Best UOB Credit Cards 2021

With hundreds of cards with different kinds of rewards, it could seem impossible to narrow down the list to a few that best fits your situation. After reviewing 100+ credit card options, our experts came up to with the best credit cards from UOB to help make your decisions easier.

Compare Best UOB Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best UOB credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best UOB credit cards compare to one another in terms of their rewards
Best UOB Credit Cards in Singapore by Estimated 2-Year Dollar Value
UOB One:
  • Highest flat rebate on the market, earn up to $300/qtr
KrisFlyer UOB:
  • 3mi/S$1 on dining, transport, shopping & travel
UOB PRVI Miles Amex:
  • Fee-Waiver + 20k bonus miles, 2.4 miles per $1 overseas
UOB EVOL:
  • Rebates on online and contactless spend with easy fee-waiver
UOB Visa Signature:
  • Up to 4mi/S$1 on local petrol, contactless & overseas
UOB Preferred Platinum:
  • Miles for online & mobile contactless spend

UOB Absolute Cashback:

  • Unlimited 1.7% cashback on all spend

Compare Best UOB Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how best UOB credit cards compare to one another in terms of their rewards
Best UOB Credit Cards in Singapore by Estimated 2-Year Dollar Value

UOB One Credit Card: Best Rebate for Stable Budgets

UOB One Card offers great cashback rates (up to 10%) for consistent spenders looking to earn cashback on everyday essentials, such as dining, shopping and petrol.
  • Pros
    • Good fit for budgets of at least S$2,000 per month
    • Easy cashback on daily spend
    • Gives rebates for paying bills
    • Cons
      • Doesn't fit high budgets or low/inconsistent budgets
      • Annual fee
      • Annual fee: S$192.60 (first year- waived)
      • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
      • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 6% on utilities bills
      • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
      • 3.33% rebate, up to S$50/quarter (S$500 min spend)
      • 0.03% rebate on all spend if no rebate earned for calendar year
      • Up to 20.80% savings at Shell and 24% at SPC
      UOB One Card is an extraordinary card for those with stable budgets. In fact, if you consistently spend S$2,000/month, you’ll earn the highest flat rebate on the market–5% on general spend, up to S$300/quarter, boosted to 10% on Grab & select UOB Travel and 6% on utilities bills. Lower or inconsistent spenders earn a still relatively high 3.33% rebate, capped at S$50 or S$100/quarter based on minimum spend level.


      One of the great things about UOB One Card is that nearly all spend is eligible for rebates. This even includes recurring bills and insurance premiums. This makes it even easier to hit the highest rebate tier because you can consolidate all of your spend onto one card–hence the name, UOB One Card.

      Even better, you can ‘double earn’ through the UOB SMART$ Programme. Spend with select merchants like Cold Storage and UOI insurance not only counts towards reaching your minimum, it also earns an extra rebate. Cardholders even enjoy some of the highest petrol discounts on the market, with up to 24% fuel savings with SPC and 20.8% with Shell. Overall, UOB One Card is the perfect option if you’re a stable spender and want one, easy-to-use card that will maximise rebates.

      UOB One Card offers great cashback rates (up to 10%) for consistent spenders looking to earn cashback on everyday essentials, such as dining, shopping and petrol.
      • Pros
        • Good fit for budgets of at least S$2,000 per month
        • Easy cashback on daily spend
        • Gives rebates for paying bills
        • Cons
          • Doesn't fit high budgets or low/inconsistent budgets
          • Annual fee
          • Annual fee: S$192.60 (first year- waived)
          • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend) with min 5 transactions/mo
          • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 6% on utilities bills
          • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
          • 3.33% rebate, up to S$50/quarter (S$500 min spend)
          • 0.03% rebate on all spend if no rebate earned for calendar year
          • Up to 20.80% savings at Shell and 24% at SPC

          UOB One Card is an extraordinary card for those with stable budgets. In fact, if you consistently spend S$2,000/month, you’ll earn the highest flat rebate on the market–5% on general spend, up to S$300/quarter, boosted to 10% on Grab & select UOB Travel and 6% on utilities bills. Lower or inconsistent spenders earn a still relatively high 3.33% rebate, capped at S$50 or S$100/quarter based on minimum spend level.


          One of the great things about UOB One Card is that nearly all spend is eligible for rebates. This even includes recurring bills and insurance premiums. This makes it even easier to hit the highest rebate tier because you can consolidate all of your spend onto one card–hence the name, UOB One Card.

          Even better, you can ‘double earn’ through the UOB SMART$ Programme. Spend with select merchants like Cold Storage and UOI insurance not only counts towards reaching your minimum, it also earns an extra rebate. Cardholders even enjoy some of the highest petrol discounts on the market, with up to 24% fuel savings with SPC and 20.8% with Shell. Overall, UOB One Card is the perfect option if you’re a stable spender and want one, easy-to-use card that will maximise rebates.

