UOB ONE Card
UOB consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM3,000.00
- Minimum annual income
- RM36,000.00
- Qualifying spend
- RM1,500 eligible retail / statement month for 10%
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM195.00
- Fee waiver
- RM195 recurring annual fee, waived with RM20,000 annual retail spend; NTB first-year waiver only if campaign eligibility met
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Grocery bonus covers the bank’s selected grocers and relevant MCCs; it is not a bonus on every shop selling food.
- Platinum minimum RM1500 eligible retail/statement month; Classic no longer accepts new applications.
- 10% each petrol/groceries/dining/Grab, cap RM15 each; below minimum 0.2%; other retail 0.2% uncapped.
- Selected grocers and listed MCCs only. Utilities, government, BT, instalments and specified exclusions do not count toward monthly threshold.
- Non-GrabPay top-ups earn no cashback, but monthly-threshold exclusion list differs.
- Annual waiver spend excludes BT/instalment/cash advance/fees etc; utilities may count toward annual waiver while excluded monthly.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Petrol (If minimum retail spend per statement month is met) | 10% | RM1,500.00+ | RM15.00 |
| Petrol (If minimum retail spend per statement month is not met) | 0.2% | RM0.00–RM1,499.00 | RM15.00 |
| Groceries (If minimum retail spend per statement month is met) | 10% | RM1,500.00+ | RM15.00 |
| Groceries (If minimum retail spend per statement month is not met) | 0.2% | RM0.00–RM1,499.00 | RM15.00 |
| Dining (If minimum retail spend per statement month is met) | 10% | RM1,500.00+ | RM15.00 |
| Dining (If minimum retail spend per statement month is not met) | 0.2% | RM0.00–RM1,499.00 | RM15.00 |
| Grab (If minimum retail spend per statement month is met) | 10% | RM1,500.00+ | RM15.00 |
| Grab (If minimum retail spend per statement month is not met) | 0.2% | RM0.00–RM1,499.00 | RM15.00 |
| Other Retail Spend | 0.2% | RM0.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.