UOB One
Cashback card by UOB · Many hurdles · Min S$600 a statement, Small cashback cap, A number of transactions each month
Earns 8.33% on grab rides and SimplyGo (quarterly cashback + extra 5%). Everything else in S$ earns 0%. Annual fee: S$196.20, 1st year free.
Checked against UOB's own terms on 2 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Grab rides and SimplyGo (quarterly cashback + extra 5%) | Any way of paying | 8.33% |
| All spend, when you hit S$600 and 10 transactions every statement month of the quarter | Any way of paying | 3.33% |
| Everything else, in S$ | Any way of paying | 0% |
| Everything else, in a foreign currency | Any way of paying | 0% |
The bank's full earning rules
- Quarterly Cashback: S$60 (Tier 1: S$600–S$999 per statement month), S$100 (Tier 2: S$1,000–S$1,999), S$200 (Tier 3: S$2,000+).
- The spend must be met in each statement month of the quarter, with at least 10 card transactions each month.
- Additional cashback per statement month, capped at S$120: Grab, McDonald's, Shopee Singapore, SimplyGo 5% (Tiers 1–2) or 6.67% (Tier 3); groceries (MCC 5411) 2.67% (Tier 2) or 4.67% (Tier 3); Singapore Power 1%; Shell 1.67% (Tier 3).
- No Quarterly Cashback earned: 0.03% of the year's card transactions, credited the following February.
Where the bonus applies
- Quarterly Cashback: all eligible card transactions
- Additional cashback: Grab, McDonald's, Shopee Singapore, SimplyGo, supermarkets (MCC 5411), Singapore Power, Shell
Earns nothing on
- Cash advances, fees, balance transfers, cancelled transactions and instalments
- Wallet top-ups
- Financial institutions, gambling, schools and government services MCCs
- Payment processors such as PayPal and OANDA
Fees and limits
Good to know
UOB One pays a fixed quarterly cashback: S$60 at S$600/month, S$100 at S$1,000/month, S$200 at S$2,000/month. Every statement month of the quarter must hit the tier with at least 10 transactions. Cardinko shows the S$600 tier as about 3.33%.
Extra cashback (own S$120 monthly cap): 5% at Grab, McDonald's, Shopee Singapore and SimplyGo (6.67% at the S$2,000 tier); groceries 2.67% (S$1,000 tier) or 4.67% (S$2,000 tier); Singapore Power 1%; Shell 1.67% (S$2,000 tier). Cardinko only counts Grab and SimplyGo, and inside the quarterly cap, so it may understate.
If you miss the requirement, you get only 0.03% of the year's spend, paid the following February.
Where these facts come from
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