23 Credit Cards with No Annual Fees (Updated for 2023)

Meiling Tan
Updated:

Most credit cards come with annual fees in exchange for the benefits they offer.

But if you’re on a tight budget or would rather not have to waste time calling in for a waiver, there are more and more no-fee credit cards on the market.

Some offer no annual fees with no strings attached, making them great fuss-free options. Others require a certain minimum spend or membership for an automatic fee waiver.

Today, we’ve scoured the market for all the credit cards with no annual fees and compiled them in the list below:

23 Credit Cards with No Annual Fees

CardConditions for Fee WaiverGood For
CIMB Visa SignatureNoneCashback on groceries, online shopping, beauty spend
CIMB World MastercardNoneUnlimited cashback on luxury goods
CIMB Visa InfiniteNoneUnlimited cashback on travel and foreign spend
CIMB AWSM CardNoneCashback for students with little to no income
Standard Chartered Smart CardNoneRebates at a select few merchants with no min. spend
HSBC Revolution CardNoneRewards on online shopping and contactless payments
Best Denki OCBC Credit CardSpend S$5,000 in a statement yearFree delivery and cheaper warranties from Best Denki
DBS Woman’s / Woman’s World CardSpend S$15,000 / S$25,000 in a statement yearAvid online shoppers
Maybank Platinum Visa CardCharge to your card once every 3 monthsUp to 3.33% cashback for low budgets (S$300/mo)
Maybank Manchester United Platinum VisaSpend S$3,600 in a statement yearManU fans – especially those who watch their games live
Maybank FC Barcelona Credit CardSpend S$10,000 in a statement yearFC Barcelona fans or those who want 1.6% unlimited cashback
OCBC 365 Credit CardSpend S$10,000 in a statement year3 – 6% cashback on everyday expenses like utilities, dining, and groceries
OCBC Arts Credit CardSpend S$10,000 in a statement yearRegular patrons of SISTIC events
OCBC Frank Credit CardSpend S$10,000 in a statement yearCashback for eco-conscious online shoppers
OCBC Great Eastern Cashflo Credit CardSpend S$5,000 in a statement yearRebates for paying your GE insurance premium instalments
OCBC NXT CardSpend S$10,000 in a statement yearInterest-free instalment plans for big purchases
OCBC Platinum Credit CardSpend S$10,000 in a statement yearOCBC travel, health, and dining deals
OCBC Titanium Rewards CardSpend S$10,000 in a statement yearRewards at retailers like Zara, H&M, Zalora, Apple, TANGS
Privilege Horizon Visa Signature CardMaybank Privilege clients (S$50,000 or more in deposits)High miles earning rate for local spending
SAFRA DBS CardSAFRA membership3% cashback for low budgets (minimum S$500)
Singtel UOB CardCharge your Singtel bills to the card on a recurring basisHeavy Singtel users (S$500/mo and above)
UOB EVOL CardMake 3 purchases a month for 12 consecutive monthsUp to 8% cashback on online and contactless payments

Not all of these are great choices, however. Some lay forgotten, with no particularly appealing benefits.

We’ll get into each of these cards and what they’re good (or bad) for next.

1. CIMB Visa Signature

PROMO: Receive a S$250 Cash via PayNow / AirPods Gen 3 + MagSafe (worth S$331)

CIMB Visa Signature Card

The CIMB Visa Signature Card may have niche spending categories like pet care and cruises, but it’s hard to ignore the 10% cashback rate. The minimum spend requirement is easy enough for families who cook for themselves or shop online.
Read full review
PROMO: Receive a S$250 Cash via PayNow / AirPods Gen 3 + MagSafe (worth S$331)

At 10% cashback for groceries and online shopping, the CIMB Visa Signature is an enticing offer. You’ll find few other cards offering such a high rebate for those everyday expenses.

The catch? You’ll have to spend at least S$800 monthly to qualify for the 10% rebate, and the other categories include niche expenses like Pet Shops & Veterinary Services.

