Best UOB Credit Cards 2019

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, we came up to with the best credit cards from UOB to help make your decisions easier.

Best UOB Credit CardsCard Features
Best for CashbackUOB OneHighest flat rebate on the market, earn up to $300/qtr
Best for MilesUOB PRVI MilesFee-Waiver + 20,000 bonus miles, 2.4 miles per $1 overseas
Young AdultsUOB YOLOUp to 8% rebate on weekend dining, entertainment & Grab
Groceries & BillsUOB DelightUp to 17% cumulative rebate on groceries, 3% on bills

Best Rebate Card for Stable Budgets: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month

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 all spend, up to S$300/quarter. 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.

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  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Best Card for Rapid Miles Accumulation: UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month
  • Up to 10 miles per S$1 spend with Kaligo

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 10 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.

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  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Best Cashback Card for Social Young Adults: UOB YOLO Card

Consider this if you are a young adult looking for discounts and perks on dining, entertainment and travel spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Cashback boosted to 8% for all weekend online spend
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month

UOB YOLO Card offers some of the highest rebate rates on the market for social weekend spenders. Cardholders earn up to 8% cashback on weekend dining, entertainment and Grab rides (3% on weekdays). Online spend on travel and fashion also earns at top rates, though these often vary and cycle with promotions. Cardholders must spend S$600 to access these rates and can earn up to S$60/month. While there’s a S$192.6 fee, it’s waived the first year.

What really makes UOB YOLO Card stand out, however, are its unique, rotating promotions tailored specifically to young adults. Cardholders have access to 1-for-1 food & drink specials, discounts at trendy restaurants and for online food delivery, nightclub privileges, extra rebates at cinemas, and more. UOB YOLO even hosts parties at popular venues with featured DJs. Overall, if you’re spending at least S$600/month and want to earn top rates for social weekend spend, UOB YOLO Card is a great option.

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  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance

Best Rebate Card for Groceries & Bills: UOB Delight Card

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Up to S$100 worth of free Grab rides with min. S$1,000 spend within 1st month

UOB Delight Card offers the highest rebate for groceries on the market, at a cumulative 17%. Cardholders earn an 8% rebate for shopping at Cold Storage, Market Place, Jasons, Giant and Guardian, plus a 10% discount on house brands with these vendors. There’s a S$800 minimum spend requirement to access these rates, but cardholders can earn 3% on contactless transactions and recurring bills after just S$400 minimum spend.

UOB Delight Card also offers boosted discounts on dining and retail through the UOB SMART$ Programme; purchases with select vendors earn SMART$ (worth S$1 each) which can be used to offset future purchases. While there’s a S$85.6 fee, it’s quite small and is waived the 1st year. Overall, UOB Delight Card is the best option on the market to maximise rebates on groceries, with additional cashback for bills.

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  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell

Summary of Best UOB Credit Cards 2019

Below, we've prepared a summary of our picks for the best UOB credit cards 2019.

CardBest for...Annual Fee
UOB OneBest Flat RebateS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
UOB YOLOWeekend Social SpendS$192.6
UOB DelightBest Grocery RebateS$85.6
CardBest for...Annual Fee
UOB OneBest Flat RebateS$192.6
UOB PRVI MilesRapid MilesS$256.8 (waiver)
UOB YOLOWeekend Social SpendS$192.6
UOB DelightBest Grocery RebateS$85.6

Similar Cards from Other Banks to Consider

To help you find your ideal rewards card, we have compared and contrasted each of the UOB cards with similar cards from other banks. Most of these cards offer fantastic rewards in that cater to people with different needs. Also, you should note that below dollar values are not the only important factor in choosing a credit card because each card caters to a unique set of demand. For instance, these dollar values can vary significantly depending on your spending habits. Make sure to read through each card's review and see if it fits your monthly budget and spending habits. There are also other "intangible" benefits like complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best UOB credit cards compare to other cards in Singapore in terms of their rewards
A Graph Comparing 2-Year Dollar Value of UOB Cards to Cards from Other Banks

UOB One Card vs HSBC Advance 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 Card vs American Express True Cashback Card

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 Card vs Standard Chartered Visa Infinite Card

Standard Chartered Visa Infinite Card is an extraordinary travel card for high overseas spenders–in fact, it offers the highest rates on the market: 3 miles per S$1 spend overseas, 1.4 miles per S$1 locally. Cardholders also earn on tax payments, which are excluded from most cards’ rewards programmes. Finally, SC Visa Infinite Card comes with a wide variety of luxury perks, including 6 free lounge visits/year, a free yacht hire, Hertz Asia rental privileges, discounted green fees & more.

UOB PRVI Miles Card also offers incredibly high rates, though they are still lower than SC Visa Infinite Card’s. It also has far fewer travel perks. However, UOB PRVI Miles Card’s fee of S$256.8 is far lower than SC Visa Infinite Card’s S$588.5 fee; in addition, the former offers a fee-waiver, while the latter does not.

UOB YOLO Card vs OCBC Frank Card

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 a bit more limited than those offered by UOB YOLO Card, OCBC Frank Card has a minimum spend of just S$400 offline (compared to S$600 with UOB YOLO 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 YOLO Card does not have a fee-waiver, and its fee is much higher, at S$192.6. Overall, moderate spenders who can easily reach the higher minimum can earn more with UOB YOLO Card. Lower spenders or those who want to avoid an annual fee may prefer OCBC Frank Card.

UOB YOLO Card vs HSBC Revolution Card

Like UOB YOLO 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 YOLO Card is a better fit.

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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