Best UOB Credit Cards 2024

UOB One Card is an extraordinary credit card for those with stable budgets. In fact, if you consistently spend S$2,000/month, you’ll earn the highest flat rebate on the market–5% on general spend, up to S$300/quarter, boosted to 10% on Grab & select UOB Travel and 6% on utilities bills. Lower or inconsistent spenders earn a still relatively high 3.33% rebate, capped at S$50 or S$100/quarter based on minimum spend level.

One of the great things about UOB One Card is that nearly all spend is eligible for rebates. This even includes recurring bills and insurance premiums. This makes it even easier to hit the highest rebate tier because you can consolidate all of your spend onto one card–hence the name, UOB One Card.

Cardholders even enjoy some of the highest petrol discounts on the market, with up to 24% fuel savings with SPC and 21.15% with Shell. Overall, UOB One Card is the perfect option if you’re a stable spender and want one, easy-to-use credit card that will maximise rebates.

KrisFlyer UOB Card is a great option for SIA loyalists–especially young adults who tend to fly on a budget. Cardholders earn 3 KF miles per S$1 on all spend with SIA brands (SIA, SilkAir, Scoot & KrisShop) and 1.2 miles per S$1 on general local & overseas purchases. This general rate is boosted to an incredible 3 miles on dining, transport, online fashion shopping & travel bookings with just S$800 annual spend with SIA brands. These categories are a great fit to the lifestyle of millennial travellers who are willing to commit to SIA airlines.

Such individuals may also be interested in KF UOB Card's practical and convenient perks on SIA's budget airline, Scoot (priority check-in, upgraded baggage allowances, booking flexibility waivers and free standard seat selection) and its S$15 vouchers for Grab trips to and from Changi airport as well as for ChangiWiFi. While there aren't any of the typical luxury perks, KF UOB Card does offer expedited KrisFlyer Elite Silver Status (min. S$5k annual SIA spend) and 10,000 annual renewal bonus miles. This bonus, worth about S$100, offsets the moderate S$192.6 fee, which makes KrisFlyer UOB Card even more affordable and accessible to young travellers who prefer SIA.

UOB PRVI Miles American Express Card is the absolute best travel credit card for above-average spenders because of its top rewards rates and fee-waiver. Cardholders earn at some of the highest rates on the market–1.4 miles per S$1 local spend, 2.4 miles overseas, and 6 miles with major hotels and airlines. This matches or exceeds the rates offered by even the most expensive travel credit cards.

UOB PRVI Miles Card, however, has an annual fee of just S$259.20, compared to S$450+ with competitors. Even better, cardholders who spend S$50,000/year (about S$4,167/month) on their PRVI Miles Amex Card are exempt from the fee altogether. At this spend level, cardholders also receive 20,000 bonus miles (worth S$200). No other travel card with such high rates offers a fee-waiver, making UOB PRVI Miles Card the absolute best way to rapidly accrue miles while potentially avoiding a fee. Finally, while UOB PRVI Miles Card does not have as many perks as alternatives, cardholders still enjoy free travel insurance and airport transfers.

Formerly known as the YOLO Card, UOB EVOL Card has only gotten better for younger spenders. Where the YOLO Card's max cashback used to be active only on weekends, the new EVOL card awards the full 8% cashback any day of the week, so long as you use mobile contactless spend via Apply Pay, Google Pay, Samsung Pay or Fitbit Pay. In addition, the cashback for all online spend has been upgraded to 8% from 3%, and is no longer limited to just dining and travel.

You must spend S$600 to access these rates and can earn up to S$60 cashback every month: S$20 online, S$20 with mobile contactless payments and S$20 with the general rate of 0.3% cashback. While there’s a S$192.60 fee, it’s waived the first year. One area where cardholders may miss the YOLO Card is the exclusive access promos and deals for trendy clubs and restaurants. Instead of these, UOB EVOL Card's new suite of deals appear to be themed for sustainable living, with offers focused on healthy eats and eco-conscious brands.

UOB Visa Signature Card is a great option for miles-seeking consumers with moderate budgets and variable travel schedules. Cardholders who spend at least S$1k overseas/month earn 4 miles/S$1 on foreign currency transactions. Those who spend S$1k/month locally earn 4 miles/S$1 on petrol & contactless transactions (both via Visa payWave and mobile digital wallets). These categories capture almost all types of spend, and those who hit both minimums (or spend S$2k in one category alone) can max out the 8k miles/month earnings cap. This cap has a value-to-consumer of about S$80, which is quite competitive.

While UOB Visa Signature Card has one of the highest overseas rates on the market, it does not offer many travel perks. In fact, cardholders just receive complimentary travel insurance, which is limited to the cardholder alone. Still, the S$214.0 annual fee is fairly reasonable and is waived for the 1st year. Overall, modern, miles-seeking spenders with budgets of about S$2k/month should definitely consider UOB Visa Signature Card.

UOB Preferred Platinum Card is the best miles-earning everyday credit card for modern spenders–especially those on a budget. Cardholders earn a competitive 4 miles (2 UNI$) for every S$1 spend online or with a mobile digital wallet (like Apple Pay, Google Pay, Fitbit Pay & more). These categories are incredibly flexible as there are no merchant restrictions and most merchants now accept contactless payments. As a result, tech-savvy individuals can easily earn miles for nearly all of their spend.

There is one potential drawback, however. Rewards are capped at just 4k miles (2k UNI$) per month, which is roughly equal to S$40 in value-to-consumer. This cap is somewhat low and can be maxed out with just S$1k spend, which may be restrictive for those with moderate or larger budgets. Overall, UOB Preferred Platinum Card is a great option for modern spenders, especially those with a budget of about S$1k/month.

UOB Absolute Cashback Card offers 1.7% limitless cashback, with no minimum spend and no exclusions, making this the highest unlimited cashback credit card. While a rate of 1.7% isn't as high as some other credit cards on the market, higher rates often come with monthly caps and restrictions. For more affluent spenders this credit card will earn higher cashback at the end of the month.

What makes this credit card unique is that you can actually earn cashback on all spend, even on categories often excluded by other credit cards, such as: insurance payments, school feels, medical bills and rental payments. Wallet top-ups, utilities and telco bills spend will also earn cashback.Another benefit of UOB Absolute Cashback Card is the exclusive American Express Card privileges that you can enjoy, from complimentary 6-month FoundersCard membership to 50% savings on dining, shopping and accommodation.