UOB One Card Bonus MCC Categories
The UOB One Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Groceries — 5% cashback
Supermarkets and grocery stores earn the highest cashback rate.
2. Transport — 5% cashback
Ride-hailing, taxis, and public transport all earn bonus cashback.
3. Utilities & Telecom — 5% cashback
Pay your utility bills and telecom charges to earn bonus cashback.
Tips to Maximize UOB One Card Rewards
- You must spend at least $500/month to unlock bonus cashback rates
- Spend $2,000/month to maximize the 5% cashback tier
- Set up GIRO for utilities and telecom to hit the minimum spend easily
- Use for groceries and transport to maximize the 5% categories
Frequently Asked Questions
What is the UOB One Card cashback rate?
UOB One Card offers up to 5% cashback on groceries, transport, and utilities when you spend a minimum of $500/month. Lower spend tiers earn lower cashback rates.
Is UOB One or DBS Live Fresh better?
UOB One is better for consistent cashback on daily categories (groceries, transport, utilities). DBS Live Fresh offers higher online cashback but has different category structures.
Does UOB One have a minimum spend?
Yes. You need to spend at least $500/month to earn any bonus cashback. Spend $2,000/month for the maximum 5% rate.
Last Updated: June 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.