Which UOB credit cards are there, and what do they pay? As at November 2026, UOB’s main consumer range has three cashback cards (One, Absolute Cashback, EVOL), two miles cards (PRVI Miles, KrisFlyer UOB) and four UNI$ points cards (Lady’s, Lady’s Solitaire, Preferred Visa, Visa Signature).
The cashback cards differ mostly in how much effort they ask of you. The points cards all pay UNI$10 per S$5, equal to 4 miles per $1, but each on a different slice of spending and each under a monthly cap.
How We Compared the UOB Credit Cards
Every figure comes from UOB’s own card pages, its annual fee table or the card’s terms PDF. We list the stable terms: earn rate, cap, minimum spend, annual fee and minimum income.
We do not quote welcome gifts or dated offers. UOB’s pages carry several with end dates, and they change. We are not paid by UOB or any issuer, and the cards are grouped by type, not ranked.
UOB Cards at a Glance
Minimum income is for Singaporeans and PRs aged 55 and below. UOB lists $15,000 for those aged 56 and above and $40,000 for foreigners, unless stated.
| Card | Type | Headline earn rate | Cap | Minimum spend | Annual fee and waiver | Minimum income |
|---|---|---|---|---|---|---|
| UOB One | Cashback | $60, $100 or $200 a quarter (up to 3.33%), plus extra on selected merchants | Quarterly sum set by tier; extra cashback capped at $120 a statement month | $600, $1,000 or $2,000 a month, with 10 purchases | $196.20; first year waived | $30,000 |
| UOB Absolute Cashback (Amex) | Cashback | 1.7% on most spend; 0.3% on some categories | None | None | $196.20; first year waived | $30,000 |
| UOB EVOL | Cashback | Up to 10% on local online and mobile contactless spend; 0.3% other | $80 a statement month in total | $800 a statement month | None from 1 July 2026 | $30,000 |
| UOB PRVI Miles | Miles | 1.4 miles per $1 local; 2.4 miles per $1 overseas | None | None | $261.60; first year waived | $30,000 |
| KrisFlyer UOB | Miles | 3 miles per $1 on Singapore Airlines group; 1.2 miles other | None stated | $1,000 a year on SIA group for the 2.4-mile categories | $196.20; first year waived | $30,000 |
| UOB Lady’s | Rewards | UNI$10 per $5 (4 miles per $1) on one chosen category | $1,000 of category spend a month | None | $196.20; first year waived | $30,000 |
| UOB Lady’s Solitaire | Rewards | UNI$10 per $5 on two chosen categories | $1,500 a month, $750 per category | None | $414.20; first year waived | $120,000 |
| UOB Preferred Visa | Rewards | UNI$10 per $5 on mobile contactless and selected online spend | UNI$1,080 bonus per category a month | None stated | $196.20; first year waived | $30,000 |
| UOB Visa Signature | Rewards | UNI$10 per $5 on overseas, petrol and contactless spend | UNI$2,400 per category a statement | $1,000 per category a statement | $218; first year waived | $30,000 |
Two notes on the table. The PRVI Miles page also lists 3 miles per $1 on spend in Indonesia, Malaysia, Thailand and Vietnam. And UOB’s EVOL terms split its $80 cap into sub-caps: $30 on local online and mobile contactless spend, $20 on selected gym, telco and streaming spend and $30 on other spend.
Worked Example: UOB One or Absolute Cashback
The One Card pays a fixed sum each quarter, not a percentage. That makes the maths different from most cashback cards.
Take an illustrative cardholder who spends $1,500 every month, with at least 10 purchases a month.
- UOB One: $1,500 clears the $1,000 tier but not the $2,000 tier, so the quarterly cashback is $100. On $4,500 of spending, that is 2.22%.
- UOB Absolute Cashback: $4,500 × 1.7% = $76.50 a quarter, assuming none of it falls in the 0.3% categories.
At exactly $1,000 a month the One Card’s $100 is 3.33%. At $1,900 a month it is 1.75%, and the Absolute Cashback card’s $96.90 nearly matches it with no conditions. The One Card pays most when your spending sits just above a tier, every month. UOB’s page sets out what happens when a month falls short; read it before relying on a tier.
