UOBGold

UOB One Card

•••• •••• •••• 4242

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Quick facts

UOB One Card

Top reward10%

Annual fee$192

Min income$2,500/mo

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🛒Shopping Partners

UOB · Gold tier

UOB One Card

Flat cashback on daily spends

Strong for groceries, online shopping, and recurring bills in Singapore.

Key Benefits

💳

Up to 10% cashback

🎁

Grab/Shopee bonuses

⛽

Fee waiver on spend

Annual fee

$192

Top rate

10%

Min income

$2,500/mo

Eff. return

2.11%

Realistic net value (moderate user): $608/year

After $192 fee & $39 forex. Based on $2,400/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute S$ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative S$/point rates

What You Actually Earn (in S$)

Absolute SGD estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

$839

Before fees & forex

Costs / year

$231

Fee $192 + forex $39

Net value / year

$608

2.11% effective return on spend

Category-wise breakdown

Online shopping

Spend $500/mo · 10% cashback

$120/year

$10/mo

$100 × 10% = $10/moCap hit at $100/mo — extra spend earns less

Groceries

Spend $500/mo · 5% cashback

$60/year

$5/mo

$100 × 5% = $5/moCap hit at $100/mo — extra spend earns less

All other eligible spends

Spend $1,400/mo · 3.33% cashback

$559.44/year

$46.62/mo

$1,400 × 3.33% = $46.62/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: Issuer public T&Cs

online shopping

10%

Cap: $100/mo

Example: $100/mo spend → ≈ $10/mo (max at cap)

groceries

Cap: $100/mo

Example: $100/mo spend → ≈ $5/mo (max at cap)

Excluded categories (no rewards)

InsuranceGovernment paymentsBalance transfers

Best for

→ Flat cashback on daily spends

Fees & Charges — Full Disclosure

All amounts in SGD. Everything that can reduce your net value.

Joining fee

Charged in first year

$192

Annual / renewal fee

Charged every year unless waived

$192

Forex markup

3.25% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

Typically S$50–S$100 depending on balance — always pay on time

Reward redemption fee

Usually S$0 for cashback cards; points cards may have S$2+ redemption fee

Example: moderate user net math

Gross rewards+ $739

Signup bonus (year 1)+ $100

Annual fee− $192

Forex cost− $39

Net annual value$608

Eligibility Snapshot

Public criteria from Issuer public T&Cs. Bank makes final decision.

Minimum age21–65 years

Min income (salaried)$2,500/mo

Min income (self-employed)$30,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CBS checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with UOB One Card?+

At moderate spend ($2,400/mo), gross rewards are about $739/year. After the $192 annual fee, net value is approximately $608/year. Use the calculator above to model your own spends.

What is the minimum income for UOB One Card?+

$2,500/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

Insurance, Government payments, Balance transfers.

Does CardHungry pull my CBS score?+

No. We use public eligibility criteria only. The bank will check CBS when you apply.