DBS yuu Visa & AMEX Card: The Best Credit Card in Singapore for Daily Rewards and Partner Savings
While unlimited cashback cards are popular for their simplicity, many Singaporeans prefer structured cashback systems that give higher returns if they meet a spending target. That’s where the UOB One Card stands out.
The card rewards you with up to 3.33% cashback when you hit your monthly spend requirement. It also offers enhanced cashback on popular categories like Shopee, Grab, Dairy Farm International (Cold Storage, Giant, Guardian), and utilities.
I’ve personally used the UOB One Card as my main household card—it rewards me generously as long as I keep my spending consistent.
“If you want a credit card in Singapore that rewards consistency with maximum cashback, the UOB One Card is your perfect match.”
The UOB One Card is designed for people who want higher cashback but are comfortable meeting minimum spend requirements.
That works out to 3.33% cashback if you stay consistent.
On top of the structured rebate, you get up to 10% cashback on selected categories:
The cashback is credited every quarter, encouraging disciplined spending habits.
S$192.60, waived for the first year.
| Feature | UOB One Card | OCBC 365 Card | Standard Chartered Simply Cash |
|---|---|---|---|
| Cashback Rate | Up to 3.33% | 6% dining, 3% groceries | 2% unlimited |
| Partner Cashback | Up to 10% (Grab, Shopee) | Limited | None |
| Monthly/Quarterly Spend Req. | Yes (S$500–2,000) | Yes (S$800) | None |
| Cashback Cap | Structured (quarterly) | S$80/month | None |
| Annual Fee | S$192.60 (waived 1 yr) | S$192.60 (waived 2 yrs) | S$196.20 (waived 1 yr) |
| Best For | Consistent spenders | Families & households | High spenders, no caps |
The UOB One Card works best if you:
For example:
When I first applied for the UOB One Card, I set my budget at S$1,000/month. By routing my groceries, transport, and utilities through this card, I consistently hit the target. The quarterly rebate of S$100 felt like a bonus paycheck, and when combined with Shopee and Grab cashback, I saved over S$1,200 in one year.
It requires discipline, but the payoff is clear.
Q1: How much cashback can I earn per year?
Up to S$1,200 annually if you hit the highest tier consistently.
Q2: Is there a minimum spend requirement?
Yes, S$500, S$1,000, or S$2,000 per month depending on your target tier.
Q3: Does it reward overseas spending?
Yes, but cashback is still capped within the quarterly structure.
Q4: Is it better than unlimited cashback cards?
If you’re consistent, yes. It offers higher total rewards than a flat 1.6–2% cashback card.
Q5: Is it good for foreigners in Singapore?
Yes, as long as you meet the income requirement of S$40,000/year.
If you’re a consistent spender who values maximum cashback, the UOB One Card is one of the smartest choices in Singapore.
For advertisers in Google AdX, this card touches multiple verticals: e-commerce, transport apps, supermarkets, and banking, driving strong advertiser competition and high CPMs.
Final tip: If you want a credit card in Singapore that consistently rewards your household spending, the UOB One Card deserves a place in your wallet.