          KrisFlyer UOB Credit Card: Top Miles for Young SIA Loyalists

          KrisFlyer UOB Credit Card is a great card for frequent flyers with Singapore Airlines – earn 3mi/S$1 spend on SA, Scoot and KrisShop spend, and 1.2 miles on all other spend.
          • Pros
            • 3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop
            • Up to 3 mi on dining, transport, online shopping & travel
            • Expedited KF Elite Silver status, Scoot privileges
            • 10,000 annual bonus renewal miles
            • Cons
              • Just 1.2 mi on non-category overseas spend
              • No lounge access perks
              • No spend-based fee-waiver
              • Annual fee: S$192.60 (first year - waived
              • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
              • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
              • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
              • 10,000 annual bonus renewal miles
              • 3,000 welcome miles after first transaction (min S$5)
              KrisFlyer UOB Card is a great option for SIA loyalists–especially young adults who tend to fly on a budget. Cardholders earn 3 KF miles per S$1 on all spend with SIA brands (SIA, SilkAir, Scoot & KrisShop) and 1.2 miles per S$1 on general local & overseas purchases. This general rate is boosted to an incredible 3 miles on dining, transport, online fashion shopping & travel bookings with just S$500 annual spend with SIA brands. These categories are a great fit to the lifestyle of millennial travellers who are willing to commit to SIA airlines.


              Such individuals may also be interested in KF UOB Card's practical and convenient perks on SIA's budget airline, Scoot (priority check-in, upgraded baggage allowances, booking flexibility waivers and free standard seat selection) and its S$15 vouchers for Grab trips to and from Changi airport as well as for ChangiWiFi. While there aren't any of the typical luxury perks, KF UOB Card does offer expedited KrisFlyer Elite Silver Status (min. S$5k annual SIA spend) and 10,000 annual renewal bonus miles. This bonus, worth about S$100, offsets the moderate S$192.6 fee, which makes KrisFlyer UOB Card even more affordable and accessible to young travellers who prefer SIA.

              KrisFlyer UOB Credit Card is a great card for frequent flyers with Singapore Airlines – earn 3mi/S$1 spend on SA, Scoot and KrisShop spend, and 1.2 miles on all other spend.
              • Pros
                • 3 mi per S$1 on SIA, SilkAir, Scoot & KrisShop
                • Up to 3 mi on dining, transport, online shopping & travel
                • Expedited KF Elite Silver status, Scoot privileges
                • 10,000 annual bonus renewal miles
                • Cons
                  • Just 1.2 mi on non-category overseas spend
                  • No lounge access perks
                  • No spend-based fee-waiver
                  • Annual fee: S$192.60 (first year - waived
                  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
                  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
                  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
                  • 10,000 annual bonus renewal miles
                  • 3,000 welcome miles after first transaction (min S$5)

                  KrisFlyer UOB Card is a great option for SIA loyalists–especially young adults who tend to fly on a budget. Cardholders earn 3 KF miles per S$1 on all spend with SIA brands (SIA, SilkAir, Scoot & KrisShop) and 1.2 miles per S$1 on general local & overseas purchases. This general rate is boosted to an incredible 3 miles on dining, transport, online fashion shopping & travel bookings with just S$500 annual spend with SIA brands. These categories are a great fit to the lifestyle of millennial travellers who are willing to commit to SIA airlines.


                  Such individuals may also be interested in KF UOB Card's practical and convenient perks on SIA's budget airline, Scoot (priority check-in, upgraded baggage allowances, booking flexibility waivers and free standard seat selection) and its S$15 vouchers for Grab trips to and from Changi airport as well as for ChangiWiFi. While there aren't any of the typical luxury perks, KF UOB Card does offer expedited KrisFlyer Elite Silver Status (min. S$5k annual SIA spend) and 10,000 annual renewal bonus miles. This bonus, worth about S$100, offsets the moderate S$192.6 fee, which makes KrisFlyer UOB Card even more affordable and accessible to young travellers who prefer SIA.

                  UOB PRVI Miles American Express Card: No-Fee Miles for Affluent Travellers

                  UOB PRVI Miles Amex Card is a great travel companion with one of the highest rewards on the market – earn 6mi/S$1 on Agoda, Expedia and UOB Travel spend, 2.4mi/S$1 on overseas and 1.4mi/S$1 on local spend.
                  • Pros
                    • Great for rapid miles accrual
                    • Awards high spend on airlines & hotels
                    • No-fee card
                    • Cons
                      • Doesn't fit infrequent travellers with mostly local budgets
                      • Lacks luxury perks & privileges
                      • Annual fee: S$256.80 (first year- waived)
                      • Annual fee waived and 20,000 bonus annual renewal miles (worth S$200) with min annual spend of S$50,000
                      • 1.4 miles/ S$1 local spend, 2.4 miles/S$1 overseas
                      • 6 miles/S$1 spend on Expedia, Agoda and UOB Travel
                      • Complimentary airport transfers & free travel insurance
                      • UOB PRVI Travel Butler & Amex Essentials
                      • Can choose to redeem for miles or cashback
                      UOB PRVI Miles American Express Card is the absolute best travel card for above-average spenders because of its top rewards rates and fee-waiver. Cardholders earn at some of the highest rates on the market–1.4 miles per S$1 local spend, 2.4 miles overseas, and 6 miles with major hotels and airlines. This matches or exceeds the rates offered by even the most expensive travel cards.


                      UOB PRVI Miles Card, however, has an annual fee of just S$256.8, compared to S$450+ with competitors. Even better, cardholders who spend S$50,000/year (about S$4,167/month) are exempt from the fee altogether. At this spend level, cardholders also receive 20,000 bonus miles (worth S$200). No other travel card with such high rates offers a fee-waiver, making UOB PRVI Miles Card the absolute best way to rapidly accrue miles while potentially avoiding a fee. Finally, while UOB PRVI Miles Card does not have as many perks as alternatives, cardholders still enjoy free travel insurance and airport transfers.

                      UOB PRVI Miles Amex Card is a great travel companion with one of the highest rewards on the market – earn 6mi/S$1 on Agoda, Expedia and UOB Travel spend, 2.4mi/S$1 on overseas and 1.4mi/S$1 on local spend.
                      • Pros
                        • Great for rapid miles accrual
                        • Awards high spend on airlines & hotels
                        • No-fee card
                        • Cons
                          • Doesn't fit infrequent travellers with mostly local budgets
                          • Lacks luxury perks & privileges
                          • Annual fee: S$256.80 (first year- waived)
                          • Annual fee waived and 20,000 bonus annual renewal miles (worth S$200) with min annual spend of S$50,000
                          • 1.4 miles/ S$1 local spend, 2.4 miles/S$1 overseas
                          • 6 miles/S$1 spend on Expedia, Agoda and UOB Travel
                          • Complimentary airport transfers & free travel insurance
                          • UOB PRVI Travel Butler & Amex Essentials
                          • Can choose to redeem for miles or cashback

                          UOB PRVI Miles American Express Card is the absolute best travel card for above-average spenders because of its top rewards rates and fee-waiver. Cardholders earn at some of the highest rates on the market–1.4 miles per S$1 local spend, 2.4 miles overseas, and 6 miles with major hotels and airlines. This matches or exceeds the rates offered by even the most expensive travel cards.


                          UOB PRVI Miles Card, however, has an annual fee of just S$256.8, compared to S$450+ with competitors. Even better, cardholders who spend S$50,000/year (about S$4,167/month) are exempt from the fee altogether. At this spend level, cardholders also receive 20,000 bonus miles (worth S$200). No other travel card with such high rates offers a fee-waiver, making UOB PRVI Miles Card the absolute best way to rapidly accrue miles while potentially avoiding a fee. Finally, while UOB PRVI Miles Card does not have as many perks as alternatives, cardholders still enjoy free travel insurance and airport transfers.

                          UOB EVOL Card: Cashback for Young Adults

                          UOB EVOL, he first bio-sourced card in the region, offers more than just discounts on eco-friendly merchants - enjoy 8% cashback on all online and contactless spend with just S$600 min spend.
                          • Pros
                            • Easy to use cashback card
                            • Annual fee waived with 3 transactions per month
                            • Great for budgets of at least S$600/month
                            • Rewards all online and mobile spend
                            • Cons
                              • Lacks cashback on essentials (ie groceries, bills)
                              • Cashback capped at S$60/mo
                              • Annual fee: S$192.60 (first year- waived)
                              • Subsequently waived after you make 3 transactions monthly
                              • 8% cashback on online and mobile contactless spend
                              • 0.3% cashback on all other spend
                              • S$600 min spend, S$60 cashback cap
                              • Southeast Asia’s first bio-sourced card
                              Formerly known as the YOLO Card, UOB EVOL Card has only gotten better for younger spenders. Where the YOLO Card's max cashback used to be active only on weekends, the new EVOL card awards the full 8% cashback any day of the week, so long as you use mobile contactless spend via Apply Pay, Google Pay, Samsung Pay or Fitbit Pay. In addition, the cashback for all online spend has been upgraded to 8% from 3%, and is no longer limited to just dining and travel.


