UOB Credit Cards Singapore | Best UOB Credit Card Deals in Singapore

Credit Cards
by Priyadarshini 9 February 2023

As one of the top local banks in Singapore, UOB provides a plethora of credit cards with a dizzying array of benefits — to the point of being perplexing.
Don’t know which card to choose? Not to worry, this blog lists the best UOB credit cards in Singapore. There’s something for everyone, whether you’re looking for extra air miles, dining discounts, entertainment options, or just straight-up cash rebates.

Best UOB Credit Cards in Singapore

UOB One is the best for cash rebates

If your top priority in a credit card is to get as much cash back as possible, the UOB One Card is the one for you. The main advantage here is the up-to-5% cash rebate on all retail purchases. However, UOB One recently introduced a generous cash rebate rate of up to 10% on Grab services, Shopee, and Dairy Farm Group merchants (such as Cold Storage, Giant, Guardian, and 7-Eleven), and UOB Travel Planner transactions. Your utility bill payments will also receive an additional 1% to 6% as part of the mini-refresh.

Perhaps you should start shifting the weightage of your spending away from just retail. In addition to cash rebates, you’ll receive exclusive UOB benefits such as 1-for-1 dining deals through The Dining Advisor program and ShopUOB’s array of deals in fashion, beauty, groceries, and more food. If you already have a UOB One savings account, getting this credit card to go with it would be a good idea because you could grow your savings at up to 2.5% p.a.

However, there are some terms and conditions as well as minimum spend tiers to consider. To receive the full S$300 rebate, you must spend at least S$2,000 per month in the quarter for three consecutive months. And you must make at least five separate transactions (spending a fortune on a single item does not count). It drops to S$100 if you spend between S$1,000 and S$1,999, and S$50 if you spend between S$500 and S$999.

UOB Absolute Card is the best for unlimited cashback

Do you want a cashback credit card that allows you to earn unlimited cashback on all of your purchases? You need the UOB Absolute Card. This straightforward cashback credit card is a game changer. To begin, it provides 1.7% cashback on all purchases made at merchants who accept American Express credit card payments.

This includes insurance premium payments, school fees, mobile or e-wallet top-ups, rental payments, utility and telco bills, and medical and hospital bills. Simply put, there are no spending restrictions. To clarify, the categories listed above are frequently barred from receiving any type of reward. That isn’t all. There is no minimum spend required to begin earning cashback on your transactions! If you’re looking for something truly hassle-free, the UOB Absolute Card should not be overlooked.

UOB Visa Signature Card is the best option for overseas spending

If you frequently use your credit card for overseas purchases, the UOB Visa Signature Card is ideal. You will be able to earn 10 UNI$ for every S$5 spent on purchases made outside of Singapore (must be in foreign currency), as well as online, petrol, and contactless transactions. You can also travel with confidence because of personal accident coverage of up to S$500,000 and Emergency Medical Assistance, Evacuation, and Repatriation coverage of up to S$50,000.

If you don’t plan on travelling anytime soon, you can convert your UNI$ to cash rebates and instantly redeem your UNI$ for vouchers at over 1,000 restaurants, shops, and travel merchants. The minimum annual income requirement for this card is S$50,000, which is higher than the minimum for most cards. Another high (actually, a low) is the minimum monthly spend of S$1,000 per statement period — that is, if you are determined to earn accelerated UNI$.

KrisFlyer UOB Credit Card is the best for travel – Best UOB Credit Cards in Singapore

Are you considering becoming a digital nomad, or have you been bitten by the travel bug? The KrisFlyer UOB Credit Card’s motto, “spend more, travel more,” may ring true. You earn 3 KrisFlyer miles for every S$1 spent on dining, food delivery, online shopping, transportation, and Singapore Airlines. The best part is that there is no minimum spend, no mileage cap, and no conversion fee. If you have a KrisFlyer UOB Deposit Account, you will receive 6 additional bonus KrisFlyer miles for every S$1 spent.

If you are not a frequent traveller, this card may not be for you. To qualify for the 3 miles per dollar earn rate, you must spend more than S$300 on SIA-related purchases per year. It’d be a plus if you’re a die-hard fan of Singapore Airlines’ carriers; otherwise, you’d miss out on perks like priority boarding on Scoot and fast-tracked KrisFlyer Elite Silver status.

UOB Preferred Platinum Card is the best option for online spending

Can’t decide whether to pursue rewards or travel? The UOB Preferred Platinum card is comprehensive. For every S$5 spent on online shopping, contactless transactions, and entertainment, you can earn 10X UNI$. Foodies will also benefit from discounts at over 1,000 restaurants. SMART$ rebates can be earned at over 300 participating locations and used to offset future purchases.

UOB PRVI Miles is the best for miles

If you’re looking for a strong miles card that also allows you to choose between Visa, MasterCard, and American Express, the UOB PRVI Miles card is a viable option. With a high 6 miles per dollar spent on major airlines and hotels booked through Expedia, UOB Travel, and Agoda, it works hard for you. There is no minimum spend and no limit to the number of miles you can accumulate.

While the 6 miles per dollar is high, it only applies to hotels and flights, so if you don’t travel frequently, you won’t see the benefits. Many people like the miles earn rate, which is 2.4 miles for every S$1 spent overseas and 1.4 miles for every S$1 spent locally. If you choose the Amex option, you’ll receive two additional exclusive benefits: 20,000 loyalty miles (only if you spend at least S$50,000 per year) and complimentary airport transfers to Changi Airport. You’d be surprised to learn that the annual income requirement is only S$30,000 for such a high level of benefits.

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