Best UOB Credit Cards in Singapore 2025
updated: Mar 04, 2025
UOB credit cards offer a wide range of benefits, including cashback rewards, competitive interest rates, and no annual fees. They also provide unique features such as contactless payments and insurance benefits such as travel insurance and purchase protection. With a focus on innovation, convenience, and customer satisfaction, UOB credit cards are a reliable and rewarding choice for consumers.
UOB Credit Cards
Best UOB miles cards for local spends
UOB Lady’s Card
UOB Lady's Card
on_provider_website
| Airmiles Local | Up to 10 miles per dollar |
|---|---|
| Airmiles Bonus Cap | S$ 1,000.00 |
| Rewards Bonus Cap | S$ 1,000.00 per month |
| Min. Annual Income | S$ 30,000 |
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Singsaver’s take
The UOB Lady's Credit Card caters to women in Singapore seeking lifestyle-aligned rewards. Ideal for moderate spenders and miles enthusiasts, it offers customisation and maximises everyday spending, with an option to boost rewards by pairing it with a UOB Lady's Savings Account.
KrisFlyer UOB Credit Card
KrisFlyer UOB Credit Card
on_provider_website
| Airmiles Local | 3 miles / dollar |
|---|---|
| Airmiles Bonus Cap | n_a |
| Rewards Bonus Cap | n_a |
| Min. Annual Income | S$ 30,000 |
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Singsaver’s take
For frequent Singapore Airlines and Scoot flyers, the KrisFlyer UOB Credit Card offers significant advantages, making it ideal for those deeply engaged with the SIA ecosystem.
UOB Preferred Platinum Visa Card
UOB Preferred Platinum Visa Card
| Airmiles Local | Up to 4 miles / dollar |
|---|---|
| Airmiles Bonus Cap | 4,440.00 miles / month |
| Rewards Bonus Cap | UNI$ 2,000.00 / month |
| Min. Annual Income | S$ 30,000 |
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Singsaver’s take
This card targets individuals who frequently use mobile contactless payments for everyday and online spending. It's also beneficial for public transport users via SimplyGo.
UOB Lady’s Solitaire Card
UOB Lady's Solitaire Card
| Airmiles Local | 4 miles per dollar |
|---|---|
| Airmiles Bonus Cap | 8,000.00 miles / month |
| Rewards Bonus Cap | S$ 5,600.00 / month |
| Min. Annual Income | S$ 120,000 |
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Singsaver’s take
The UOB Lady’s Solitaire Card targets high-earning women in Singapore (minimum S$120,000 income) who desire tailored, high rewards on their lifestyle spending. Linked with a UOB Lady's Savings Account, it allows users to pick two quarterly bonus categories (like dining, travel, fashion) for up to 10 mpd, alongside features such as 0% interest on luxury items.
Best UOB miles cards for overseas spends
UOB Lady’s Card
UOB Lady's Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Foreign Currency Transaction Fee | 3.25% |
| Airmiles Overseas | Up to 10 miles per dollar |
| Rewards Points Overseas Spending | UNI$ 25 for every S$5 spent |
product_details
Singsaver’s take
The UOB Lady's Credit Card caters to women in Singapore seeking lifestyle-aligned rewards. Ideal for moderate spenders and miles enthusiasts, it offers customisation and maximises everyday spending, with an option to boost rewards by pairing it with a UOB Lady's Savings Account.
UOB PRVI Miles Visa Card
UOB PRVI Miles Visa Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Foreign Currency Transaction Fee | 3.25% |
| Airmiles Overseas | Up to 3 miles / dollar |
| Rewards Points Overseas Spending | UNI$ 6 |
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Singsaver’s take
The UOB PRVI Miles Visa Card offers high miles earn on overseas spending (up to 3 mpd) and travel bookings via Agoda/Expedia (up to 8 mpd). Exclusive perks for Visa cardholders cater to individuals seeking discounts when booking accommodation. With 1.4 mpd on local spend and flexible redemption options (miles, cashback, vouchers), it suits both travel enthusiasts and everyday spenders.
