Credit Cards

Best UOB Credit Cards in Singapore — Credit Card Reviews 2019

Best UOB Credit Cards Review

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 7 of UOB’s most popular credit cards.

 

Best UOB credit cards in Singapore 2019

UOB credit card Key benefits
UOB One Card Quarterly flat cash rebate for consistent spending
UOB YOLO Card Cashback card for dining, entertainment, Grab, online shopping, travel bookings
UOB KrisFlyer Credit Card Earn KrisFlyer miles (directly) on dining, transport, online shopping, travel bookings
UOB PRVI Miles Card General miles card with higher-than-average earn rates in Singapore
UOB Preferred Platinum Card 10X rewards card for online spending, contactless payment
UOB Visa Signature Card 10X rewards card for overseas spending, petrol, contactless payment
UOB Lady’s Card Women-only 10X rewards card on the spending category of your choice

 

UOB One Card — quarterly cash rebate for consistent spenders

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)
  • Additional savings at SPC and 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 

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 a few 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 KrisFlyer Credit Card — KrisFlyer miles on everyday spending

UOB’s high-profile miles card — officially co-branded with SQ KrisFlyer some more leh — which lets you earn a generous 3 miles per $1 spent on everyday things: Dining, transport, online shopping and online travel bookings.

The downside is that the miles are withheld for at least a year, during which you have to spend at least $500 on SQ or Scoot.

Click here to read the full review of the UOB KrisFlyer Credit Card.

Key features:

  • $1 = 3 miles on dining, transport, online shopping, online travel bookings, Scoot / SQ
  • Miles are withheld for 14 months, have to spend $500 on Scoot / SQ before they are released
  • $1 = 1.2 miles for all other spending
  • No minimum spend, no cap

Essential info:

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

 

UOB PRVI Miles Card — solid miles card with good earn rates

Before the UOB KrisFlyer Credit Card, there was the UOB PRVI Miles Card. This has one of the highest regular earn rates among the major miles cards in Singapore, and there are no serious hoops to jump through.

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.

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

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

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 — powerful miles card in disguise

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 overseas in order to get 10X rewards on foreign currency
  • 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 women who like options

This credit card is famous for its “the men don’t get it” tagline, because it’s literally restricted to women only. As of Mar 2019, UOB has really improved this credit card.

You earn the market-leading rate of 10X rewards points ($1 = 4 miles) on any one category of your choosing, up to $1,000 a month. You decide if you want it to be Fashion, Dining, Travel, Transport, etc. – and you can change the category every 3 months if you want.

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

Key features:

  • Earn 10X rewards ($1 = 4 miles) on 1 category of your choice
  • Offers several lifestyle perks, shopping discounts
  • No minimum spend
  • Expenditure cap $1,000

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

Tags: ,