Compare › OCBC 365 vs UOB One
OCBC 365 vs UOB One
Every row comes from each bank's own terms. The better value in a row is shaded gold.
| Card | OCBC 365Cashback Many hurdles | UOB OneCashback Many hurdles |
|---|---|---|
| Earning | ||
| Best rate | 6% | 8.33% Best |
| Where the best rate applies | Petrol | Grab rides and SimplyGo (quarterly cashback + extra 5%) |
| Everything else, in S$ | 0.25% Best | 0% |
| Foreign currency | 0.25% Best | 0% |
| Bonus cap | S$80 cashback a month | S$60 cashback a quarter |
| Minimum spend | S$800 a month | S$600 a statement |
| Costs | ||
| Annual fee | S$196.20, 2 years free | S$196.20, 1st year free |
| Overseas fee | 3.25% | 3.25% |
| Minimum income | S$30,000 | S$30,000 |
| Rewards | ||
| Points expiry | Not stated in the terms we read | Not stated in the terms we read |
| Sources | ||
| Checked | 2 Oct 2026 | 2 Oct 2026 |
| Documents | OCBC 365 Cashback Programme T&Cs (current) (11 Apr 2025, until 31 Oct 2026) OCBC 365 Cashback Programme T&Cs (revised) (effective 1 Nov 2026) | UOB One Card full T&Cs (updated 22 Sep 2025, v2.1) UOB One Card product page |
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