The One Card’s extra cashback on Grab, McDonald’s, Shopee, SimplyGo, groceries and Singapore Power bills would add to this. UOB’s terms cap that extra cashback at $120 a statement month.
The short version: UOB has one no-conditions cashback card (Absolute Cashback, 1.7%), one no-cap miles card (PRVI Miles, 1.4 miles per $1 locally), and several 4-miles-per-$1 cards that each cover a narrow category up to a monthly cap.
Who Each UOB Card Does Not Suit
One. Not for uneven spenders. The cashback depends on meeting the tier and making 10 purchases a month.
Absolute Cashback. It is an American Express card, so acceptance is narrower than Visa or Mastercard. Charity, education, healthcare, professional services, utilities and Grab wallet top-ups earn 0.3%.
EVOL. Below $800 in a statement month, everything earns 0.3%. Above it, the $80 total cap limits the return.
PRVI Miles. At $261.60, it has the highest fee of the mainstream cards here. See our best air miles credit cards page for cross-bank figures.
KrisFlyer UOB. Miles go straight to KrisFlyer, so there is no choice of airline programme. The 2.4-mile categories need $1,000 a year of Singapore Airlines group spend, and UOB credits those extra miles after the membership year ends.
Lady’s and Lady’s Solitaire. Outside the chosen category, spend earns 0.4 miles per $1. Our UOB Lady’s Card review and DBS Woman’s World vs UOB Lady’s Card comparison go further.
Preferred Visa and Visa Signature. The Preferred Visa bonus stops at UNI$1,080 per category, which is $600 of spend. The Visa Signature pays nothing extra until a category reaches $1,000 in the statement period.
To compare across banks, start at the credit cards hub or the best cashback credit cards and best rewards credit cards pages.
How UNI$ Work
UNI$ is UOB’s points currency. Points cards earn a base UNI$1 per $5 spent, with bonus UNI$ on each card’s categories.
- Value in miles: UNI$1 = 2 miles with KrisFlyer or Asia Miles.
- Block size: UNI$5,000 for 10,000 miles.
- Conversion fee: $27 for each one-time conversion.
- Expiry: two years from the last day of the quarter in which the UNI$ were earned, per UOB’s Lady’s Card page.
- Exclusions: the Lady’s Cards terms list spend that earns no UNI$, including utilities, insurance, hospitals, schools, government services, charities and prepaid top-ups.
Because UNI$ are counted per $5, a $9 purchase earns the same as a $5 one. To value the miles in dollars, use our cashback vs miles calculator.
Annual Fees and the Fee Waiver Process
UOB takes fee waiver requests only through self-serve channels: the UOB TMRW app (Accounts, then the card, then Services, then “Waive fees”) the phone banking menu on 1800 222 2121, or the UOB Digital Assistant.
UOB’s fee waiver page gives the conditions:
- If you hold only one UOB credit card, the annual fee is waived on request. This excludes its premium cards.
- If you hold several, you need one of these within the first 11 months of the card year: $5,500 on the card being charged, $22,000 across all UOB credit cards, or $3,000 of overseas spend across them.
- Decisions are final.
UOB’s annual fee table also shows that unused UNI$ can offset the fee automatically: UNI$6,500 for a full waiver on the Lady’s, Preferred, PRVI Miles (Visa and Mastercard) and Visa Signature cards. That is 13,000 miles’ worth of points, so it is worth knowing before the anniversary month.
Foreign currency transactions carry a 3.25% administrative fee, per UOB’s help page. Our guide to overseas card fees shows the cost on a typical trip.
Interest is the cost that cancels every figure above. UOB’s card terms set interest at 27.8% a year once a bill is not paid in full, and MoneySense explains how that interest builds up. A 1.7% rebate does not offset that.
What To Do Next
- List your monthly spending by type and check whether it is steady enough for a tiered card.
- Read the card’s page on uob.com.sg for current rates, caps and exclusions before applying. Terms change.
- If you hold a UNI$ card, check the expiry dates and your balance against the 5,000-point block.
- Note your card anniversary month, so a fee or an automatic UNI$ deduction does not surprise you.
- If you are paying interest on a balance, work on that first with our debt payoff calculator.
