UOB One Card cashback rates & bonus categories
Cashback is awarded by MCC code. The rates below depend on the merchant filing the right category code — verify any merchant in our MCC database.
| Category | Rate | Details |
|---|---|---|
| Quarterly rebate — Tier 1 | S$60/quarter | Spend at least S$600 (below S$1,000) in each statement month of the quarter, with at least 10 card transactions per month, to earn S$60 for the quarter. |
| Quarterly rebate — Tier 2 | S$100/quarter | Spend at least S$1,000 (below S$2,000) per statement month across the quarter for S$100 quarterly rebate. |
| Quarterly rebate — Tier 3 | S$200/quarter | Spend at least S$2,000 per statement month across the quarter for the maximum S$200 quarterly rebate. |
| Bonus categories | Additional category rebates | Selected categories (e.g. groceries) earn additional cashback on top of the quarterly rebate — currently 2.67% additional on grocery transactions per UOB’s published FAQ — with per-category monthly caps. |
Reward currency: Cash rebate (credited to the account). Source: UOB official page (reviewed 22 September 2026).
UOB One Card: pros & cons
Pros
- Deterministic: hit the tier, get the rebate — no surprises
- Bonus category cashback stacks on top of the quarterly rebate
- S$200/quarter is among the highest absolute rebate ceilings
Cons
- Must hit the tier EVERY month of the quarter — one miss forfeits it
- Minimum 10 transactions per month is an extra hoop
- Effective rate (~3.3% top tier) trails category cards’ 5–8% bonuses
Who the UOB One Card is good for
- Structured spenders with stable monthly outlay
- S$2,000/month spenders who want S$800/year guaranteed
- Grocery-heavy households stacking the additional 2.67%
Frequently Asked Questions
How does the UOB One Card quarterly cashback work?
Spend S$600/S$1,000/S$2,000 per statement month — with at least 10 transactions monthly — for every month in a quarter, and earn S$60/S$100/S$200 respectively for that quarter. The tier applies to the whole quarter; missing one month drops you out.
What is the UOB One Card maximum cashback per year?
S$200 per quarter at Tier 3 is S$800 per year from the quarterly rebate alone, before any bonus category cashback.
Does UOB One Card earn extra on groceries?
Yes — UOB’s published FAQ lists an additional 2.67% cashback on grocery transactions, subject to monthly category caps, stacked on the quarterly rebate.
Last reviewed: 22 September 2026 | Rates, caps and minimum spend may change. Always verify with CheckMCC and UOB before applying.