                              You must spend S$600 to access these rates and can earn up to S$60 cashback every month: S$20 online, S$20 with mobile contactless payments and S$20 with the general rate of 0.3% cashback. While there’s a S$192.60 fee, it’s waived the first year. One area where cardholders may miss the YOLO Card is the exclusive access promos and deals for trendy clubs and restaurants. Instead of these, UOB EVOL Card's new suite of deals appear to be themed for sustainable living, with offers focused on healthy eats and eco-conscious brands.

                              UOB EVOL, he first bio-sourced card in the region, offers more than just discounts on eco-friendly merchants - enjoy 8% cashback on all online and contactless spend with just S$600 min spend.
                              • Pros
                                • Easy to use cashback card
                                • Annual fee waived with 3 transactions per month
                                • Great for budgets of at least S$600/month
                                • Rewards all online and mobile spend
                                • Cons
                                  • Lacks cashback on essentials (ie groceries, bills)
                                  • Cashback capped at S$60/mo
                                  • Annual fee: S$192.60 (first year- waived)
                                  • Subsequently waived after you make 3 transactions monthly
                                  • 8% cashback on online and mobile contactless spend
                                  • 0.3% cashback on all other spend
                                  • S$600 min spend, S$60 cashback cap
                                  • Southeast Asia’s first bio-sourced card

                                  Formerly known as the YOLO Card, UOB EVOL Card has only gotten better for younger spenders. Where the YOLO Card's max cashback used to be active only on weekends, the new EVOL card awards the full 8% cashback any day of the week, so long as you use mobile contactless spend via Apply Pay, Google Pay, Samsung Pay or Fitbit Pay. In addition, the cashback for all online spend has been upgraded to 8% from 3%, and is no longer limited to just dining and travel.


                                  You must spend S$600 to access these rates and can earn up to S$60 cashback every month: S$20 online, S$20 with mobile contactless payments and S$20 with the general rate of 0.3% cashback. While there’s a S$192.60 fee, it’s waived the first year. One area where cardholders may miss the YOLO Card is the exclusive access promos and deals for trendy clubs and restaurants. Instead of these, UOB EVOL Card's new suite of deals appear to be themed for sustainable living, with offers focused on healthy eats and eco-conscious brands.

                                  UOB Visa Signature Card: Easy Miles for Occasional Travellers

                                  UOB Visa Signature Card
                                  UOB Visa Signature Card
                                  UOB Visa Signature Card offers 4mi/S$1 spend on online, contactless, petrol and overseas transactions, while other spend earns 0.4mi/S$1 spend. It's also SimplyGo compatible.
                                  • Pros
                                    • 4 mi (2 UNI$) / S$1 local contactless & petrol
                                    • 4 mi (2 UNI$) / S$1 overseas (inc. online)
                                    • Access to SMART$ Rebate programme
                                    • Free travel insurance
                                    • Cons
                                      • General spend earns 0.4 mi (0.2 UNI$) / S$1
                                      • S$1k local + S$1k overseas min. spend
                                      • Petrol rate excludes SPC & Shell
                                      • Few travel perks
                                      • Annual fee: S$214 ( waived for one year)
                                      • 10 miles (5 UNI$) per S$1 spend overseas, petrol and contactless transactions (w/ S$1k min. spend)
                                      • 0.4 miles (0.2 UNI$) per S$1 spend on all other transactions
                                      • Free travel insurance
                                      • Access to SMART$ Programme
                                      • UOB Year-Round Privileges
                                      UOB Visa Signature Card is a great option for miles-seeking consumers with moderate budgets and variable travel schedules. Cardholders who spend at least S$1k overseas/month earn 4 miles/S$1 on foreign currency transactions. Those who spend S$1k/month locally earn 4 miles/S$1 on petrol & contactless transactions (both via Visa payWave and mobile digital wallets). These categories capture almost all types of spend, and those who hit both minimums (or spend S$2k in one category alone) can max out the 8k miles/month earnings cap. This cap has a value-to-consumer of about S$80, which is quite competitive.


                                      While UOB Visa Signature Card has one of the highest overseas rates on the market, it does not offer many travel perks. In fact, cardholders just receive complimentary travel insurance, which is limited to the cardholder alone. Still, the S$214.0 annual fee is fairly reasonable and is waived for the 1st year. Overall, modern, miles-seeking spenders with budgets of about S$2k/month should definitely consider UOB Visa Signature Card.