Unless you habitually spend on pampering yourself and your pet, it may be hard to meet the minimum spend while still remaining within the cashback caps. Still, the lack of an annual fee means it might be worth having the card around for those special occasions.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income

Key Benefits:

  • 10% cashback on local and overseas:
    • Online shopping
    • Groceries
    • Beauty & Wellness
    • Pet Shops & Veterinary Services
    • Cruises

Conditions for Annual Fee Waiver: None! Waived for life.

Current promotion: Receive a S$250 Cash via PayNow / AirPods Gen 3 + MagSafe (worth S$331) when you spend a minimum of S$988 within 60 days of card approval. (Valid until 31 January 2023) Click to apply.

2. CIMB World Mastercard

PROMO: Receive a Xiaomi Mi Robot Vacuum-Mop 2 EU / S$250 Cash via PayNow

CIMB World Mastercard

Summary: The CIMB World Mastercard claims it has the highest unlimited cashback in SG, but don’t miss the fine print. This card will only benefit those who spend significant amounts on wine & dining, digital entertainment, ride-hailing, and luxury goods.

PROMO: Receive a Xiaomi Mi Robot Vacuum-Mop 2 EU / S$250 Cash via PayNow

As with any unlimited cashback card, the CIMB World Mastercard is best used after you’ve hit the cashback caps on your other cards. That way, you’ll maximise the 6 – 10% cashback you get on regular cashback cards, then get an extra bit of cashback on the occasional splurge.

Splurging, in this case, means luxury goods (bags, watches, etc.) and leisure spending (golf, wine & dine). The next highest rebate is 1.7% from the UOB Absolute Cashback Card, so 2% is a great rate if branded goods are your thing.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income

Key Benefits:

  • With minimum S$1,000 spend in a month, unlimited 2% cashback on:
    • Wine & Dine and Online Food Delivery
    • Movies & Digital Entertainment
    • Taxis and Automobiles
    • Luxury Goods

Conditions for Annual Fee Waiver: None! Waived for life.

Current promotion: Receive a Xiaomi Mi Robot Vacuum-Mop 2 EU / S$250 Cash via PayNow. (Valid until 8 January 2023) Click to apply.

3. CIMB Visa Infinite

PROMO: Receive S$250 Cash via PayNow / AirPods Gen 3 + MagSafe (worth S$331)

CIMB Visa Infinite Card

The CIMB Visa Infinite does have its merits as a no-fee credit card, but it needs a few more travel or luxury perks to entice its target demographic.
Read full review
PROMO: Receive S$250 Cash via PayNow / AirPods Gen 3 + MagSafe (worth S$331)

Like the CIMB World Mastercard, this unlimited cashback card is best used in combination with regular cashback cards. But the minimum spend requirement is higher with the Visa Infinite – you’ll need at least S$2,000 in a month.

That said, the CIMB Visa Infinite feels subpar for a travel-oriented card. You’ll only get 3 complimentary lounge access passes – not even VIP lounge access – and between 5% to 25% discount on airport dining and limo transfers.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$120,000 annual income

Key Benefits:

  • With minimum S$2,000 spend in a month, unlimited 2% cashback on:
    • Travel
    • Overseas spending
    • Online spending in foreign currencies

Conditions for Annual Fee Waiver: None! Waived for life.

Current promotion: Receive S$250 Cash via PayNow / AirPods Gen 3 + MagSafe (worth S$331) with a minimum spend of S$988 within the first 60 days of card approval. (Valid until 31 January 2023) Click to apply.

4. CIMB AWSM Card

CIMB AWSM Card

With no annual fees and unlimited 1% cashback on everyday spending (and telcos!), the CIMB AWSM Credit Card is a great starter option for any NSF or student aged 18 and above. The rebate isn’t the highest in the market, but it’s excellent for a fuss-free card with no minimum spend.
No fee
annual fee
No minimum
monthly spend required
Unlimited
1% cashback for dining, entertainment, online shopping, and telco payments
Read full review

With no minimum income or spending requirement, the CIMB AWSM is a starter option suitable for tertiary students and above. (Read also: 8 Best Student Credit Cards to Earn Rewards in Singapore)

But given its low credit limit and lack of benefits, we’d recommend swapping to a better card once you’re eligible.