UOB PRVI Miles American Express Card
UOB PRVI Miles American Express Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Foreign Currency Transaction Fee | 3.25% |
| Airmiles Overseas | Up to 3 miles / dollar |
| Rewards Points Overseas Spending | UNI$ 6 |
product_details
Singsaver’s take
The UOB PRVI Miles American Express Card offers high miles earn on overseas spending (up to 3 mpd) and travel bookings via Agoda/Expedia (up to 8 mpd). Exclusive perks for AMEX cardholders cater to individuals seeking a more luxurious experience and rewards beyond just miles. With 1.4 mpd on local spend and flexible redemption options (miles, cashback, vouchers), it suits both travel enthusiasts and everyday spenders.
UOB PRVI Miles World Mastercard
UOB PRVI Miles World MasterCard
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Foreign Currency Transaction Fee | 3.25% |
| Airmiles Overseas | Up to 3 miles / dollar |
| Rewards Points Overseas Spending | UNI$ 6 |
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Singsaver’s take
The UOB PRVI Miles Visa Card offers high miles earn on overseas spending (up to 3 mpd) and travel bookings via Agoda/Expedia (up to 8 mpd). Exclusive perks for Mastercard holders cater to individuals seeking peace of mind when making purchases online. With 1.4 mpd on local spend and flexible redemption options (miles, cashback, vouchers), it suits both travel enthusiasts and everyday spenders.
UOB Lady’s Solitaire Card
UOB Lady's Solitaire Card
| Min. Annual Income | S$ 120,000 |
|---|---|
| Foreign Currency Transaction Fee | 3.25% |
| Airmiles Overseas | 4 miles per dollar |
| Rewards Points Overseas Spending | UNI$ 10 per S$5 |
product_details
Singsaver’s take
The UOB Lady’s Solitaire Card targets high-earning women in Singapore (minimum S$120,000 income) who desire tailored, high rewards on their lifestyle spending. Linked with a UOB Lady's Savings Account, it allows users to pick two quarterly bonus categories (like dining, travel, fashion) for up to 10 mpd, alongside features such as 0% interest on luxury items.
UOB Visa Signature Card
UOB Visa Signature Card
| Min. Annual Income | S$ 50,000 |
|---|---|
| Foreign Currency Transaction Fee | 3.25% |
| Airmiles Overseas | 4 miles per dollar |
| Rewards Points Overseas Spending | UNI$ 10 |
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Singsaver’s take
The UOB Visa Signature Card caters to those who frequently travel or makes overseas transactions, and won’t have a problem hitting the minimum expenditure requirements. It stands out for its versatility, offering the best of both worlds in terms of local and overseas spending as it rewards 4 mpd in both cases.
Best UOB cashback credit cards
UOB One Card
UOB One Card
on_provider_website
| Cashback Local | Up to 10% |
|---|---|
| Annual Fee | S$ 196.20 |
| Minimum Spend For Installment | S$ 500.00 |
| REWARDS | |
| |
product_details
Singsaver’s take
The UOB One Card targets individuals with consistent monthly spending (at least S$500) across everyday categories like groceries, petrol, online shopping, and dining, offering cashback on these expenses. New UOB cardholders can also benefit from temporary enhanced cashback rates on select merchants.
UOB Absolute Cashback Card
UOB Absolute Cashback Card
on_provider_website
| Cashback Local | Up to 1.7% |
|---|---|
| Annual Fee | S$ 196.20 |
| Minimum Spend For Installment | S$ 500.00 |
| REWARDS | |
| |
product_details
Singsaver’s take
The UOB Absolute Cashback Card suits individuals seeking simple, consistent rewards with a flat 1.7% cashback on almost all spending, regardless of amount. This appeals to those who dislike minimum spends and caps, and want predictable rewards across diverse categories, including typically excluded ones. The current welcome offer also attracts new UOB customers looking for initial value.
