Credit Cards

Best UOB Credit Cards in Singapore – Credit Card Reviews 2018

uob credit card review

Clara Lim

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Picking a UOB credit card isn’t easy. They have so many credit cards that they even had to make a quiz to help people figure out which credit card they should go for.

It’s a pretty mixed bag, too. While they have very solid credit cards in the cashback, air miles and rewards categories, there are also cards like the notoriously divisive UOB One Card. Let’s take a closer look at UOB’s best credit cards:

 

UOB credit cards at a glance

Credit card Benefits Things to note
UOB YOLO Card 8% cashback (weekend) and 3% (weekday) on dining, entertainment and Grab / 3% cashback on online shopping & online travel bookings Min. spend $600 / cashback cap $60 per month
UOB One Card Quarterly flat payout of $50, $100 or $300 / up to 24% savings at SPC, Shell Need to spend $500, $1,000 or $2,000 x 3 months consecutively
UOB Delight Credit Card 8% cashback on groceries / 3% cashback on contactless transactions, bills, NETS FlashPay Min. spend $800 / cashback cap $50
UOB PRVI Miles Card $1 = 1.4 miles (local) / $1 = 2.4 miles (overseas) / $1 = 6 miles (Expedia, Agoda, UOB Travel) – 
UOB Preferred Platinum Visa Card 10X rewards ($1 = 4 miles) on online spending, contactless payment Expenditure cap $1,000
UOB Lady’s Card 5X rewards ($1 = 2 miles) on shopping, taxis Min. spend $3,000 / expenditure cap $4,000
UOB Visa Signature Card 10X rewards ($1 = 4 miles) on foreign currency spend, petrol, contactless payment Min. income $50,000 p.a. / min. spend $1,000 / expenditure cap $2,000

 

UOB YOLO Card – cashback for dining, entertainment & Grab 

UOB YOLO Credit Card

UOB YOLO Credit Card


Card Benefits

    • 16%* cash rebate on weekend Dining, both local and overseas
    • Get up to 10% cashback at Hareloom Bistro Modern offers
    • 3% cash rebate on weekday Dining
    • 0.3% cash rebate on all other spend
    • Minimum spend of S$600 per statement month for 16% and 3% rebate, otherwise 0.3% rebate earned on all spend. Total rebate capped at S$60 per month

    If the name of the card didn’t make it super obvious already, this card clearly targets Singaporean millennials. It gives you cashback on dining, entertainment, Grab rides, online shopping and travel – pretty much accounting for all of millennials’ spending habits.

    Despite its name, older Singaporeans with more disposable income might want to get this as a dining-specific card. The minimum spend of $600 a month is easy enough to meet with just 4 or 5 family meals or dates at nice restaurants.

    Click here to read the full review of the UOB YOLO Card.

    Key features:

    • Get 8% cashback (on weekends) or 3% (weekdays) on dining, entertainment, Grab
    • 3% cashback on online shopping & online travel bookings
    • Minimum spend $600 a month
    • Cap for regular cashback $60 a month
    • New sign ups by 31 Dec get additional 10% on online spending in the first 3 months, capped at $20 a month

    Essential info:

    • Minimum income: $30,000 (Singaporean & PR) / $40,000 (foreigner)
    • OR fixed deposit of $10,000
    • Annual fee: $192.60 (waived for first year)

    Also consider: CIMB Visa Signature card

     

    UOB One Card – 3.33% / 5% rebate for consistent spenders

    UOB One Card

    UOB One Card


    Card Benefits

      • Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
      • Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme

      The UOB One Card is in a league of its own – no other credit card will give you 5% cashback on EVERYTHING. The drawback is that you need to spend exactly $2,000 a month for 3 consecutive months, no more and no less, so it’s best for those who don’t mind tracking their expenses closely, or can predict their expenses to a T.

      Click here to read the full review of the UOB One Card.

