In the ever-evolving financial landscape of Singapore, United Overseas Bank (UOB) has firmly cemented its position as one of the leading banks offering a suite of credit cards tailored to suit varied lifestyles and spending habits. Whether you’re a savvy shopper, a frequent traveller, or someone who enjoys dining out, UOB’s credit cards in 2025 continue to present compelling value propositions.

This article offers a comprehensive comparison of the top UOB credit cards available in Singapore in 2025. By dissecting their features, benefits, and ideal user profiles, we aim to help you make an informed decision that aligns with your financial goals and personal preferences.

1. UOB One Card

Overview:

The UOB One Card has long been a household name among cashback seekers. In 2025, it remains one of the most rewarding cashback credit cards in the Singaporean market—provided one meets the structured spending requirements.

Key Benefits:

• Up to 10% cashback on everyday spend, including groceries, online shopping, transport (Grab, bus, MRT), and utility bills.
• Quarterly rebates of up to S$300 (up to S$1,200 annually).
• Minimum spend tiers: S$500, S$1,000, or S$2,000 per month over three consecutive months to qualify for respective cashback tiers.

Ideal For:

• Disciplined spenders who consistently meet monthly minimum spend.
• Families and individuals with stable, recurring expenses.

Downsides:

• Cashback is capped and only unlocked if spending is consistent.
• Miss a month, and you forfeit the rebate for that quarter.

2. UOB Lady’s Card / UOB Lady’s Solitaire Card

Overview:

Uniquely designed for women (although technically open to all), the UOB Lady’s Card allows cardholders to customise their rewards by selecting specific categories every quarter.

Key Benefits:

• 15X UNI$ (equivalent to 6 miles per S$1) on up to two preferred categories (e.g., beauty, dining, fashion, transport, entertainment).
• No expiry on UNI$.
• Lady’s Solitaire cardholders enjoy higher monthly bonus caps and exclusive luxury privileges.

Ideal For:

• Female professionals who value lifestyle flexibility and custom rewards.
• Shoppers with strong spending in selected lifestyle categories.

Downsides:

• Reward cap limits high spenders.
• Categories must be manually selected each quarter, which may be a hassle.

3. UOB EVOL Card

Overview:

Targeted at the younger, digital-first generation, the UOB EVOL Card is tailored for online and contactless spending—two modes that dominate Gen Z and millennial spending behaviour in 2025.

Key Benefits:

• 8% cashback on online and mobile contactless payments (Apple Pay, Google Pay, Samsung Pay).
• 0.3% cashback on all other spend.
• Minimum spend of S$600/month required.
• Cashback cap of S$60/month (S$20 per category: online, mobile contactless, others).

Ideal For:

• Young adults who make the bulk of their purchases digitally.
• Tech-savvy consumers who prefer convenience over complexity.

Downsides:

• Cashback is tightly capped.
• Rewards limited to specific payment modes.

4. UOB Preferred Platinum Visa Card

Overview:

For those who value travel rewards, the UOB Preferred Platinum Visa continues to be a perennial favourite for earning air miles.

Key Benefits:

• 10X UNI$ (equivalent to 4 miles per S$1) on online shopping and mobile contactless payments.
• UNI$ never expire, allowing accumulation over time.
• Easy conversion to major frequent flyer programmes like KrisFlyer and Asia Miles.

Ideal For:

• Mile chasers who prefer flexibility in redemption.
• Travellers and online shoppers.

Downsides:

• 10X UNI$ capped at S$1,110 spend per month (~S$2,000 in UNI$).
• Not ideal for non-online or offline purchases.

5. UOB PRVI Miles Card

Overview:

With no minimum spend and high miles earning potential, the PRVI Miles Card stands as one of the most generous air miles cards in Singapore—ideal for frequent flyers in 2025.

Key Benefits:

• 1.4 miles per S$1 locally, 2.4 miles overseas, and 6 miles on major airlines and hotels (via Expedia, Agoda, UOB Travel).
• Complimentary travel insurance coverage up to S$500,000.
• Access to UOB’s travel concierge and booking perks.

Ideal For:

• Frequent travellers seeking high rewards without tight spending caps.
• Cardholders who value both convenience and luxury perks.

Downsides:

• Miles are in the form of UNI$ and require manual conversion (admin fee applies).
• Annual fee of S$256.80 (waived only for first year).

6. UOB Absolute Cashback Card

Overview:

The UOB Absolute Cashback Card has been a game-changer for those who prefer flat-rate cashback with no cap or category restriction—making it one of the simplest yet effective cards for 2025.

Key Benefits:

• 1.7% unlimited cashback on all eligible spend (including insurance, utilities, school fees—categories typically excluded).
• No minimum spend requirement.
• Cashback is automatically credited into your account monthly.

Ideal For:

• Individuals who want straightforward, fuss-free cashback.
• Those with large, uncategorised spending needs.

Downsides:

• No bonus or category-specific rewards.
• Lacks lifestyle perks and luxury privileges.

Comparative Summary Table

Card	Cashback / Miles	Minimum Spend	Ideal For	Notable Limitation
UOB One Card	Up to 10% cashback	S$500–S$2,000	Regular spenders	Requires consistent monthly spend
UOB Lady’s / Solitaire	Up to 6 miles/S$1	None (category required)	Lifestyle-centric women	Category selection every quarter
UOB EVOL Card	8% cashback	S$600	Digital-native users	Cashback caps
UOB Preferred Platinum	4 miles/S$1	None	Online spenders / travellers	Monthly miles cap
UOB PRVI Miles	Up to 6 miles/S$1	None	Frequent travellers	No free airport lounge access
UOB Absolute Cashback	1.7% unlimited cashback	None	General spend	No bonus perks

How to Choose the Right UOB Credit Card

1. Evaluate Your Spending Pattern

Understanding where and how you spend most often is essential. Do you mostly pay online or in-store? Are your largest bills related to dining, travel, insurance, or groceries? Cards like the EVOL or One Card are highly rewarding—but only if your spending aligns with their cashback conditions.

2. Consider Long-Term Goals

If you’re planning for future travel, a miles card like the UOB PRVI or Preferred Platinum Visa could pay off handsomely. Alternatively, if you’re more focused on cash savings, the Absolute Cashback Card might be your best bet.

3. Factor in Convenience

Some cards require quarterly category selection (Lady’s Card), while others have strict spend and rebate structures (UOB One Card). If simplicity is important to you, cards with automatic cashback and no cap are less of a hassle.

4. Review Fees and Conversion Rates

Be aware of annual fees, foreign transaction fees, and air miles conversion charges. Some cards offer fee waivers only for the first year, after which the benefits may not justify the cost.

Final Thoughts

UOB’s range of credit cards in 2025 speaks volumes about the bank’s strategic positioning in meeting the varied financial and lifestyle needs of Singaporeans. From cashback hunters and travel enthusiasts to digital-savvy youth and fashion-forward professionals, there’s a UOB credit card for virtually everyone.

Still, no single card will offer the best of every benefit. Choosing the right one comes down to understanding your own habits and priorities. Whether it’s miles you’re after, or you’re just looking to maximise everyday savings, making a smart, tailored choice can translate to thousands of dollars saved—or earned—in the long run.

For most Singaporeans, maintaining a combination of one cashback and one travel card offers the best of both worlds. With careful planning and disciplined usage, UOB credit cards can indeed become powerful financial tools in your journey toward financial optimisation.