UOB EVOL Card
UOB EVOL Card
on_provider_website
| Cashback Local | Up to 10% |
|---|---|
| Annual Fee | S$ 196.20 |
| Minimum Spend For Installment | S$ 500.00 |
| REWARDS | |
| |
product_details
Singsaver’s take
The UOB EVOL Card primarily targets young working adults and those comfortable with digital transactions, as it offers a substantial 10% cashback on online and mobile contactless spending, as well as overseas in-store foreign currency transactions. This cashback is particularly appealing to those who frequently shop online or use mobile payment methods. However, the card requires a minimum monthly spend of S$800 to unlock this higher cashback rate, making it suitable for individuals with moderate monthly expenses.
Other UOB credit card details
UOB UnionPay Platinum Card
UOB UnionPay Platinum Card
| Min. Annual Income | S$ 40,000 |
|---|---|
| Annual Fee | S$ 196.20 |
| Minimum Spend For Installment | S$ 500.00 |
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Singsaver’s take
The UOB UnionPay Platinum Card suits individuals seeking a simple 2% cashback on all local and overseas spending with no minimum spend, especially those who can benefit from UnionPay perks and the current three-year annual fee waiver. However, the S$50 monthly cashback cap is a consideration for higher spenders.
UOB Visa Infinite Metal Card
UOB Visa Infinite Metal Card
| Min. Annual Income | S$ 120,000 |
|---|---|
| Annual Fee | S$ 654.00 |
| Minimum Spend For Installment | S$ 500.00 |
product_details
Singsaver’s take
The UOB Visa Infinite Metal Card targets affluent frequent international travelers (min. S$120,000 income) who value premium benefits. Its high overseas miles earn (2.4 mpd) and unlimited airport lounge access for two prioritise travel comfort and rewards. Luxury dining perks and comprehensive travel insurance further appeal to this demographic.
SingSaver’s picks for the best UOB credit card in Singapore
For the most current information, refer to the official website of the issuing institution.
UOB One Card
Our pick for: Cashbacks
The UOB One Card stands out as the best UOB card for cashback due to its high cashback rates of up to 10% on everyday spending categories. This card offers substantial rewards for regular expenses and has a waived annual fee for the first year, making it an accessible option for those seeking to maximize cashback on their daily transactions. Read our review.
UOB Absolute Cashback Card
Our pick for: Unlimited cashbacks
The UOB Absolute Cashback Card is the best UOB card for unlimited cashback because it offers a flat 1.7% cashback on almost all spending, with no minimum spend and no cashback cap. This makes it unique in the market. It provides a straightforward way to earn cashback on all transactions, including those typically excluded by other cards. Read our review.
UOB EVOL Credit Card
Our pick for: Online and mobile contactless spend
The UOB EVOL Card is the best UOB card for online and mobile contactless spending because it offers a high 10% cashback on these transactions. A key perk is the waived annual fee when you make at least 3 transactions monthly. Read our review.
Krisflyer UOB Credit Card
Our pick for: KrisFlyer miles
The KrisFlyer UOB Credit Card is the best UOB card for KrisFlyer miles, offering a competitive 3 miles per dollar on Singapore Airlines, Scoot, KrisShop, and Kris+ purchases, as well as on everyday spending like dining, online shopping, and transport. A key advantage is that miles are directly credited to your KrisFlyer account, with no transfer fees. It also offers exclusive privileges with Scoot, KrisShop, and Changi Airport. Read our review.
UOB PRVI Miles Credit Card
Our pick for: Booking plane tickets and hotels
The UOB PRVI Miles cards excel for booking plane tickets and hotels, offering up to 8 miles per dollar on Agoda and Expedia bookings. This high earn rate significantly accelerates miles accumulation for travel. All three versions (Visa, Mastercard, and American Express) share this key advantage, making them ideal for travel enthusiasts. Read our review.
UOB Preferred Platinum Card
Our pick for: Online spend
The UOB Preferred Platinum Visa Card is the best UOB card for online spend, as it offers a solid 4 mpd on a wide range of online shopping and entertainment transactions. This high earn rate, coupled with no minimum spend requirement, makes it ideal for maximising rewards on digital purchases. Read our review.