                                      UOB Visa Signature Card
                                      UOB Visa Signature Card
                                      UOB Visa Signature Card offers 4mi/S$1 spend on online, contactless, petrol and overseas transactions, while other spend earns 0.4mi/S$1 spend. It's also SimplyGo compatible.
                                      • Pros
                                        • 4 mi (2 UNI$) / S$1 local contactless & petrol
                                        • 4 mi (2 UNI$) / S$1 overseas (inc. online)
                                        • Access to SMART$ Rebate programme
                                        • Free travel insurance
                                        • Cons
                                          • General spend earns 0.4 mi (0.2 UNI$) / S$1
                                          • S$1k local + S$1k overseas min. spend
                                          • Petrol rate excludes SPC & Shell
                                          • Few travel perks
                                          • Annual fee: S$214 ( waived for one year)
                                          • 10 miles (5 UNI$) per S$1 spend overseas, petrol and contactless transactions (w/ S$1k min. spend)
                                          • 0.4 miles (0.2 UNI$) per S$1 spend on all other transactions
                                          • Free travel insurance
                                          • Access to SMART$ Programme
                                          • UOB Year-Round Privileges

                                          UOB Visa Signature Card is a great option for miles-seeking consumers with moderate budgets and variable travel schedules. Cardholders who spend at least S$1k overseas/month earn 4 miles/S$1 on foreign currency transactions. Those who spend S$1k/month locally earn 4 miles/S$1 on petrol & contactless transactions (both via Visa payWave and mobile digital wallets). These categories capture almost all types of spend, and those who hit both minimums (or spend S$2k in one category alone) can max out the 8k miles/month earnings cap. This cap has a value-to-consumer of about S$80, which is quite competitive.


                                          While UOB Visa Signature Card has one of the highest overseas rates on the market, it does not offer many travel perks. In fact, cardholders just receive complimentary travel insurance, which is limited to the cardholder alone. Still, the S$214.0 annual fee is fairly reasonable and is waived for the 1st year. Overall, modern, miles-seeking spenders with budgets of about S$2k/month should definitely consider UOB Visa Signature Card.

                                          UOB Preferred Platinum: Boosted Miles for Online & Mobile-Pay

                                          UOB Preferred Platinum Visa Card
                                          UOB Preferred Platinum Visa Card
                                          UOB Preferred Platinum awards UNI$5/S$1 spend on mobile contactless purchases, as well as online shopping and entertainment. It also comes with additional shopping and dining privileges.
                                          • Pros
                                            • Great fit for smaller budgets seeking miles rewards
                                            • Rewards online shopping
                                            • Cons
                                              • Lacks luxury perks for frequent travellers
                                              • Doesn't fit traditional spenders uncomfortable w/ digital wallets
                                              • Annual fee
                                              • Annual fee: S$192.60 (first year- waived)
                                              • 4 miles (2 UNI$) per S$1 online & mobile contactless spend
                                              • UOB SMART$ Rebate Programme
                                              • UOB Dining & Year-Round Privileges
                                              UOB Preferred Platinum Card is the best miles-earning everyday card for modern spenders–especially those on a budget. Cardholders earn a competitive 4 miles (2 UNI$) for every S$1 spend online or with a mobile digital wallet (like Apple Pay, Google Pay, Fitbit Pay & more). These categories are incredibly flexible as there are no merchant restrictions and most merchants now accept contactless payments. As a result, tech-savvy individuals can easily earn miles for nearly all of their spend.


                                              There is one potential drawback, however. Rewards are capped at just 4k miles (2k UNI$) per month, which is roughly equal to S$40 in value-to-consumer. This cap is somewhat low and can be maxed out with just S$1k spend, which may be restrictive for those with moderate or larger budgets. Overall, UOB Preferred Platinum Card is a great option for modern spenders, especially those with a budget of about S$1k/month.

                                              UOB Preferred Platinum Visa Card
                                              UOB Preferred Platinum Visa Card
                                              UOB Preferred Platinum awards UNI$5/S$1 spend on mobile contactless purchases, as well as online shopping and entertainment. It also comes with additional shopping and dining privileges.
                                              • Pros
                                                • Great fit for smaller budgets seeking miles rewards
                                                • Rewards online shopping
                                                • Cons
                                                  • Lacks luxury perks for frequent travellers
                                                  • Doesn't fit traditional spenders uncomfortable w/ digital wallets
                                                  • Annual fee
                                                  • Annual fee: S$192.60 (first year- waived)
                                                  • 4 miles (2 UNI$) per S$1 online & mobile contactless spend
                                                  • UOB SMART$ Rebate Programme
                                                  • UOB Dining & Year-Round Privileges

                                                  UOB Preferred Platinum Card is the best miles-earning everyday card for modern spenders–especially those on a budget. Cardholders earn a competitive 4 miles (2 UNI$) for every S$1 spend online or with a mobile digital wallet (like Apple Pay, Google Pay, Fitbit Pay & more). These categories are incredibly flexible as there are no merchant restrictions and most merchants now accept contactless payments. As a result, tech-savvy individuals can easily earn miles for nearly all of their spend.


