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Best UOB Credit Cards in Singapore – Credit Card Reviews 2019

Best UOB Credit Cards Review

Clara Lim

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Picking the best UOB credit card in Singapore isn’t easy – UOB has so many credit cards that they had to make a quiz to help people figure out which credit card they should go for.

(I’m not kidding. You can take the quiz here if you’re bored. But please don’t make financial decisions based on online quiz results, okay?)

On the flip side, this means they’ve got most of the bases covered. Whether you want cash rebates, air miles or rewards points, or one for dining and entertainment, there’s a strong UOB card out there for you.

Let’s take a closer look at 6 of UOB’s most popular credit cards.

 

Best UOB credit cards in Singapore 2019

UOB credit card Key benefits
UOB One Card 3.33% or 5% cash rebate (paid as quarterly flat payout of $50, $100 or $300) / savings at SPC & Shell
UOB YOLO Card 8% cashback (weekend) and 3% (weekday) on dining, entertainment and Grab / 3% cashback on online shopping & travel
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
UOB Visa Signature Card 10X rewards ($1 = 4 miles) on foreign currency spend, petrol, contactless payment
UOB Lady’s Card 5X rewards ($1 = 2 miles) on shopping, taxis

 

UOB One Card – quarterly cash 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

    Probably the most popular of UOB’s credit cards, the UOB One Card is in a league of its own. No other credit card will give you 5% on practically everything.

    The drawback is that… well, it’s not reeeally a “5% rebate” in the usual sense. Actually, you get a $300 payout only once every quarter if you manage to spend $2,000 consecutively every month in that quarter.

    Alternatively, also get a $100 or $50 payout if you spend $1,000 or $500 every month in that quarter. That’s equivalent to 3.33% at most.

    This quarterly payout system has higher stakes than the usual rebates that follow your monthly billing cycle. Just miss the mark by a few cents, and you can say goodbye to the entire quarter’s rebates.

    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)

     

    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 the stereotypical millennial’s 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
      • Cashback cap $60 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)

       

      UOB PRVI Miles Card – UOB 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. This has one of the highest regular earn rates among the major miles cards in Singapore, and the generous bonus miles travel bookings on Expedia and Agoda are but icing on the cake.

        With no minimum spend and no cap, it’s ideal for breadwinners, families, business travellers or anyone else with high expenses in a wide range of categories.

        One drawback, though, is that it has the highest overseas transaction fees on the market, although you might feel it’s an acceptable trade-off for the high overseas earn rates.

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

        Key features:

        • $1 = 1.4 miles for local spending
        • $1 = 2.4 miles for overseas spending
        • $1 = 10 miles for travel bookings on Expedia, Agoda & UOB Travel

        Essential info:

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

         

        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)

           

          UOB Visa Signature Card – the “other” UOB miles card

          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)

           

          UOB Lady’s Card – 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.

            But the worst thing about it is the absurdly high minimum spend requirement of $3,000 a month!!! The UOB website says that the T&Cs will be revised in March – here’s hoping they’ll be saner this time.

            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
            • 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)

             

            Other UOB credit cards

            UOB Delight Card: Up to 8% cashback at Cold Storage & Giant

            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

            The Best Cashback Credit Cards in Singapore

            The Best Air Miles Credit Cards in Singapore 

            The Best Credit Cards in Singapore for Online Shopping

            Keep updated with all the news!

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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.