Eligibility Requirements:

  • Students and NSFs between 18 and 29 years old
  • Salaried Singaporean or PR below 35 years old: at least S$18,000 annual income
  • Salaried Singaporean or PR above 35: at least S$30,000 annual income

Key Benefits:

  • Unlimited 1% cashback on:
    • Dining & Entertainment
    • Online shopping
    • All things telco

Conditions for Annual Fee Waiver: None! Waived for life.

5. Standard Chartered Smart Card

PROMO: Receive Airpods Pro Gen 2 / Dyson AM07 / S$300 Cash via PayNow

Standard Chartered Smart Card

This Standard Chartered offering gives you 6% cashback on a short list of qualifying merchants, but read the fine print and you’ll find it’s only for a month. With its great sign-up promotions and lack of annual fees though, it’s not a bad card to have – even if just for a year.

PROMO: Receive Airpods Pro Gen 2 / Dyson AM07 / S$300 Cash via PayNow

6% cashback with no annual fees or minimum spend: now that’s an offer to turn heads.

That’s provided you actually transact with the merchants listed though.

If you take public transport, regularly eat breakfast at Ya Kun, get MacDonald’s once a week, or perhaps have a Netflix subscription, then you’ll benefit from this card.

You’ll get the cashback in reward points, so remember to redeem them every so often.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$60,000 annual income

Key Benefits:

  • 6% cashback on:
    • Burger King, KFC, MacDonald’s, Subway
    • Fun Toast, Toast Box, Ya Kun Kaya Toast
    • Disney+, Netflix, Spotify, YouTube
    • Bus and MRT
  • Interest-free instalment plans with no processing fees

Conditions for Annual Fee Waiver: None! Waived for life.

Current promotion: Receive Airpods Pro Gen 2 / Dyson AM07 / S$300 Cash via PayNow with a minimum spend of S$500 within 30 days of card approval. (Valid until 15 January 2023) Click to apply.

6. HSBC Revolution Card

PROMO: Receive a Sony Linkbuds WF-L900 + S$100 cash (worth S$369) or Ergotune Classic (worth S$399) or S$300 Cash via PayNow and a chance to win on Fortune Lucky Draw Promo with HSBC Revolution Credit Card

HSBC Revolution Credit Card

The HSBC Revolution Credit Card is an excellent option for digitally-savvy working adults who mostly shop locally. While the 10,000 point cap may feel restrictive to high spenders, it’s a fuss-free card that allows you to earn great rewards from the get-go.
No Minimum
Monthly spend required
3%
Cashback up to S$5,000 spend for first 6 months
1.5%
Cashback on dining
Read full review
PROMO: Receive a Sony Linkbuds WF-L900 + S$100 cash (worth S$369) or Ergotune Classic (worth S$399) or S$300 Cash via PayNow and a chance to win on Fortune Lucky Draw Promo with HSBC Revolution Credit Card

With no minimum spend and 10X Reward Points on all online and contactless payments, this is a fuss-free yet versatile card.

Just note the bonus reward rate only applies to the first S$1,000 in spending, so we don’t recommend putting larger purchases on this card.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$40,000 annual income

Key Benefits:

  • 10X Reward Points on online and contactless payments
  • 1% extra cashback with HSBC Everyday Global Account

Conditions for Annual Fee Waiver: None! Waived for life.

Current promotion: Receive a Sony Linkbuds WF-L900 + S$100 cash (worth S$369) or Ergotune Classic (worth S$399) or S$300 Cash via PayNow and a chance to win on Fortune Lucky Draw Promo with HSBC Revolution Credit Card with S$800 minimum spend by the end of the following calendar month from the card approval. (Valid until 31 January 2023) Click to apply.

7. Best Denki OCBC Card

Unsurprisingly, this card provides the most benefits when you shop at BEST Denki. Elsewhere, you’ll get just 1 OCBC$ per dollar.

