UOB One Card

Earn rates

• quarterly cashback: S$60 / S$100 / S$200 per quarter for >= S$600 / S$1,000 / S$2,000 every statement month of the quarter with >= 10 transactions each month (from 1 Jul 2025)
• Grab (ex wallet top-up), McDonald's, Shopee SG (ex ShopeePay), SimplyGo: additional 5% (Tier 1/2), 6.67% (Tier 3)
• grocery MCC 5411 (from 1 Jul 2025): additional 0% / 2.67% / 4.67% by tier
• Shell: additional 1.67% (Tier 3 only)
• Singapore Power: additional 1%
• base if no quarter qualifies: 0.03% per year

Additional cashback only if Quarterly Cashback awarded; first quarter pro-rated

Source: https://www.uob.com.sg/assets/pdfs/one_card_full_tnc.pdf · last checked 2026-10-22

Caps

Additional cashback capped at S$120 per statement month (T&C clause 4.3). RESOLVED: page text saying S$100 is outdated; T&C prevails.

Source: https://www.uob.com.sg/assets/pdfs/one_card_full_tnc.pdf · last checked 2026-10-22

Minimum spend

{"monthly_sgd": [600, 1000, 2000], "min_transactions": 10}

Source: https://www.uob.com.sg/assets/pdfs/one_card_full_tnc.pdf · last checked 2026-10-22

Conversion

n/a (cashback offsets next statement)

Source: https://www.uob.com.sg/assets/pdfs/one_card_full_tnc.pdf · last checked 2026-10-22

Exclusions (summary)

cash advance, fees, BT, reversed txns, 0% IPP/SmartPay, UOB Payment Facility, Grab/ShopeePay top-ups, AXS* and broker/forex descriptors

Excluded MCCs: 4829, 5199, 5960, 5965, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405

Clause 6

Source: https://www.uob.com.sg/assets/pdfs/one_card_full_tnc.pdf · last checked 2026-10-22

Sign-up gift

No current sign-up gift in our verified snapshot (or not shown on the bank page when checked).

Only expired 2024/25 promos on page; no current gift

Source: https://www.uob.com.sg/personal/cards/cashback/one-card.page · last checked 2026-10-22