      Key features:

      • Spend $2,000 monthly for 3 months straight to get a $300 quarterly payout (i.e. 5% rebate)
      • Spend $500 or $1,000 monthly for 3 months straight to get a $50 or $100 quarterly payout (i.e. 3.33% rebate)
      • Total savings of up to 24% at SPC and 20.8% at Shell

      Essential info:

      • Minimum income: $30,000 (Singaporean & PR) / $40,000 (foreigner)
      • OR fixed deposit of $10,000
      • Annual fee: $192.60 (waived for first year)

      Also consider: HSBC Advance Credit Card

       

      UOB Delight Card – cashback at Cold Storage & Giant

      UOB Delight Card

      UOB Delight Card


      Card Benefits

        • 8% or 3% cash rebate at Cold Storage, Market Place, Jasons, Giant and Guardian stores. Minimum spend: S$800/S$400 per month respectively.
        • 10% discount on house brands at Cold Storage, Giant, and Guardian
        • Up to 3% rebate on ALL contactless payments and selected recurring bills
        • Free home delivery at Giant IMM, Parkway, Tampines, VivoCity with S$150 min. spend in a single receipt
        • 0.3% cashback on spends less than S$400 and on all other spends

        The credit card for high SES atas people who shop a lot at Cold Storage (okay, and Giant too), the UOB Delight Card gives a good 8% cashback on your groceries. Also, unlike many other cashback cards, this one lets you earn cashback on NETS FlashPay top-ups (i.e. for transport) and all kinds of bills (telco, insurance, town council bills) – basically, stuff that nobody likes to pay for.

        Read more on which cashback cards are best at your favourite supermarket.

        Key features:

        • Get 8% cashback Cold Storage, Giant, Guardian
        • Plus 3% cashback on contactless transactions, bills, NETS FlashPay
        • Minimum spend $800 a month
        • Cashback cap $50 a month

        Essential info:

        • Minimum income: $30,000 (Singaporean & PR) / $40,000 (foreigner)
        • OR fixed deposit of $10,000
        • Annual fee: $85.60 (waived for first year)

        Also consider: BOC Sheng Siong Card, BOC Family Card

         

        UOB PRVI Miles Card – air miles card with high earn rate

        UOB PRVI Miles Card

        UOB PRVI Miles Card


        Card Benefits

          • S$1 = 1.4 miles (Local spend); S$1 = 2.4 miles (Overseas spend)
          • S$1 = 6 miles for spends on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
          • No minimum spend and no cap on earned miles
          • 20,000 loyalty miles every year with min. spend of S$50,000 in a year; Up to 8 complimentary airport transfers to Changi Airport in a year (Exclusively for UOB PRVI Miles American Express Card)
          • Complimentary travel insurance coverage of up to S$1,000,000. T&Cs apply.

          One of UOB’s best offerings is their UOB PRVI Miles Card, available in 3 versions: American Express, Mastercard and Visa. Among the air miles credit cards in the market, this has the best base earn rates, so it’s ideal for breadwinners, families, business travellers or anyone else with high expenses in a wide range of categories.

          Click here to read the full review of the UOB PRVI Miles Card.

          Key features:

          • High earn rates: $1 = 1.4 miles (local) and $1 = 2.4 miles (overseas)
          • Maximise travel spend by booking online (Expedia, Agoda, UOB Travel) for $1 = 6 miles
          • Opt for the American Express version for added perks (minimum spends apply) – limo service to Changi Airport and 20,000 loyalty miles bonus

          Essential info:

          • Minimum income: $30,000 (for American Express, Mastercard and Visa) 
          • OR fixed deposit of $10,000
          • Annual fee: $256.80 (waived for first year)

          Also consider: Citi PremierMiles Visa Card

           

          UOB Preferred Platinum Card – rewards for online & contactless spending

          UOB Preferred Platinum Visa Card

          UOB Preferred Platinum Visa Card


          Card Benefits

            • Enjoy 2% rebate at Metro, World of Sports and Winter Time
            • Enjoy 3% rebate at bYSI, ColorWash, Crocodile, DHL, and Sephora
            • Enjoy 5% rebate at Tissot

            Wanna earn air miles, but don’t have the requisite jetsetter / tai tai / baller lifestyle to effectively earn them on an air miles card? Look towards the UOB Preferred Platinum card, probably the best credit card for the average Singaporean to earn air miles fast.