And even if you don’t spend the S$5,000 a year to qualify for the fee waiver, the free delivery and disposal costs may just make the card worthwhile regardless.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • 0% interest instalment plans
  • 3% cash rebate at BEST Denki, including items purchased with 0% interest instalment plans
  • Extra 2%/2.5% rebate if you spend above S$10,000/S$20,000 yearly at BEST Denki
  • Members’ rate for purchase of Safety 5 Premium Warranties
  • Free delivery for bulky items with minimum spend of S$200
  • Free disposal for old items

Conditions for Annual Fee Waiver: Spend S$5,000 in a year.

8 & 9. DBS Woman’s / Woman’s World Card

PROMO: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval

DBS Woman’s & Woman’s World Card

If most of your monthly spending is on online purchases, then the DBS Woman’s World Card is a great fit for you. Its entry-level counterpart isn’t nearly as attractive though.
Read full review
PROMO: Get S$150 cashback if you’re a new-to-DBS cardmember who charges at least S$800 to the card within 60 days of card approval

Featured in our list of best credit cards for online shopping, the DBS Woman’s World Card gives you 10X DBS Points (equivalent to 4 MPD) for the first S$2,000 in online spending monthly. That’s potentially 96,000 miles in a year: more than enough for a round-trip ticket from Singapore to Los Angeles.

The downside? You’ll have to charge at least S$25,000 to the card in a year to get a fee waiver – which means at least S$1,000 of your spending will exceed the bonus rewards earning rate.

Eligibility Requirements:

  • DBS Woman’s Card: Singaporean or Singapore PR above 21 years old with at least S$30,000 annual income; foreigner with at least S$45,000 annual income
  • DBS Woman’s World Card: Singaporean or foreigners above 21 years old with at least S$80,000 annual income

Key Benefits:

  • 5X DBS Points (10X with Woman’s World Card) on online purchases
  • Complimentary e-Commerce protection on online buys
  • 0% interest payment plans over 3 months
  • 5% cashback on overseas shopping and dining

Conditions for Annual Fee Waiver: Spend S$15,000 in a year for the Woman’s Card and S$25,000 for the Woman’s World Card.

10. Maybank Platinum Visa Card

Maybank Platinum Visa Card

The Maybank Platinum Visa Card is a great starter option for lower spenders with a S$300-500 monthly budget. While its rebate isn’t the highest in the market, the fuss-free nature of this card more than makes up for it.
Read full review

With just a S$300 monthly budget, you can typically expect 1% cashback at most. This card bucks the trend by offering up to 3.33% cashback for that same amount.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Malaysian above 21 with at least S$45,000 annual income, in employment for at least a year
  • Foreigner above 21 with at least S$60,000 annual income, in employment for at least a year

Key Benefits:

  • With minimum spend of S$300, 3.33% cashback on all local and foreign currency spend

Conditions for Annual Fee Waiver: Charge to the card once every three months.

11. Maybank Manchester United Platinum Visa

Discounts on tickets and merchandise, extra cashback when the team wins, and a chance to catch Manchester United live – this is a card that caters to diehard ManU fans indeed.

But since most of the benefits are contingent on ManU’s victory, it might be hard to justify getting the card unless you buy a lot of their merchandise.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Malaysian above 21 with at least S$45,000 annual income, in employment for at least a year
  • Foreigner above 21 with at least S$60,000 annual income, in employment for at least a year

Key Benefits:

  • 1% unlimited cashback with no minimum spend
  • 3% rebate and 5X TREATS points every time ManU wins a Premier League match
  • Chance to win a trip for two to watch ManU live
  • 10% discount at the United Direct Online Megastore
  • 10% discount on food and drinks at the Red Cafe at Old Trafford
  • 20% discount on ManU Stadium and Museum Tour tickets

Conditions for Annual Fee Waiver: Spend $3,600 in a year.

12. Maybank FC Barcelona Credit Card

Football-centric credit cards are a double-edged sword. Some, like the Manchester United Platinum Visa, require your favourite team to win a match before you can maximise its benefits. 

Luckily, the Maybank FC Barcelona Card has decent benefits even if Spain doesn’t win.