                                                  There is one potential drawback, however. Rewards are capped at just 4k miles (2k UNI$) per month, which is roughly equal to S$40 in value-to-consumer. This cap is somewhat low and can be maxed out with just S$1k spend, which may be restrictive for those with moderate or larger budgets. Overall, UOB Preferred Platinum Card is a great option for modern spenders, especially those with a budget of about S$1k/month.

                                                  UOB Absolute Cashback Card: Unlimited Cashback on All Spend

                                                  PROMO: GET S$150 CASHBACK
                                                  UOB Absolute Cashback offers the highest unlimited cashback rate on the market – 1.7%, on all spend, including rent and insurance payments. In addition, enjoy exclusive Amex and UOB perks.
                                                  • Pros
                                                    • Unlimited cashback
                                                    • No min, caps or exclusions
                                                    • American Express Card privileges
                                                    • Cons
                                                      • Low cashback rate for smaller budgets
                                                      • Annual fee
                                                      • Annual fee: S$192.60 (first year - waived)
                                                      • 1.7% unlimited cashback
                                                      • No min spend and no spend exclusions
                                                      • Earn cashback on insurance payments, school fees, wallet top-ups
                                                      • Cashback also available on healthcare, utilities and telco bills and rental payments
                                                      UOB Absolute Cashback Card offers 1.7% limitless cashback, with no minimum spend and no exclusions, making this the highest unlimited cashback card. While a rate of 1.7% isn't as high as some other cards on the market, higher rates often come with monthly caps and restrictions. For more affluent spenders this card will earn higher cashback at the end of the month.


                                                      What makes this card unique is that you can actually earn cashback on all spend, even on categories often excluded by other cards, such as: insurance payments, school feels, medical bills and rental payments. Wallet top-ups, utilities and telco bills spend will also earn cashback.Another benefit of UOB Absolute Cashback Card is the exclusive American Express Card privileges that you can enjoy, from complimentary 6-month FoundersCard membership to 50% savings on dining, shopping and accommodation. UOB Absolute also offers 20.8% savings at Shell stations and up to 24% savings at SPC.

                                                      PROMO: GET S$150 CASHBACK
                                                      UOB Absolute Cashback offers the highest unlimited cashback rate on the market – 1.7%, on all spend, including rent and insurance payments. In addition, enjoy exclusive Amex and UOB perks.
                                                      • Pros
                                                        • Unlimited cashback
                                                        • No min, caps or exclusions
                                                        • American Express Card privileges
                                                        • Cons
                                                          • Low cashback rate for smaller budgets
                                                          • Annual fee
                                                          • Annual fee: S$192.60 (first year - waived)
                                                          • 1.7% unlimited cashback
                                                          • No min spend and no spend exclusions
                                                          • Earn cashback on insurance payments, school fees, wallet top-ups
                                                          • Cashback also available on healthcare, utilities and telco bills and rental payments

                                                          UOB Absolute Cashback Card offers 1.7% limitless cashback, with no minimum spend and no exclusions, making this the highest unlimited cashback card. While a rate of 1.7% isn't as high as some other cards on the market, higher rates often come with monthly caps and restrictions. For more affluent spenders this card will earn higher cashback at the end of the month.


                                                          What makes this card unique is that you can actually earn cashback on all spend, even on categories often excluded by other cards, such as: insurance payments, school feels, medical bills and rental payments. Wallet top-ups, utilities and telco bills spend will also earn cashback.Another benefit of UOB Absolute Cashback Card is the exclusive American Express Card privileges that you can enjoy, from complimentary 6-month FoundersCard membership to 50% savings on dining, shopping and accommodation. UOB Absolute also offers 20.8% savings at Shell stations and up to 24% savings at SPC.

                                                          Learn More About Maximising Your Rewards with UOB

                                                          UOB One Card vs HSBC Advance Card

                                                          HSBC Advance Credit Card
                                                          HSBC Advance Credit Card
                                                          • Up to 3.5% flat cashback, lofty S$300/month rewards cap
                                                          • Annual Fee:S$192.60
                                                          • Promotions:
                                                          • Read Our Full Review
                                                          HSBC Advance Card is the best flat rate card for high spenders. Customers earn an extraordinary 2.5% flat cashback after reaching a S$2,000 minimum monthly spend, and 1.5% cashback if spend is below S$2,000 with a monthly cap of S$70. An additional 1% bonus cashback can be earned simply by depositing at least S$2,000 in fresh funds to your account and charging five transactions. This additional step will allow you to raise the cashback cap from S$70 to S$300/month, which is S$3,600/year in savings– the highest earning potential for a capped card on the market!

