UOB One Card changing how you earn cashback with updated tiers and bonus categories

UOB One card has announced changes to how cardholders earn cashback on the card.

Why is the UOB One card popular?

Firstly, I should be clear that “popular” doesn’t necessarily mean “best”. If your spending pattern fits the Maybank Family & Friends and DBS yuu cards, they should be prioritized to earn 8 to 18% cashback.

Related: Best cashback cards in Singapore

There are 3 main reasons why the UOB One card is probably the most popular cashback card in Singapore:

1. Earn up to 3.33% cashback on almost everything (not as liberal as Maybank Platinum Visa though)
2. Earn higher interest on UOB One account with min. S$500 monthly spending (although there are other UOB cards that qualify too)
3. Higher cashback of up to 8.33 to 10% at selected merchants like Giant, Cold Storage, Grab and Shopee (changing soon)
4. Up to 4.33% cashback on SP Group utilities spending

Updated spending tiers

Moving forward, UOB One card has made a pretty minor adjustment to its spending tiers. This will kick in from the next qualifying quarter for existing UOB One cardholders. For new UOB One cardholders who applied from 1 Jul 2025 onwards, this will be in effect immediately.

The key changes to the spending tiers are:

• Tier 1 now requires a minimum spending of S$600 per statement month (up from S$500)
• Tier 1 now awards S$60 cashback per quarter (up from S$50, same earn rate)
• Cardholders need to perform at least 10 transactions per statement month (up from 5)

UOB shared the following illustration of this change:

This change would make the UOB One card not useful for low-spending cardholders. Consider the Maybank Platinum Visa card to get up to 3.33% cashback on just S$300 worth of monthly spending.

Changes to bonus cashback

This is probably the more impactful change.

No more 10% cashback on Groceries

Cardholders can no longer earn up to 8.33 to 10% cashback on transactions made at DFI Retail Group (i.e. Giant, Cold Storage, Guardian, 7-Eleven etc.).

Instead, there is now a new bonus category: Grocery. Cardholders can earn up to 8% cashback on all Grocery spending with Merchant Category Code (MCC) 5411 (Grocery Stores, Supermarkets).

Bonus cashback will now be capped at S$120 per month, up from S$100.

Related: How to check Merchant Category Code (MCC) before paying

Bonus cashback on Groceries:

• Tier 1: No bonus cashback
• Tier 2: Up to 6% cashback (+2.67% bonus)
• Tier 3: Up to 8% cashback (+4.67% bonus)

UOB shared the following illustration of this change:

No more 10% cashback at UOB Travel

On top of that, UOB One cardholders will no longer earn bonus cashback on UOB Travel spending. This is honestly not a big loss, as UOB Travel tend to inflate flights and hotel prices, which negates any savings or rewards you may earn.

💡 Click on + Card Summary below to view key details like pros & cons, miles/cashback details, annual fee, income requirement, and more.

UOB One

Up to 3.33% cashback on almost everything

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🎁 Sign-up bonus

+ Card Summary

More information on the

UOB One Visa Card

Suitesmile rating:

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✍️ Short summary
Most specialized cashback cards (offering over 1.7% cashback) require cardholders to meet multiple conditions. The conditions to receive up to 3.33% cashback on the UOB One card, in my opinion, are a little less complicated.

Cardholders can earn up to 3.33% cashback on a wide range of spending categories like online shopping, in-person shopping, dining, groceries, ride-hailing, food delivery, utilities and even phone/internet bills.

Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of $60, $100 or $200 at the end of each quarter.

How to receive up to 3.33% cashback:

• MANDATORY: Make at least 10 transactions per statement month
• Get $60 cashback when you spend at least $600 per month, for 3 consecutive statement months in a qualifying quarter
• Get $100 cashback when you spend at least $1,000 per month, for 3 consecutive statement months in a qualifying quarter
• Get $200 cashback when you spend at least $2,000 per month, for 3 consecutive statement months in a qualifying quarter

In other words, you will only receive exactly 3.33% cashback when you spend exactly $600, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. For example, a cardholder who spends $1,800/month in that same period, would fall under the $1,000 band and be rewarded with just $100 cashback (equivalent to 1.85%).

Cardholders who meet the conditions for up to 3.33% cashback described above can earn up to 4.67% additional cashback for Grocery spendings and up to 6.67% additional cashback at selected merchants like Grab, SimplyGo and Shopee.

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💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓ When cashback is credited
Receive your cashback in the card by the following statement date after the completion of your qualifying quarter.

📜 Terms & conditions

Frequently Asked Questions

UOB has shared the following set of frequently asked questions (FAQs) for this change on the UOB One card:

Terms and conditions

Here are the revised terms and conditions of the UOB One card: