| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| UOB One Card | 6.67% SimplyGo (bus and MRT), extra on top of the quarterly cashback · 5% Grab (rides and GrabFood) · 5% McDonald's | S$600 a month | S$120 a month on the bonus | S$196.20 |
| UOB EVOL Card | 10% Online spend in Singapore · 10% Mobile contactless in Singapore (Apple Pay, Google Pay, Samsung Pay) · 10% Selected gyms, telcos and streaming | S$800 a month | S$80 a month | none |
| UOB Absolute Cashback Card | 0.3% Pharmacies and medical services (reduced rate) · 0.3% Utilities (reduced rate) · 0.3% Education, government, tax, charities, rent, vets, Grab wallet top-ups (reduced rate) | none | no overall cap | S$196.20 |
UOB One Card
Pays a fixed amount each quarter for keeping your spend in a tier every month — about 3.3% at the bottom of each tier — plus extra cashback on SimplyGo, supermarkets, Grab, McDonald's and Shopee. It rewards steady spending of at least S$600 a month, not big one-off purchases.
The main reward is a fixed quarterly amount: S$60 a quarter for S$600 to S$999 of spend in each statement month of the quarter, S$100 for S$1,000 to S$1,999, and S$200 for S$2,000 or more — with at least 10 card transactions in every one of those months. Miss one month and the quarter pays nothing. Extra cashback at the merchants below is paid only when the quarterly cashback is earned. We show the quarterly amount per month and share it across your spend.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| SimplyGo (bus and MRT), extra on top of the quarterly cashback | 5% | within card cap | S$600 |
| SimplyGo (bus and MRT), extra on top of the quarterly cashback | 6.67% | within card cap | S$2,000 |
| Supermarkets, extra on top of the quarterly cashback | 2.67% | within card cap | S$1,000 |
| Supermarkets, extra on top of the quarterly cashback | 4.67% | within card cap | S$2,000 |
| Grab (rides and GrabFood) — only at Grab — 6.67% from S$2,000 a month; wallet top-ups excluded | 5% | within card cap | S$600 |
| McDonald's — 6.67% from S$2,000 a month | 5% | within card cap | S$600 |
| Shopee — 6.67% from S$2,000 a month; ShopeePay top-ups excluded | 5% | within card cap | S$600 |
| Shell | 1.67% | within card cap | S$2,000 |
| SP Group (Singapore Power) bills — only at SP Group — not through AXS | 1% | within card cap | S$600 |
| Everything else eligible | 0.03% | within card cap | S$600 |
- Minimum spend: S$600 a month. S$600 and at least 10 transactions in every statement month of the quarter. If no quarterly cashback is earned all year, the terms pay 0.03% of the year's spend
- Cap: S$120 a month on the bonus. The extra merchant cashback is capped at S$120 a statement month in the card's terms (one place on the product page says S$100); the quarterly amount is fixed by tier
- Annual fee: S$196.20. Waived for the first year
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: credit card
What doesn't earn cash back
- 0% instalment plans, SmartPay, cash advances and balance transfers
- insurance, education, hospitals, government services and parking
- AXS, EZ-Link, CardUp, ipaymy, Amaze and SAM payments
- top-ups of Grab, ShopeePay and other payment-service wallets
Sources: UOB One Card; UOB One Card terms (updated 22 September 2025, PDF). Checked 13 October 2026.
