A maximum of 5% cash rebate on everything

I actually signed-up because of the attractive 3.88% interest with the UOB One Account. It made sense to use it as my daily card especially as it comes in a really fancy chrome coloured card. The UOB One Card is hands down UOB’s favourite entry level credit card especially for those with a UOB One account too. The credit card owes its fame to its key proposition- a maximum of 5% cash rebate on everything, no need to fumble about with different spending categories.

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United Overseas Bank

United Overseas Bank (UOB), a Singaporean Multinational Organisation, was established on 6 august 1935 in Singapore by the name of United Chinese Bank (UCB), to Emphasise its link to the Chinese population in Singapore. The bank catered mainly to the Fujian community in its initial stages. However the bank grew immensely within a few years and in 1965, the bank was renamed to United Overseas Bank as it inaugurated its first overseas branch in Hong Kong. Today UOB is the third largest bank in Southeast Asia by total assets, having a market capitalization of $32.9 Billion. It is recognized as an excellent and professionally managed financial institution. It provides a wide range of financial services including personal financial services, wealth management, private banking, commercial and corporate banking, transaction banking, and investment banking. It has a network of more than 500 offices in 19 countries and territories in Asia Pacific with a strong foothold in Singapore, Malaysia, Thailand, and China.

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Get 12k miles when you spend a minimum of S$6,000 within the first 90 days of your new card approvaL

If you are new to UOB Credit Card membership, you should apply and get 12k miles when you spend a minimum of S$6,000 within the first 90 days of your new card approval. This Promotion is valid for a little time window so I advise you take up the opportunity fast inclusive of up to 3 KrisFlyer miles per $1 spent on everyday spend categories with $500 min. annual spend on Singapore airlines group.

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UOB PRVI Miles Card earns you 1.4 miles local and 2.4 overseas

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I was able to use the card overseas without enabling the magnetic stripe of the card

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12% rebate promotion for 3 months activated after a minimum spend of $600

This is an okay card to fill the areas for dining, grab and entertainment as it offers more than the other cards I have used before but don’t wish to mention here. But note that 12% cash back is only for these categories, and any other categories would be best purchased with another card. If you eat out often and use grab frequently plus topping up of grab wallet, this would be a card for you. They have a recent 12% rebate promotion for 3 months, but activated after a minimum spend of $600. Easy to use for the rebate on weekend. Definitely a must for dining and entertainment. Young people favourite. Will definitely recommend to friends.

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Recommending Forums

Is it just me or UOB One online card application services are just so bad?

Very true there online services are terrible and card applications very bad experience too. In my case I tried to apply for the UOB one card for about 3 weeks. I first tried to apply through internet banking account, got rejected because I had to upload all my documents. I uploaded my documents and applied. Then began the series of excuses and unprofessionalism which resulted in getting a solution after one long week.

UOB One Card

In respect to the minimum requirement of five transactions per month for the UOB One card does each GRAB ride count as one transaction? For the minimum 5 transactions per month for the UOB one card, does each GRAB ride count as 1 transaction?

Yes it does, take a second glance at the quarterly cash rebate and you will notice that there is a total minimum spending of at least $500 monthly for three consecutive months to qualify for benefits.

UOB One Card

I wonder why the UOB One supplementary card cannot be used together with the main card to hit the minimum spend?

I too have a joint one account with my partner and based on our experience, the supplementary card does not count towards the $500 minimum spend as we were made aware of this reality a few months into it. You can try to request another card for the main card holder making it two debit cards under the main holders name but say a MasterCard and one Visa. It will probably help both spending counts to hit the tier.

UOB One Card

Can one apply for a UOB One Card from UOB without having a bank account with the bank?

Well you definitely can as you should understand that a bank account is only one type of product the bank offers from very many. For me personally I have credit cards with both DBN and CITI but I have no bank accounts with them. Be rest assured they will give you an iBanking account to access the credit card rewards portal.

UOB One Card

I realise I have been spending more than my maximum cashback limit on the UOB One Card recently. Would it be a good idea to get another miles card as a secondary card?

In my opinion, I think you can charge your expenses to the company then look into more cash back cards or get a miles card, however If your income is high enough then look into the higher tier cards, that is those with an income of $120,000 and above that offer free lounge access as this will make your travel more comfortable. So if you expect to be spending consistently more than the max cashback limit, then no harm looking for another card to accumulate more point. Good luck!

UOB One Card