Separate MYR and IDR bonus category, with the same per-category cap
Best suited to
Families willing to select and manage five categories around their regular monthly spending.
What to watch
Groceries remain capped at 6%. Each category—including the MYR/IDR bonus category—earns at most S$20 at the lower tier or S$30 at the higher tier; spend outside the rules earns 0.22%.
8% on petrol and eligible private commute worldwide
6% on eligible dining and groceries worldwide
0.2% base cashback on retail purchases
Best suited to
Drivers and households with substantial monthly grocery, dining and private-transport spending.
What to watch
The bonus rates require S$800 of qualifying retail spend in a statement month. Total cashback is capped at S$80 monthly across the eligible categories and depends on merchant coding.
A separate 5% category for eligible Caltex and Shell petrol spend
New cards issued by 31 March 2027 can earn an additional 3% for their first two calendar quarters
Best suited to
Regular diners, shoppers and entertainment spenders who can meet the qualifying spend consistently.
What to watch
After the first calendar quarter, S$600 of eligible spend is required in all three months of each quarter; miss one month and the enhanced cashback for that quarter is lost. Total cashback is capped at S$250 per quarter.
About 3.33% quarterly cashback on general eligible spend
Higher ongoing total cashback at selected everyday merchants, reaching 10% at the S$2,000 tier
Can complement the UOB One Account for eligible customers
Best suited to
Disciplined spenders whose card bills stay within the same qualifying tier throughout each quarter.
What to watch
At least 10 purchases and the qualifying spend are required in every statement period. The separately advertised up-to-20% new-cardholder offer is temporary; the standard programme is distinct.
Flat cashback on eligible spending, with no minimum monthly spend and no cashback cap.
Best flat rate
UOB Absolute Cashback
Headline return
1.7% cashback
Qualifying spend
No minimum spend · no cap
Standout benefits
1.7% on most eligible purchases
0.3% on selected commonly excluded categories
Cashback is automatically credited
Best suited to
People wanting a strong flat return and who are comfortable with American Express acceptance.
What to watch
It is an American Express card, and mobile contactless wallets such as Apple Pay, Google Pay and Samsung Pay are not enabled. Selected commonly excluded categories earn only 0.3%.
Eligible Citi Plus customers with the Mastercard version can earn a conditional 0.4% bonus
Best suited to
Anyone preferring predictable cashback with broad card acceptance and no monthly target.
What to watch
Education, government, insurance, financial-institution and several bill-payment transactions are excluded. The Citi Plus bonus applies to the Mastercard version and has separate conditions and a cap.