UOB is running a promotion for overseas foreign currency spending on the Singtel-UOB Card in the coming months.
This promo is pretty much identical to what’s offered by the UOB EVOL Card, aside from the start date.
0.5-1% cashback on overseas spending
From 29 Apr to 31 Dec 2026, Singtel-UOB cardholders can receive uncapped 0.5% or 1% cashback on overseas foreign currency spending, with no minimum spending.
No registration is required to enjoy this promo; all Singtel-UOB cardholders automatically qualify.
0.5% cashback on China and Europe spending
Cardholders can receive uncapped 0.5% cashback on China and Europe spending, down from 1% in the original promo.
UOB defines Europe as the following countries: Austria; Belgium; Bulgaria; Croatia; Cyprus; Czech Republic; Denmark; Estonia; Finland (including Aland Islands); France; Germany; Gibraltar; Greece; Hungary; Iceland; Republic of Ireland; Italy; Latvia; Liechtenstein; Lithuania; Luxembourg; Malta; Mayotte; Netherlands; Norway; Poland; Portugal (including Azores, Madeira); Reunion; Romania; Slovakia; Slovenia; Spain (including Canary Islands, Ceuta, Melilla); Sweden.
However, UOB doesn’t provide an explicit definition of “FX Spend processed in China”, so it’s probably safest to assume that it covers the following currencies in Mainland China, Hong Kong, Macao and Taiwan:
- Chinese Yuan (CNY)
- Hong Kong Dollar (HKD)
- Taiwanese Dollar (TWD)
- Macanese Pataca (MOP)
1% cashback on other overseas spending
Singtel-UOB cardholders can receive uncapped 1% cashback on payments processed in countries/regions other than China and Europe.
What counts as “overseas spending”?
Don’t be misled by the term “overseas spending”; it doesn’t mean that you need to be physically abroad to qualify. Online spending in a foreign currency also counts, as long as the merchant processes the payment outside of Singapore.
Here’s UOB’s definition, as stated in the terms and conditions:
“Overseas Foreign Currency Spend” or “FX Spend” means Transactions which are processed outside of Singapore and successfully charged to your Card and posted on UOB’s system, in a foreign currency. Transactions which are processed outside of Singapore, but which are charged to your Card in Singapore dollars at the time of the Transaction will not constitute an Overseas Foreign Currency Spend.
Is this a good promo?
This promo makes the Singtel-UOB Card a competitive credit card for foreign currency spending until 31 Dec 2026, as cardholders can receive a net gain of 0.5-1%, uncapped and without mind-bending conditions.
However, I’d still pick the Mari Credit Card to receive 1.5% cashback (also with no FX fees) on my first S$1,500 worth of foreign currency spending every month; after maxing out my 4 mpd credit cards, of course.
Related: My Miles & Credit Card Strategy for 2026
Here’s how this promo compares against the best cashback alternatives for foreign currency spending:
| Card | FX Fee | FX Cashback | Min. Spend (monthly) | Max. Spend (monthly) |
|---|---|---|---|---|
 Singtel-UOB Card | 0% | 0.5% (China, Europe) 1% (other countries) ⚠️ Promo ends: 31 Dec 2026 | Nil | Uncapped |
 UOB EVOL Card | 0% | 0.5% (China, Europe) 1% (other countries) ⚠️ Promo ends: 31 Dec 2026 | Nil | Uncapped |
 Mari Credit Card | 0% | 1.5% ⚠️ Promo ends: 31 Dec 2026 | Nil | S$1,500 |
 Trust Cashback Card | 0% | 0.5% | Nil | Uncapped |
0% foreign currency fee
The Singtel-UOB Card is 1 of only 6 Singapore credit cards with no foreign transaction fees, as an evergreen card benefit without conditions, caps or minimum spending requirements.
While the Singtel-UOB Card doesn’t come with other attractive benefits (unless if you spend S$200-S$250 on Singtel every month), this is a much-welcomed step in the right direction, as the majority of credit cards in Singapore charge foreign transaction junk fees upwards of 3%.
Get up to 7.59% cashback on two bonus categories:1) Singtel & GOMO spending
2) Local Online & Mobile Contactless (e.g. Google Pay, Apple Pay)
More information
Key details of the Singtel-UOB Card
Ease of use :
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000
• Foreigner: S$40,000Annual fee: S$196.20 (first year waived; subsequent years waived with 12-month recurring Singtel/GOMO bills, request waiver if needed)
Get uncapped 0.5 – 1% cashback on foreign transactions, with no minimum spending (till 31 Dec 2026)
No foreign transaction fee
⚠️ Minimum card spend of S$800 per statement month required for bonus cashback
⚠️ “12% cashback” claim is impossible to achieve
⚠️ Get a maximum of 7.59% cashback on two bonus categories (but only if you meet the spending amounts exactly and spend exactly S$250 on other things):1) Singtel/GOMO spending (up to S$250)
2) Local Online & Mobile Contactless (up to S$300)⚠️ 0.3% cashback on non-bonus spending
Terms and conditions
Here are the terms and conditions of this Singtel-UOB Card promotion:
