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UOB Absolute Cashback Card

Cashback card by UOB · Easy · No minimum spend

Earns 2% on contactless with the physical card (promotion to 31 Jan 2027). Everything else in S$ earns 1.7%. Annual fee: S$196.20, 1st year free.

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Best rate2%Contactless with the physical card

Everything else1.7%in S$

Bonus capNo cap

Annual feeS$196.201st year free

Checked against UOB's own terms on 8 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Contactless with the physical card (promotion to 31 Jan 2027)	Pay by card tap	2%
Utilities and other selected categories	Any way of paying	0.3%
Everything else, in S$	Any way of paying	1.7%
Everything else, in a foreign currency	Any way of paying	1.7%

The bank's full earning rules

1.7% on all Local Card Transactions and all Overseas Card Transactions, except the selected transactions below.
0.3% on Grab mobile wallet top-ups and on transactions under selected MCCs, locally and (from 4 Sep 2026) overseas.
No cap on cashback and no minimum spend.
Contactless promotion (4 Aug 2026 to 31 Jan 2027): bonus 0.3% (up to 2% total) on physical-card contactless payments at point-of-sale terminals, in SGD or foreign currency. No limit on the bonus; credited within the following month.
Cashback earned in a statement month is credited in the following statement month.

Where the bonus applies

All eligible retail spend, local and overseas (1.7%)
0.3% MCCs: 7911, 8211, 8220, 8241, 8244, 8249, 8299, 9311, 9399, 9402 (dance, education, government); 0742, 5047, 5122, 5912, 5975, 8011, 8021, 8041, 8042, 8043, 8049, 8062, 8071, 8099 (veterinary, medical, drug stores, healthcare); 4900, 8398, 6513, 7261, 7278, 7311, 7361, 7392, 8999 (utilities, charity, real estate, professional services)
0.3%: Grab mobile wallet top-ups

Earns nothing on

All NETS and NETS-related transactions
Instalment Payment Plans and SmartPay transactions
Cash advances, personal loans, balance and/or fund transfers
Fees and charges imposed by UOB
Cancelled, voided, refunded or reversed transactions

See all 7

All NETS and NETS-related transactions
Instalment Payment Plans and SmartPay transactions (unless otherwise stated)
Cash advances, personal loans, balance and/or fund transfers
Fees and charges imposed by UOB (e.g. late payment, interest, annual fees)
Cancelled, voided, refunded or reversed transactions
Amounts under the UOB Payment Facility, and amounts rolled over from a previous statement
Contactless bonus only: online transactions processed through American Express networks

Fees and limits

Annual feeS$196.20 incl. GST, first year waived. First supplementary card free, then S$98.10 each.

Minimum incomeS$30,000 a year (Singaporeans/PRs aged 55 and below); S$15,000 (aged 56+); S$40,000 (foreigners). Or a fixed deposit of at least S$10,000 as collateral.

Overseas fee3.25% administrative fee on non-SGD transactions, of which 1.25% is retained by American Express. A 1% international processing fee applies to SGD transactions processed overseas (General Information on UOB Credit Cards).

Rewards expiryUnused cashback is forfeited if the card is terminated.

Turning rewards into miles or cashCashback is credited in Singapore dollars in the following statement month and offsets the billed amount.

Good to know

1.7% unlimited cashback on local and foreign-currency spend, no minimum spend.

Only 0.3% on selected MCCs, local and (from 4 Sep 2026) overseas: utilities, education, government, healthcare and drug stores, charity, real estate/rent, some professional services, and Grab wallet top-ups. Cardinko applies 0.3% to Bills only; check other MCCs yourself.

Extra 0.3% (2% total) on tapping the physical card at a terminal, 4 Aug 2026 to 31 Jan 2027. Phone wallets aren't mentioned; this is an American Express card and Apple Pay/Google Pay/Samsung Pay aren't enabled.

No cashback on NETS, instalment plans, SmartPay, cash advances, loans, balance/fund transfers and UOB fees.

Where these facts come from

Terms and Conditions Governing UOB Absolute Cashback Cardupdated 4 Aug 2026, ver 3.0

UOB Absolute Cashback Card product page

UOB Absolute Cashback Card Contactless Promotion T&Cs4 Aug 2026

General Information on UOB Credit Cardsupdated 23 Jul 2025

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