            The 10X rewards cover pretty much all your discretionary spending: there’s your day-to-day online spending (the one major exception being travel bookings) as well as offline dining, shopping and groceries (as long as the merchants accept Visa payWave).

            Click here to read the full review of the UOB Preferred Platinum Card.

            Key features:

            • Get 10X rewards ($1 = 4 miles) on online spend & contactless payment
            • Online spend includes shopping, groceries, food delivery, entertainment but NOT travel & other services
            • No minimum spend
            • This credit card is good for up to $1,000 spend on bonus categories

            Essential info:

            • Minimum income: $30,000 (Singaporean & PR) / $40,000 (foreigner)
            • OR fixed deposit of $10,000
            • Annual fee: $192.60 (waived for first year)

            Also consider: DBS Woman’s World Card

             

            UOB Lady’s Card – rewards for tai tais with money to burn

            UOB Lady's Card

            UOB Lady's Card


            Card Benefits

              • 5X UNI$ on your shopping (local & overseas)
              • UOB Lady's LuxePay Plan: 6 or 12-month installment plan with no interest or processing fees
              • Up to 10% SMART$ rebate at over 400 participating merchant outlets

              This credit card is famous for its “the men don’t get it” tagline… but that’s about all we can say about it. It’s restricted to women only and really pales in comparison to the UOB Preferred Platinum card, especially since it has an absurdly high minimum spend requirement

              It’s also available as the UOB Lady’s Solitaire Card, which gives you 10X rewards ($1 = 4 miles) on the same categories but require minimum income of $120,000 p.a.

              Click here to read the full review of the UOB Lady’s Card.

              Key features:

              • Earn 5X rewards ($1 = 2 miles) on shopping and taxi rides
              • You can opt to spread your credit card bill payments over 6 or 12 months with 0% interest
              • Offers several free parking & dining perks, shopping discounts
              • Minimum spend $3,000 a month
              • Expenditure cap $4,000

              Essential info:

              • For women only
              • Minimum income: $30,000 (Singaporean & PR) / $40,000 (foreigner)
              • Annual fee: $192.60 (waived for first year)

              Also consider: Citi Rewards Card

               

              UOB Visa Signature Card – rewards for frequent travellers 

              The UOB PRVI Miles card might be solid… but you know what? UOB has an EVEN better miles card for frequent travellers whose expenses fall between $1,000 and $2,000 a month. Only it’s disguised as a rewards card. The UOB Visa Signature gives you a way better earn rate, $1 = 4 miles, on overseas spending. Back home, you can use it on petrol and contactless payment too.

              Read more on which air miles cards are best for frequent flyers.

              Key features:

              • Earn 10X rewards ($1 = 4 miles) on foreign currency spend (online and offline)
              • Same earn rates for local petrol spending and contactless payment
              • Minimum spend of $1,000 a month, separate minimum spend for overseas spend applies
              • Expenditure cap of $2,000

              Essential info:

              • Minimum income: $50,000
              • OR fixed deposit of $20,000
              • Annual fee: $214 (waived for first year)

              Also consider: UOB PRVI Miles Card

               

              Other UOB credit cards

              • Metro-UOB Card: 10% off at Metro
              • Singtel-UOB Card: cashback on Singtel bills
              • UOB JCB Card: 6% cashback at Uniqlo, Tokyu Hands, Isetan and other Japanese brands
              • UOB UnionPay Card: 2% cashback, no min. spend
              • UOB Visa Infinite Card: by invite only
              • UOB Professionals Platinum Card: by invite only

              Do you use UOB credit cards? Tell us why or why not in the comments!

               

              Related articles

              UOB One Account – UOB Savings Account Review 2018

              The Best Cashback Credit Cards in Singapore 2018

              The Best Air Miles Credit Cards in Singapore 2018

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              Clara Lim

              I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.