Review of best UOB credit cards in Singapore - how do they compare?

If you have a bank account with UOB® you may be wondering if it’s worth getting a UOB credit card. UOB offers credit cards across different categories to suit different customer needs, including cash back and air miles reward cards, and cards with easy ways to have annual fees waived. Ultimately which UOB credit card is the best for you will depend on your personal preference and spending habits.

Join us as we look at 5 of the best UOB credit cards available. We’ll also touch on how a low cost international debit card from Wise could help cut your costs when you travel, by avoiding UOB foreign transaction fees.

What to consider when choosing a credit card

Before we kick off our UOB credit card review, let’s look at a few important considerations when choosing the right card for you.

Minimum income requirements - the minimum earning level needed varies for Singapore citizens and PR compared to expats. The cards we look at in this UOB credit cards (Singapore) review have minimum annual salary rates from 30,000 SGD right up to 150,000 SGD.

Eligibility rules - generally the only other eligibility rules that apply are based on age and residency; aside from the UOB Lady’s Card which is for women only.

Annual fee - annual fees for standard card types are usually under 200 SGD a year, but it’s worth looking for cards which offer ways to have the charge waived or reduced if possible.

Interest rate - interest rates may vary for purchases and cash back, with penalties likely if you’re late paying. Check out all the details before you sign up so there are no surprises.

Cash back and rewards - many credit cards offer ways to earn cash back, rewards or air miles. This can mean you can do more with your money as you earn even as you spend.

Foreign transaction fees - finally if you’ll use your credit card to spend in a foreign currency, when you travel or shop online, it’s worth understanding the foreign transaction fees that apply. The UOB foreign exchange rate will be the rate set by the card network - but UOB then has a 3.25% fee for all foreign currency spending, which pushes up prices.

Getting an international debit card from Wise can be a good way to avoid this charge. More on that later.

Here’s a look one by one at each of the 5 top UOB credit cards we profiled above.

1. UOB One Credit Card

The UOB One card is available for Singapore citizens and PRs with a 30,000 SGD minimum income requirement. Foreign applicants must have a higher minimum income of 80,000 SGD. All card holders can earn cash back on spending including special earning opportunities on fuel and utilities.

2. UOB Krisflyer Credit Card

If you travel a lot, a UOB Krisflyer card can be a good way to earn points you can trade for flights and other travel benefits. You’ll get up to 3 points per dollar based on the spending category, with extra perks from Singapore Airlines and Scoot, too.

3. UOB Lady’s Credit Card

UOB markets its Lady’s card to women who want to select the category or categories of spending they want to earn more rewards in. You can change these categories quarterly to suit your spending patterns.

4. UOB EVOL Credit Card

The UOB EVOL card has easy read numbers and offers automatic online statements to avoid an unnecessary waste of paper when mailing statements out. You can get 8% cash back on online and contactless spending, too.

5. UOB Visa Infinite Metal Credit Card

The UOB Visa Infinite Metal card is a premium card with a high minimum earning requirement of 150,000 SGD. For the high fees you get lots of exclusive perks and reward opportunities including air miles and airport lounge access.

Bring the Wise card - the most international debit card in the world - along with you when travelling or shopping abroad

As well as your UOB credit card, get an international debit card from Wise, to avoid foreign transaction fees when you travel or spend money online in foreign currencies.

Open a Wise account online or in the Wise app, to add money in SGD and spend in 40+ currencies with the mid-market exchange rate and low fees from 0.43%⁷. Your Wise card can automatically convert from dollars to the currency you need to pay at the point of purchase - so you never need to worry about having the right currency to hand when you travel.

Order your Wise card today! 💳

Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

UOB credit card application process

You can make your UOB credit card application online if you’re a new customer with SingPass and MyInfo. Your personal information will be pre populated with MyInfo for convenience so you don’t need to waste time filling out forms. Applications must be submitted between 7am and 8pm and the card you apply for will be available in 5 days subject to eligibility checks.

If you can’t use MyInfo or prefer to apply manually you’ll need to provide the following⁸:

• Singapore citizens and PR - NRIC, proof of address, proof of income
• Foreigners - Passport, work pass, proof of address, proof of income

UOB has a solid range of credit cards for different customer needs, so the chances are that you’ll find one that suits you. Use this guide to get some ideas - and check out the Wise international debit card as a handy partner to use alongside your credit card when you’re travelling or spending in a foreign currency online.