                                                          UOB One Card vs American Express True Cashback Card

                                                          • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
                                                          • Annual Fee:S$171.20
                                                          • Promotions: New to Bank applicants can receive S$20 CapitaVouchers upon 1st transaction within 1st month of Card approval, and S$100 CapitaVouchers with S$500 spend within first month of Card approval.
                                                          • Read Our Full Review
                                                          American Express True Cashback Card is a great option for the highest spenders because it offers unlimited earning potential. Cardholders earn 1.5% unlimited cashback on all spend, boosted to 3% for the first 6 months (up to S$150). While these rates are lower than those offered by UOB One Card, high spenders may feel constrained by UOB One Card’s earning caps. If you spend S$7,000+/month, you’re more likely to maximise cashback with Amex True Cashback Card; if you spend closer to S$2,000/month, you may prefer UOB One Card.

                                                          UOB PRVI Miles Amex Card vs SC Visa Infinite X Card

                                                          Standard Chartered Visa Infinite X Credit Card
                                                          Standard Chartered Visa Infinite X Credit Card
                                                          • Receive S$6,000 cash reward for investing w/ SC Bank
                                                          • Annual Fee:S$695.50
                                                          • Promotions: New cardholders receive 30,000 miles at sign-up (75,000 360 Rewards Points) (until Dec 31, 2021)
                                                          • Read Our Full Review
                                                          Standard Chartered Visa Infinite X Card is one of the best options available for very wealthy travellers looking to rapidly accrue miles. The card's real stand-out feature is its sign-on bonus. Consumers who can place S$300k fresh funds with a SC Priority Banking account receive 10,000 bonus KrisFlyer miles (worth about S$10k when redeemed for first class air tickets). Placing S$800k earns 15,000 bonus miles, and Priority Private Banking clients who place S$1.5m in funds receive an astounding 300,000 bonus miles. Beyond the bonus, cardholders earn a standard 1.2 miles per S$1 local spend and 2 miles overseas and enjoy perks like free lounge access and hotel privileges.


                                                          SC Visa Infinite X Card does have a restrictive S$695.5 annual fee, however. While this can easily be offset by those who can take advantage of the sign-on bonus, the card mostly provides value for only the most affluent individuals, upfront. Travellers who may not be able to access SC Visa Infinite X Card's promotion–but who still have relatively large budgets–may prefer UOB PRVI Miles Amex Card, which provides a fee waiver & 20,000 miles bonus with S$50k annual spend and offers higher rewards rates, both locally and overseas.

                                                          UOB EVOL Card vs OCBC Frank Card

                                                          • 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
                                                          • Annual Fee:S$80
                                                          • Promotions:
                                                          • Read Our Full Review
                                                          OCBC Frank Card is the best no-fee rebate card for young adults, offering 6% rebate for online spend and 5% on weekend entertainment & at select cafes (3% on weekdays). While these rates are lower than UOB EVOL Card's 8%, OCBC Frank Card has a minimum spend of just S$400 offline (compared to S$600 with UOB EVOL Card).


                                                          In addition, OCBC Frank Card offers a fee-waiver; cardholders are exempt from the already low S$80.0 fee with just S$10,000 annual spend. UOB EVOL Card's fee is much higher, at S$192.6, and is only waived the first year. Overall, moderate spenders who can easily reach the higher minimum can earn more with UOB EVOL Card. Lower spenders or those who want to avoid an annual fee may prefer OCBC Frank Card.

                                                          UOB EVOL Card vs HSBC Revolution Card

                                                          HSBC Revolution Credit Card
                                                          HSBC Revolution Credit Card
                                                          • Up to 4mi/S$1 spend on online insurance & bill-pay
                                                          • Annual Fee:None
                                                          • Promotions:
                                                          • Read Our Full Review
                                                          Like UOB EVOL Card, HSBC Revolution Card rewards local dining and entertainment. However, HSBC Revolution Card stands apart by offering miles rather than cashback, offering a fee-waiver, and having no minimum spend requirement. Cardholders earn 2 miles per S$1 spend on local dining, entertainment and online spend (including bill-pay). In addition, they can avoid paying an annual fee by spending S$12,500/year. While this rewards rate equates to about 2% rebate, HSBC Revolution Card is far more flexible, and a better match for miles-seekers. However, if you can easily meet a higher minimum spend requirement and prefer cashback, UOB EVOL Card is a better fit.
                                                          UOB One v. HSBC Advance
                                                          HSBC Advance Credit Card
                                                          HSBC Advance Credit Card
                                                          HSBC Advance Card is the best flat rate card for high spenders, if they are willing to consider opening an HSBC Advance account. Advance customers earn 3.5% flat rebate after S$2,000 spend (2.5% if below), up to S$125/month. They also never pay a fee. While this rate is lower than UOB One Card’s, the monthly cap is S$25 higher. If you spend about S$3,500/month, you can max out rewards with HSBC Advance Card and earn S$1,500/year. At the same spend level, you’d earn just S$1,200/year with UOB One Card, and you’d also need to pay an annual fee.


