UOB UnionPay Credit Card
2% cashback on eligible transactions without minimum spend, capped at S$50 per calendar month.
Benefits & important limits
- 2% cashback on eligible transactions without minimum spend, capped at S$50 per calendar month.
- UnionPay acceptance and eligible merchant exclusions apply. Check the latest product notices before relying on a fee waiver.
Fees & repayments
- Principal annual fee (GST included)
- S$0.00
- Fee waiver
- Principal and supplementary annual fees waived from 1 October 2026.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Singapore citizens / PRs: S$30,000 gross annual income; S$15,000 from age 56.
Foreign applicants: S$40,000 gross annual income, supported by income and residence documents. EP / S Pass follow the issuer’s supporting-document route. A pass and salary meeting the figures do not guarantee approval.
UOB’s document route specifies EP or S Pass and passport with at least six months remaining validity.
Age: 21+. Gross annual income is different from take-home pay; income earned in another currency requires bank confirmation.
Application documents ↗0% FX fees — scope
From 1 October 2026: 0% administrative FX fees on overseas foreign-currency retail spending, without minimum spend. Network conversion rates and merchant DCC costs remain separate.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.