03% on every eligible dollar. At its top qualifying tier (S$2,000/mo+), the card reaches up to 6.7% on grab, mrt & bus, 6.7% on mcdonald's, 6.7% on shopee singapore, 4.7% on groceries, and 1.7% on shell. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Cashback breakdown
At the base tier, the UOB One Card earns 0.03% on every eligible dollar. From S$600/mo qualifying spend, the card earns 5% on grab, mrt & bus, 5% on mcdonald's, 5% on shopee singapore, and 1% on singapore power. From S$1,000/mo qualifying spend, the card earns 5% on grab, mrt & bus, 5% on mcdonald's, 5% on shopee singapore, 2.7% on groceries, and 1% on singapore power. From S$2,000/mo qualifying spend, the card earns 6.7% on grab, mrt & bus, 6.7% on mcdonald's, 6.7% on shopee singapore, 4.7% on groceries, 1.7% on shell, and 1% on singapore power. Total monthly cashback is capped at S$120.00, after which additional spend in the same statement month earns nothing.
Where this card earns the most
The UOB One Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$2,000/mo+), the calculator returns higher projected monthly cashback for grab, mrt & bus, mcdonald's, shopee singapore, groceries, shell, and singapore power spend than for cards without those bonuses. Below the lowest tier (S$600/mo), every eligible dollar earns the 0.03% base rate.
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Frequently asked questions
Is the UOB One Card worth it?
The UOB One Card earns 0.03% cashback on general spend and up to 6.7% on dining and 6.7% on shopping & online, with a S$196.20 annual fee (First year waived). Bonus rates require at least S$600 in monthly spend and total cashback is capped at S$120 per month. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the UOB One Card for?
The UOB One Card suits frequent diners, online shoppers, and daily commuters — it earns up to 6.7% on dining, 6.7% on shopping & online, and 6.7% on transport. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with travel insurance.
How much cashback does the UOB One Card earn?
The UOB One Card has 4 earning tiers in total. At the base tier, every eligible dollar earns 0.03%. From S$600/mo qualifying spend, the card earns 5% on grab, mrt & bus, 5% on mcdonald's, 5% on shopee singapore, and 1% on singapore power. From S$1,000/mo qualifying spend, the card earns 5% on grab, mrt & bus, 5% on mcdonald's, 5% on shopee singapore, 2.7% on groceries, and 1% on singapore power. From S$2,000/mo qualifying spend, the card earns 6.7% on grab, mrt & bus, 6.7% on mcdonald's, 6.7% on shopee singapore, 4.7% on groceries, 1.7% on shell, and 1% on singapore power.
Is there a minimum monthly spend?
There's no single minimum spend — the UOB One Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$600/mo+ the card unlocks 5% on grab, mrt & bus, 5% on mcdonald's, 5% on shopee singapore, and 1% on singapore power. At S$1,000/mo+ the card unlocks 5% on grab, mrt & bus, 5% on mcdonald's, 5% on shopee singapore, 2.7% on groceries, and 1% on singapore power. At S$2,000/mo+ the card unlocks 6.7% on grab, mrt & bus, 6.7% on mcdonald's, 6.7% on shopee singapore, 4.7% on groceries, 1.7% on shell, and 1% on singapore power. Below the lowest tier, the card earns the base 0.03% rate.
What is the monthly cashback cap?
Total cashback on the UOB One Card is capped at S$120.00 per month. Once this cap is reached, additional eligible spend in the same month does not earn further cashback.
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.