                                                          It’s worth pointing out that non-Advance customers earn just 2.5% rebate after S$2,000 spend (1.5% if below), capped at S$70/month. There’s also an annual fee. This is less competitive. So, if you’re a higher spender, we recommend checking to see if you qualify for an HSBC Advance account so you can maximise your annual rebate with HSBC Advance Card.

                                                          UOB One vs Amex True Cashback
                                                          American Express True Cashback Card is a great option for the highest spenders because it offers unlimited earning potential. Cardholders earn 1.5% unlimited cashback on all spend, boosted to 3% for the first 6 months (up to S$150). While these rates are lower than those offered by UOB One Card, high spenders may feel constrained by UOB One Card’s earning caps. If you spend S$7,000+/month, you’re more likely to maximise cashback with Amex True Cashback Card; if you spend closer to S$2,000/month, you may prefer UOB One Card.
                                                          UOB PRVI Miles Amex vs SC Visa Infinite X
                                                          Standard Chartered Visa Infinite X Credit Card
                                                          Standard Chartered Visa Infinite X Credit Card
                                                          Standard Chartered Visa Infinite X Card is one of the best options available for very wealthy travellers looking to rapidly accrue miles. The card's real stand-out feature is its sign-on bonus. Consumers who can place S$300k fresh funds with a SC Priority Banking account receive 10,000 bonus KrisFlyer miles (worth about S$10k when redeemed for first class air tickets). Placing S$800k earns 15,000 bonus miles, and Priority Private Banking clients who place S$1.5m in funds receive an astounding 300,000 bonus miles. Beyond the bonus, cardholders earn a standard 1.2 miles per S$1 local spend and 2 miles overseas and enjoy perks like free lounge access and hotel privileges.


                                                          SC Visa Infinite X Card does have a restrictive S$695.5 annual fee, however. While this can easily be offset by those who can take advantage of the sign-on bonus, the card mostly provides value for only the most affluent individuals, upfront. Travellers who may not be able to access SC Visa Infinite X Card's promotion–but who still have relatively large budgets–may prefer UOB PRVI Miles Amex Card, which provides a fee waiver & 20,000 miles bonus with S$50k annual spend and offers higher rewards rates, both locally and overseas.

                                                          UOB EVOL vs OCBC Frank
                                                          OCBC Frank Card is the best no-fee rebate card for young adults, offering 6% rebate for online spend and 5% on weekend entertainment & at select cafes (3% on weekdays). While these rates are lower than UOB EVOL Card's 8%, OCBC Frank Card has a minimum spend of just S$400 offline (compared to S$600 with UOB EVOL Card).


                                                          In addition, OCBC Frank Card offers a fee-waiver; cardholders are exempt from the already low S$80.0 fee with just S$10,000 annual spend. UOB EVOL Card's fee is much higher, at S$192.6, and is only waived the first year. Overall, moderate spenders who can easily reach the higher minimum can earn more with UOB EVOL Card. Lower spenders or those who want to avoid an annual fee may prefer OCBC Frank Card.

                                                          UOB EVOLvs HSBC Revolution
                                                          HSBC Revolution Credit Card
                                                          HSBC Revolution Credit Card
                                                          Like UOB EVOL Card, HSBC Revolution Card rewards local dining and entertainment. However, HSBC Revolution Card stands apart by offering miles rather than cashback, offering a fee-waiver, and having no minimum spend requirement. Cardholders earn 2 miles per S$1 spend on local dining, entertainment and online spend (including bill-pay). In addition, they can avoid paying an annual fee by spending S$12,500/year. While this rewards rate equates to about 2% rebate, HSBC Revolution Card is far more flexible, and a better match for miles-seekers. However, if you can easily meet a higher minimum spend requirement and prefer cashback, UOB EVOL Card is a better fit.


                                                          In some cases, owning a credit card can also boost the interest rate you can earn with a savings account with the same bank. This is true with UOB, which boosts rates with its UOB One Savings Account for account holders who spend at least S$500/month with a UOB One, UOB EVOL, or UOB Lady's credit card. Such spending earns an impressive +1.45% p.a. bonus to the 0.05% p.a. base. Account holders can further boost their interest rate by up to +2.38% p.a. by crediting their salary or making 3 GIRO debit transactions per month (boost varies by tiers across the total balance size). Altogether, someone who uses their UOB credit card every month and credits their salary can earn a maximum EIR of 2.44% p.a. at a S$75k balance. This is one of the higher savings account interest rates available on the market.

                                                          Zoryana Melesh

                                                          Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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