UOB Visa Signature Credit Card
Our pick for: Overseas spend
The UOB Visa Signature Card is the best UOB card for overseas spending because it rewards users with UNI$10 for every S$5 spent, equivalent to 2% cashback, on foreign currency transactions. There is also no cap on the cashback earned. Read our review.
B Lady’s Card / UOB Lady’s Solitaire Card
Our pick for: Miles
The UOB Lady's Card and UOB Lady's Solitaire Card are the best UOB cards for miles because they offer up to 10 miles per dollar on your choice of rewards categories. A key perk is the flexibility to choose and change these categories quarterly to align with your spending habits. Read our review.
Factors to consider before choosing a UOB credit card
With over nine UOB credit cards listed so far, we understand if you are feeling slightly overwhelmed. After all, choosing the right credit card is a commitment nonetheless, and should not be chosen rashly.
That said, we have some tips to help you. Here are some things to consider before selecting a UOB credit card (or any credit card, for that matter):
#1: Annual income requirement
Before applying for any credit card, you need to ensure that you meet the card's minimum annual income requirement. While most credit cards follow the MAS-mandated benchmark starting from S$30,000 per year, you cannot assume that. Some credit cards (see: premium credit cards) demand a much higher annual income requirement.
Among this list itself, we have a few examples. Both the UOB Lady's Solitaire Card and UOB Visa Infinite Metal Card require a minimum of S$120,000 annual income. Also, the income requirements are different for locals and foreigners, so do check respectively.
#2: Annual fee
Speaking of annual income requirements, a credit card's annual fee also abides by a similar “minimum value benchmark” logic. Most credit cards possess an annual fee of S$196.20 (incl. 9% GST) per year. And if you are following our drift, you can probably guess what we are going to mention next.
Exceptions to this S$196.20 standard vary depending on the bank. This is how the annual fees differ for UOB credit cards:
|
Annual fee (incl. 9% GST) |
Credit card |
Annual fee waiver |
|
S$196.20 |
UOB One, UOB Absolute Cashback, KrisFlyer UOB, UOB Preferred Platinum Visa, UOB Lady's Card, UOB EVOL |
✅ First year waived |
|
S$218 |
UOB Visa Signature |
|
|
S$261.60 |
UOB PRVI Miles (Visa, Mastercard, AMEX) |
|
|
S$414.20 |
UOB Lady's Solitaire |
|
|
Free |
UOB EVOL |
Min. 3 monthly purchases for 12 consecutive months |
If you have noticed, UOB pretty much waives the first year's annual fee for most, if not all, of their credit cards. This is a common practice among most banks in Singapore, so actually, a card without an annual fee waiver is technically a minority already.
And even if you have already waived your card's first year's annual fee, it is said that there are ways to continue waiving them off. Refer to our annual fee waiver guide here to learn how to do so according to banks.
#3: Other eligibility, fees and charges
Every credit card comes with a set of eligibility requirements, fees, and charges. While we have already addressed annual income and annual fees, it is time to look at other eligibility considerations and their definitions:
|
Eligibility, fees, & charges |
What it means |
|
Late payment charge |
The fee imposed when you fail to pay your credit card bill on time |
|
Cash advance fee |
The minimum amount on your credit card bill that you have to pay |
|
Minimum monthly (re-)payment |
The lowest amount you are required to pay to meet your credit card's agreement |
|
Overlimit fee |
The fee imposed when you exceed your month's credit limit |
|
Interest on purchases |
The charge imposed when you fail to fully pay off your statement balance by the end of the billing cycle in which the purchases were made |
|
Interest on cash advance |
The charge imposed when you fail to fully pay off your statement balance by the end of the billing cycle in which the cash advance was made |
|
Foreign transaction fee |
The fee imposed by the card issuer & payment processor network (e.g. Visa, Mastercard, AMEX) whenever an overseas transaction is charged to your credit card |
|
Dynamic currency conversion fee (DCC) |
The fee imposed when paying a transaction in your card's local currency (e.g. SGD) rather than in foreign currency (the destination's currency, e.g. AUD, KRW, etc.) |
|
Minimum age |
You usually need to be at least 21 years old (and employed by a company) to apply for credit cards. |
#4: Cashback or miles?