At 1.6% unlimited cashback, this card sits in the middle of the range (Read also: 7 Best Unlimited Cashback Cards for Singapore). But what makes it attractive is the automatic annual fee waiver and that you aren’t limited to just a few spending categories.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Malaysian above 21 with at least S$45,000 annual income, in employment for at least a year
  • Foreigner above 21 with at least S$60,000 annual income, in employment for at least a year

Key Benefits:

  • 1.6% unlimited cashback on all Singapore purchases with no minimum spend
  • 2X TREATS points per dollar spent on foreign currency transactions
  • Chance to win a trip for 2 to catch FC Barcelona live every season
  • 5% discount at FCBotiga official store in Camp Nou

Conditions for Annual Fee Waiver: Spend $10,000 in a year.

13. OCBC 365 Credit Card

This isn’t a flashy card by any means. But with practical cashback categories like groceries, land transport, petrol, and utilities, this is a card that will serve a typical household well.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • With minimum S$800 spend in a month:
    • 6% cashback on online food delivery and local/overseas dining
    • 3% cashback on groceries, local and overseas
    • 3% cashback on local/overseas private hire and taxi rides
    • 5% cashback on petrol
    • 3% cashback on recurring telco and electricity bills
    • 3% cashback on online air/cruise ticket, hotel, and tour bookings

Conditions for Annual Fee Waiver: Spend $10,000 in a year.

14. OCBC Arts Credit Card

This card used to have far more benefits, such as a 20% discount on tickets. With its current benefits though, you might be better off with a more general cashback or rewards credit card even if you do spend a fair chunk on SISTIC productions.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • 15 OCBC$ per S$5 spent on SISTIC purchases
  • Priority bookings to shows by Singapore Dance Theatre, Singapore Lyrics Opera, and T.H.E. Dance Company

Conditions for Annual Fee Waiver: Spend $10,000 in a year.

15. OCBC Frank Credit Card

PROMO: Get up to S$88 cashback

OCBC Frank Credit Card

Consumers who frequently shop online or pay via mobile will benefit the most from the boosted cashback rates. It’s also easy to hit the minimum annual spending for the annual fee waiver, making this a low-cost card with decent cashback.
Read full review
PROMO: Get up to S$88 cashback

With its recent revamp, the OCBC Frank Credit Card is now on par with the DBS Live Fresh Card. You’ll get a cool 10% cashback if you transact with partnered eco-merchants such as SimplyGo, BlueSG, Little Farms, and Scoop Wholefoods.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • With minimum S$800 spend in a month:
    • 8% cashback for contactless payments + extra 2% if you transact with selected green merchants
    • 8% cashback on online payments + extra 2% if you transact with selected green merchants

Conditions for Annual Fee Waiver: Spend $10,000 in a year.

16. OCBC Great Eastern Cashflo Credit Card

Buying insurance for the whole family can be a costly affair. This card helps break up the payments into manageable monthly bills.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • Automatically splits your bills – including insurance premiums – into 3, or 6, or 12-month instalment plans with 0% interest
  • 1.2% cashback with minimum monthly billed amount of S$1,000, not including GE Life and GE General Insurance Premiums

Conditions for Annual Fee Waiver: Spend $5,000 in a year.

17. OCBC NXT Card

Like the Great Eastern Cashflo Card, the NXT Card automatically breaks your purchases up into interest-free monthly instalments.

But given that the maximum cash rebate you’ll get with NXT is 1% – compared to the Great Eastern Cashflo’s 1.2% – we can’t see the appeal here. You’ll also need to spend a lot more on this card to qualify for the automatic fee waiver.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • Automatically splits your bills into 3 or 6-month instalment plans with 0% interest
  • 1% cashback with minimum monthly billed amount of S$1,000

Conditions for Annual Fee Waiver: Spend $10,000 in a year.

18. OCBC Platinum Credit Card

Subpar rewards and a high minimum annual spend: give this card a miss.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • 5 OCBC$ for every S$5 spent
  • Discounts and deals for travel, dining, health, wellness, and recreational activities

Conditions for Annual Fee Waiver: Spend $10,000 in a year.

