UOB One Card
CardIQ
Basic
Overall score, out of 100 · How this works
- Cashback68
- No annual fee27
- Rewards13
Customer reviews
No reviews yet. Be the first to review the UOB One Card.
Pros & cons
What's good
- No annual fee.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The annual fee increases from S$0 to S$196 in the second year.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- S$0 p.a.
- Card tier
- Not published
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- Not published
- Minimum age
- 21 years old
- Minimum income
- S$30,000 p.a.
- Residency
- Singaporean or Singapore PR aged 55 and below (S$30,000 a year) or 56 and above (S$15,000 a year); foreigner (S$40,000 a year); or a fixed deposit of at least S$10,000
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 28.50% p.a.
- Purchases
- 27.80% p.a.
Fees
- Additional cardholder fee
- S$0
- Annual fee
- No annual fee
- Annual fee (year 2+)
- S$196.20 p.a.
- Cash advance fee
- 8% of the amount
- Foreign transaction fee
- 3.25%
- Late payment fee
- S$100
- Over limit fee
- S$40
Repayments
- Interest-free period
- Not published
- Minimum repayment
- 3% of current balance or S$50, whichever is higher, plus any overdue amounts
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Ongoing cashback
- 3.33% on eligible spend
Quarterly cashback of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,000 of spend and at least 10 purchases in each month of the quarter (up to 3.33%); extra cashback at named merchants and on groceries (up to 10% in all) for cardmembers awarded the quarterly cashback, extra capped at S$100 a month. If no quarterly cashback is awarded in a calendar year, a base cashback of 0.03% of the year's spend is credited the next February.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Browse by card type
Compare the UOB One Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- UOB