These should be rather self-explanatory but you need to ask yourself: are you a cashback enthusiast or a miles chaser? Based on which rebate you value more, you can then narrow down to which UOB credit card within the type is best for you.
💡 Pro-tip: Rewards credit cards and miles credit cards are usually synonymous with each other, except for travel credit cards. Those are miles-earning cards unless stated otherwise.
How to apply for a UOB credit card via SingSaver?
To apply for your desired UOB credit card, simply click any of the “Apply Now” buttons in this article and complete the application form on our SingSaver site via Singpass MyInfo.
If you do not possess a Singpass account, you will need to prepare the relevant documents separately. Refer to each credit card's respective webpage to learn more about which documents are needed accordingly.
Types of UOB rewards
UOB UNI$ rewards points
With UOB, rewards come in the form of UNI$, earned on eligible transactions with selected credit cards. These points go beyond everyday spending: you can rack them up through sign-up promotions, spending at participating merchants, or within specific categories.
For every S$5 spent, UNI$ are credited to your account, which explains why the points earned might slightly differ from your expectations. Versatile and rewarding, UNI$ can be redeemed for air miles, offers and vouchers, or cash credits, making them a handy perk to offset expenses or indulge in little luxuries
UOB PRVI air miles
You can enjoy UOB PRVI air miles if you have a UOB PRVI Miles credit card. Local spending brings you 3.5 UNI$ for every S$5 spent, which works out to 1.4 miles per S$1, while overseas and foreign currency transactions earn 6 UNI$ for every S$5, or 2.4 miles per S$1. Everyday purchases, whether at home or abroad, will effortlessly add to your growing pool of rewards.
These UNI$ can then be converted into air miles with programmes like KrisFlyer or Asia Miles, giving you the flexibility to redeem flights, upgrades, and other travel perks.
UOB$ (formerly SMART$) cash rebates
UOB’s revamped UOB$ programme (formerly SMART$) offers instant credit card cashback rewards, giving cardholders more ways to save on everyday spending.
With every UOB card transaction at over 950 participating merchants, you can earn up to 10% cashback on in-store purchases. The best part? Your earned UOB$ is automatically applied to offset your next bill at the same merchant.
Cashback
Cashback from UOB credit cards provides a straightforward way to save money on your everyday spending. Depending on the card, you can earn a percentage of your spending back as cash rebates, which are automatically credited to your account or used to offset your bills.
From 1st November 2024, UOB cardholders can now earn both UOB$ cashback and UNI$ rewards or air miles when shopping at UOB$ merchants.
For example, a purchase at Toast Box now earns 3% UOB$ cashback (or 6% on Fridays) along with 4 mpd if you use the UOB Preferred Platinum Visa or UOB Lady’s Card (with Dining as a bonus category). This update makes spending at UOB$ merchants more rewarding than ever, reversing the previous trend of avoiding them.
Frequently asked questions about UOB credit cards
Which UOB credit card has no minimum spend?
The following UOB credit cards have no minimum spend:
-
UOB Lady’s Card / Lady’s Solitaire Card
-
KrisFlyer UOB Credit Card
-
UOB Preferred Platinum Visa Card
-
UOB PRVI Miles Visa Card / World Mastercard / American Express Card
-
UOB Absolute Cashback Card
-
UOB UnionPay Platinum Card
-
Can I get instant approval for UOB credit cards?
In Singapore, UOB offers instant approval for new-to-bank Singaporean or PR applicants who use MyInfo to complete their applications for UOB credit cards between 7:00 am and 8:00 pm.
Which UOB credit cards have no annual fee?
The UOB EVOL card waives the annual fee, as long as you make a minimum of 3 transactions every month for 12 consecutive months, prior to your card annual fee charge.