19. OCBC Titanium Rewards Card

Featured as one of our top rewards credit cards in Singapore, the Titanium Rewards Card is a solid choice for retail therapy.

You’ll get 10X points when you spend on apparel, bags, shoes, accessories, and electronics. Purchases on platforms like Shopee, Lazada, and Amazon also count, making it easy to fit your spending onto one card (up to S$1,000 spending per month).

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$45,000 annual income

Key Benefits:

  • 10X Rewards (or 4 MPD) on eligible online and retail spend at Apple, Shopee, H&M, and more
  • Extra 2% cashback at BEST Denki

Conditions for Annual Fee Waiver: Spend $10,000 in a year.

20. Privilege Horizon Visa Signature Card

This is essentially the upgraded version of Maybank’s Horizon Visa Signature Card. Available only to Maybank Privilege clients, this card grants you a cool 3.2 MPD on local spending.

Eligibility Requirements:

  • By invite only for Maybank Privilege clients

Key Benefits:

  • 3.2 MPD (8X TREATS points) for every dollar spent on dining, petrol, taxi fares, and hotel bookings on Agoda
  • 2 MPD (5X TREATS points) for every dollar spent on air tickets, cruises, travel packages, and foreign currency transactions
  • Two complimentary Grab airport taxi transfers
  • Unlimited complimentary access to selected VIP airport lounges

Conditions for Annual Fee Waiver: Remain a Maybank Privilege client with deposits or investments of S$50,000 or more.

21. SAFRA DBS Card

Like the Maybank Platinum Visa Card, the SAFRA DBS Card offers decent cashback for low budgets. It’s also free if you’re a Singaporean male who’s served NS.

Eligibility Requirements:

  • Existing SAFRA member
  • Singaporean or PR above 21 years old with at least S$30,000 annual income

Key Benefits:

  • With a minimum spend of S$500 in a month, up to 3% cash rebate on contactless and online transactions (including SimplyGo)

Conditions for Annual Fee Waiver: Remain a Maybank Privilege client with deposits or investments of S$50,000 or more.

22. Singtel UOB Card

If you and your whole family use Singtel, this is a card to consider.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$40,000 annual income

Key Benefits:

  • Up to S$360 cashback per year on up to 8 Singtel accounts when you charge recurring Singtel bills to the card
  • Get a free Singtel handset voucher worth up to S$300 when you spend S$24,000 locally in a year
  • Free registration of mobile and broadband add-ons
  • Free SIM card
  • Free 12 months of MobileShare
  • Admin fee waiver when you recontract your mobile plan

Conditions for Annual Fee Waiver: Charge your Singtel bill(s) to the card.

23. UOB EVOL Card

PROMO: First 100 new-to-UOB cardmembers can get S$300 cash via PayNow

UOB Evol Credit Card

This is a great card for working professionals whose spending is primarily centered on online and contactless spending. The 8% cashback rate is one of the highest in the market and the eligible categories are straightforward and easy to track.
8%
cashback on online spending + mobile contactless payments (capped at S$60/statement month)
Complimentary Insurance
complimentary travel insurance when you charge your fare to your UOB card AND fill out the form before your trip
Bonus Interest
earn bonus interest on your savings when you open a UOB One account with the UOB EVOL
Read full review
PROMO: First 100 new-to-UOB cardmembers can get S$300 cash via PayNow

Like the HSBC Revolution and OCBC Frank Credit Card, this rewards you for contactless payments and online spending.

Eligibility Requirements:

  • Singaporean or PR above 21 years old with at least S$30,000 annual income
  • Foreigner above 21 with at least S$40,000 annual income

Key Benefits:

  • With minimum S$600 spend in a month:
    • 8% cashback on contactless payments
    • 8% cashback on online spending
    • 0.3% cashback on all other spend

Conditions for Annual Fee Waiver: Charge 3 purchases to the card every month for 12 consecutive months before your next annual fee date.

Current promotion: First 100 new-to-UOB cardmembers can get S$300 cash via PayNow when you spend a minimum of S$1,000 for 2 consecutive 30 day periods from the card approval date (valid until 31 January 2023) Click to apply.