UOB EVOL Card
10% on online spend and on phone-wallet payments in Singapore, and on selected gyms, telcos and streaming, once you spend S$800 a statement month. No annual fee and no foreign-currency fee.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Online spend in Singapore — one S$30 cap shared with mobile contactless | 10% | S$30 a month | S$800 |
| Mobile contactless in Singapore (Apple Pay, Google Pay, Samsung Pay) — tapping the physical card doesn't count; shares the S$30 cap | 10% | S$30 a month | S$800 |
| Selected gyms, telcos and streaming — only at Netflix, Spotify, Disney+, Singtel, StarHub, M1, Anytime Fitness, ClassPass and others in the terms | 10% | S$20 a month | S$800 |
| Everything else eligible | 0.3% | within card cap | none |
- Minimum spend: S$800 a month. S$800 a statement month; below it, everything earns 0.3%
- Cap: S$80 a month. S$80 a statement month in total; other spend earns 0.3% up to S$30
- Annual fee: none. No annual fee since 1 July 2026
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Visa credit card
What doesn't earn cash back
- 0% instalment plans, SmartPay, cash advances and balance transfers
- insurance, education, hospitals, government services and parking
- AXS, EZ-Link, CardUp, ipaymy, Amaze and SAM payments
- top-ups of Grab, ShopeePay and other payment-service wallets
- Shell and SPC petrol stations
- NETS payments
Promotion until 31 December 2026: 1% cashback on overseas foreign-currency spend (0.5% in China and Europe), no minimum and no cap. Terms
Sources: UOB EVOL Card; UOB EVOL Card terms (updated 1 July 2026, PDF). Checked 13 October 2026.
UOB Absolute Cashback Card
A flat 1.7% on eligible spend at home and abroad, with no minimum and no cap — the highest flat rate here. A list of merchant types, including pharmacies and utilities, earns only 0.3%. It's an American Express card, so not every shop takes it.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Pharmacies and medical services (reduced rate) | 0.3% | none | none |
| Utilities (reduced rate) | 0.3% | none | none |
| Education, government, tax, charities, rent, vets, Grab wallet top-ups (reduced rate) | 0.3% | none | none |
| Everything else eligible | 1.7% | none | none |
- Minimum spend: none. No minimum spend; SimplyGo fares earn the full 1.7%
- Cap: no overall cap. No cap
- Annual fee: S$196.20
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: American Express credit card
What doesn't earn cash back
- NETS payments
- instalment plans and SmartPay
- cash advances, personal loans and balance transfers
- UOB fees and charges
Sources: UOB Absolute Cashback Card; UOB Absolute Cashback terms (updated 4 August 2026, PDF). Checked 13 October 2026.
Questions and answers
Is the UOB One Card worth it?
It is if your eligible spend stays at S$600 or more, with at least 10 transactions, in every statement month: S$600 a month then earns S$60 a quarter — about 3.3% — before any extra merchant cashback. If your spending is uneven, one short month cancels the whole quarter's fixed cashback, and a flat-rate card with no minimum (1.5% to 1.7% in this catalog) is likely to pay more.
What is the minimum spend on the UOB One Card?
S$600 of eligible spend a month. S$600 and at least 10 transactions in every statement month of the quarter. If no quarterly cashback is earned all year, the terms pay 0.03% of the year's spend.
What is the cash back cap on the UOB One Card?
S$120 a month. The extra merchant cashback is capped at S$120 a statement month in the card's terms (one place on the product page says S$100); the quarterly amount is fixed by tier.
Is there an annual fee on the UOB One Card?
S$196.20 a year, including GST. Waived for the first year.
What is the minimum spend on the UOB EVOL Card?
S$800 of eligible spend a month. S$800 a statement month; below it, everything earns 0.3%.
What is the cash back cap on the UOB EVOL Card?
S$80 a month. S$80 a statement month in total; other spend earns 0.3% up to S$30.
Is there an annual fee on the UOB EVOL Card?
No — no annual fee since 1 July 2026.
What is the minimum spend on the UOB Absolute Cashback Card?
There is no minimum monthly spend: the UOB Absolute Cashback Card pays its rates from the first dollar of eligible spend. SimplyGo fares earn the full 1.7%.
What is the cash back cap on the UOB Absolute Cashback Card?
There is no overall monthly cap.
Is there an annual fee on the UOB Absolute Cashback Card?
S$196.20 a year, including GST.
Best cards by category
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
Other banks
- DBS / POSB cashback cards
- OCBC cashback cards
- Citi cashback cards
- HSBC cashback cards
- Standard Chartered cashback cards
- Trust Bank cashback cards
- American Express cashback cards
- CIMB cashback cards
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.