Best UOB Credit Card options, sorted by spending habits & perks

You’ve landed here because you’d like a credit card that hooks you up with hella perks. Seriously, good credit cards are able to get you free flights, baller hotel room upgrades, cashback, and discounts. After all, if you’re going to spend money, you might as well get rewards out of it.

However, with a bazillion options out there, picking a card that suits your needs is no easy feat, especially if you’ve never owned one. Fret not, we’re coming through with some suggestions to get you off to a good start. Check out the best UOB Credit Card options below to see whether your spending habits and the cards’ offers are a match.

Which are the best UOB credit card options to apply for?

From earning cashback on purchases to credit card miles, we’ve done the legwork and consolidated each card’s annual fee, rewards, and perks so you won’t have to go through the hassle of searching for the information yourself.

1. UOB EVOL Credit Card

Up to 10% cashback on your purchases

It pays to get a UOB EVOL Credit Card if getting money back from your buys excites you. And let’s be honest, who doesn’t want free cashback hopping back into their card to offset their next bill, just for making a purchase?

Seriously, the 10% cashback perk on all online and mobile contactless purchases made via apps like Apple Pay and Google Pay might be one of the highest you’ll find. Plus, just by making 3 transactions a month, you won’t need to pay the annual fee.

Also, 84% of the card is made out of plant-based materials so you can rest well knowing you’re doing good for the earth.

Best UOB credit card for: Tech-savvy millennials, fresh graduates, and eco-conscious spenders.
Best rewards & perks for new UOB Credit Cardmembers: S$350 Cash Credit at sign-up with min. spend of S$1,000 for 2 consecutive months, and get a Multi-Way tote bag from The Paper Bunny by spending $500 in the least amount of days, up till 31st October 2025.
Annual fee for principal card: No annual fee with 3 purchases/month, S$196.20 yearly without.

Find out more about the UOB EVOL Credit Card.

*Terms and conditions apply. Insured up to S$75k by SDIC.

2. UOB PRVI Miles Credit Card

Earn up to 8 miles per dollar with flights & hotel bookings

Throw down a UOB PRVI Miles Credit Card when booking flights or hotels to make sure you reap maximum rewards.

You’ll get to earn 1.4 miles per dollar on local purchases and up to 3 miles per dollar on overseas spending which includes online shopping from international websites. That, plus up to 8 miles per dollar on Agoda, Expedia, and UOB Travel bookings via the UOB PRVI Miles website – all without any minimum spending involved.

That said, one of the biggest draws of this credit card is that there’s no cap on the miles you can earn. So, take this info and start making your travel bookings to rack up miles fast. 

Best UOB credit card for: Jet-setters and online shopping addicts.
Best rewards & perks for new UOB Credit Cardmembers: Free travel insurance of up to S$500,000, up to 2 free airport transfers per quarter, and 4 complimentary lounge visits.
Annual fee for principal card: 1st year card fee waived, S$261.60 thereafter.

Find out more about the UOB PRVI Miles Credit Card.

3. KrisFlyer UOB Credit Card

Use daily spend to rack up rewards

If you’re a jet-setter who often daydreams about travelling to exotic destinations, the KrisFlyer UOB Credit Card is for you.

Here’s how the card works: you can earn up to 3 miles per S$1 spend on Singapore Airlines, Scoot, KrisShop, Kris+, and 2.4 miles per $1 spend selected everyday categories like dining, food delivery, and online shopping. Otherwise, continue to earn 1.2 miles per dollar spend on all other categories.

To earn 2.4 miles per dollar spend on selected categories spend – such as dining, food delivery, online shopping, as well as online travel and transport – you’ll need to spend at least S$1000 on Singapore Airlines, Scoot, or KrisShop annually. If you’ve been waiting for a reason to book a much-needed vacation abroad, this is it.

The KrisFlyer miles you earn will be credited automatically into your KrisFlyer membership account every month.

Plus, enjoy a fast track to KrisFlyer Elite Silver status when you charge a minimum of S$5,000 on Singapore Airlines, Scoot, and KrisShop card transactions within your first-year membership period for more benefits when you fly with Singapore Airlines and Scoot.

Best UOB credit card for: Travellers and frequent flyers, miles collectors
Best rewards & perks: For a limited time only, new-to-UOB Credit Card customers can get up to 31,000 miles when they apply for a KrisFlyer UOB Credit Card, enjoy travel benefits on Scoot and Singapore Airlines, S$15 off Grab rides to or from Singapore Changi Airport, 5,000 Welcome miles with first eligible spend of S$5, 10,000 miles with payment of annual renewal fee, and other exclusive benefits.
Annual fee for principal card 1st year card fee waived, S$196.20 thereafter

Find out more about the KrisFlyer UOB Credit Card.

Sign up now to start reaping rewards with UOB Credit Cards

Gone are the days when you’d rely solely on the “Bank of Mum and Dad”. You’re now an adult with a real job. You earn a salary, have a savings account, and even plan on settling down with your SO someday. That’s why you should also pad your wallet with a credit card.

Beyond the perks and freebies, you’ll also get to start building your credit score. Just be sure you pay your bills on time to keep a high score. This will be essential for future financial milestones such as taking out a bank loan for big-ticket purchases like your BTO reno or first car. When you’re ready to apply for your first credit card, keep the UOB options above in mind.

Find out more about UOB Credit Cards

This post was brought to you by UOB.
Photography by Shawn Low.
Originally published on 1st December 2023. Last updated by Josiah Neo on 22nd October 2025.

*Terms and conditions apply for promotions and card privileges, visit the respective card pages to find out more.