Cards › UOB › UOB EVOL

UOB EVOL

Cashback card by UOB · Many hurdles · Min S$800 a statement, Small cap per category

Earns 10% on local online and mobile contactless. Everything else in S$ earns 0.3%. No annual fee.

Apply at UOB Add to compare

Best rate10%Local online and mobile contactless

Everything else0.3%in S$

Bonus capS$80 cashbacka statement

Annual feeWaived

Checked against UOB's own terms on 2 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Local online and mobile contactless	Pay online, or by phone tap (Apple Pay, Google Pay)	10% up to S$30 cashback
Everything else, in S$	Any way of paying	0.3%
Everything else, in a foreign currency	Any way of paying	1%

The bank's full earning rules

10% on Local Online Spend and Local Mobile Contactless Spend (Apple Pay, Samsung Pay, Google Pay in-store, processed in Singapore), capped at S$30 per statement month.
10% on Selected Gym, Telco and Streaming spend, capped at S$20 per statement month.
0.3% on all other spend, capped at S$30 per statement month.
The 10% rates need at least S$800 of transactions in the statement month; otherwise everything earns 0.3%.
Total cashback capped at S$80 per statement month.
Overseas foreign currency (promo to 31 Dec 2026): 1%, or 0.5% in China and Europe, no minimum spend.

Where the bonus applies

Local online: internet transactions processed in Singapore
Local mobile contactless: in-store Apple Pay, Samsung Pay, Google Pay processed in Singapore (physical card taps don't count)
Gym: e.g. Anytime Fitness, ClassPass, Virgin Active, Fitness First; Telco: StarHub, Singtel, M1, Gomo, MyRepublic, Giga, CirclesLife; Streaming: Netflix, Spotify, Disney+

Earns nothing on

Cash advances, balance transfers, NETS transactions and 0% instalment plans
Gambling, insurance, quasi-cash, educational institutions and government services MCCs
Top-ups to payment service providers
Listed descriptors such as PayPal, AXS, EZ-Link and transit

Fees and limits

Annual feeWaived for principal and supplementary cards from 1 Jul 2026.

Minimum incomeSGD 30,000 (Singaporeans/PRs aged 55 and below); SGD 15,000 (aged 56+); SGD 40,000 (foreigners); or a S$10,000 fixed deposit as collateral.

Overseas feeNo administrative fee on foreign-currency transactions (EVOL T&Cs clause 13). A 1% international processing fee still applies to SGD transactions processed outside Singapore.

Turning rewards into miles or cashCashback is credited to the card account; it isn't converted to miles.

Good to know

10% needs S$800 of spend in the statement month; capped at S$30 for online + mobile contactless, S$80 in total.

Also 10% (S$20 cap) on selected gyms, telcos (Singtel, StarHub, M1 and others) and streaming (Netflix, Spotify, Disney+); Cardinko doesn't track these.

Overseas foreign currency: 1% (0.5% in China and Europe) with 0% FX fees and no minimum, until 31 Dec 2026.

Annual fee waived from 1 Jul 2026.

Where these facts come from

Terms and Conditions Governing UOB EVOL Cardupdated 1 Jul 2026, v2.2

UOB EVOL FX cashback promotion T&Csto 31 Dec 2026

UOB EVOL product page

Is this card right for you? See how it does with your spending

Compare UOB EVOL with

UOB Absolute Cashback Card DCS Ultimate Platinum Mastercard Citi Cash Back+OCBC INFINITY Cashback

Already have UOB EVOL?

Cardinko tracks its caps and minimum spend as you go, and tells you which card to use at every shop.

Get the app