UOB One¶
Baseline Sources and Facts¶
No official/secondary baseline facts imported yet.
| Field | Values |
|---|---|
| Programme type | bank_transfer, other |
| Source layers | bank, official, user_reported |
| Currencies | cashback, Cashback, cashback/interest, interest, UNI$ |
Community-Learned Rules and Datapoints¶
Merchant (exception, user verified, risk: medium)¶
User reported that salary credit (SALA) transactions to a UOB One account from a personal account at another bank (such as DBS) still successfully trigger the monthly salary credit bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | interest |
| Devaluation risk | high |
| Last verified | 2026-06-11 |
| Last seen | 2026-06-11T00:39:36+00:00 |
| Observed result | Self-transfers from other personal bank accounts using SALA transaction code still trigger the bonus interest. |
| Public/official layer | Salary credit must be via GIRO/FAST with transaction codes SALA or PAYR from corporate payroll. |
| Caveat | Relies on bank transaction description matching SALA |
UOB: via SALA (exception, user verified, risk: low)¶
User reported that salary credit bonus interest on the UOB One account can still be successfully triggered by transferring funds from another personal bank account (e.g., DBS) using the SALA transaction code.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | UOB |
| Route | SALA |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | interest |
| Devaluation risk | medium |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T11:40:21+00:00 |
| Observed result | Self-transfers from other banks using SALA code still trigger the bonus interest |
| Public/official layer | Requires an official salary credit via GIRO/SALA |
| Caveat | May take a few days to reflect and update in the UOB portal |
Merchant (exception, user verified, risk: medium)¶
User reported that transactions that do not earn miles or cashback can still count towards the UOB One Account's minimum S$500 monthly card spend requirement to unlock bonus interest.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2026-06-10 |
| Last seen | 2026-06-10T16:24:55+00:00 |
| Observed result | Users observed that transactions not earning rewards still count towards the UOB One Account S$500 spend tracker. |
| Caveat | Specific wholesale exclusions like Grab top-ups or financial institutions may still be blocked from the spend tracker entirely; users should monitor their tracker. |
Claim 6980 (risk: low)¶
GIRO payments deducted directly from a UOB One account do not count towards the $500 monthly eligible card spend requirement for bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Route | GIRO |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-04-07T12:45:56+00:00 |
| Last seen | 2026-04-07T12:45:56+00:00 |
| Public/official layer | Only eligible credit/debit card spend counts towards the $500 minimum. |
Claim 6999 (user verified, risk: low)¶
GIRO payments for insurance do not count towards the UOB One account $500 minimum monthly card spend for bonus interest, but billing it directly to the UOB One debit card does.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Prudential |
| Card | UOB One Debit Card |
| Route | GIRO |
| Programme | UOB One |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2026-04-07T12:45:01+00:00 |
| Last seen | 2026-04-07T12:45:56+00:00 |
| Observed result | Users confirmed GIRO does not count, but debit card billing does. |
| Public/official layer | Only eligible credit/debit card spend counts towards the $500 minimum spend for UOB One account bonus interest. |
| Caveat | Must be billed directly to the card, not via GIRO from the bank account. |
Prudential (exception, user verified, risk: low)¶
User reported that paying Prudential insurance premiums using the UOB One Debit Card counts towards the $500 monthly eligible spend requirement for UOB One Account bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Prudential |
| Card | UOB One Debit Card |
| Programme | UOB One |
| Devaluation risk | low |
| Last verified | 2026-04-07T12:45:01+00:00 |
| Last seen | 2026-04-07T12:45:01+00:00 |
| Observed result | Counts towards the $500 UOB One Account spend requirement when using the debit card. |
| Public/official layer | Insurance payments are often excluded from eligible card spend. |
| Caveat | GIRO deductions from the account do not count; must be billed directly to the debit card. |
Claim 14011 (user verified, risk: low)¶
The UOB One account continues to offer an interest rate of up to 4%.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | UOB One |
| Programme type | other |
| Points currency | cashback/interest |
| Devaluation risk | low |
| Last verified | 2025-03-31 |
| Last seen | 2025-03-31T09:47:02+00:00 |
| Observed result | UOB One account still offers a decent 4% interest rate. |
| Caveat | Requires meeting specific salary credit and spending criteria to achieve the advertised rate. |
Claim 14007 (user verified, risk: low)¶
UOB One Account maximum effective interest rate (EIR) is reduced to 3.30% p.a. for deposits up to S$150,000, requiring S$500 eligible card spend and S$1,600 salary credit with SALA or PAYNOW SALA transaction reference.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | bank |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | high |
| Last verified | 2025-03-31 |
| Last seen | 2025-03-31T23:40:19+00:00 |
| Observed result | UOB One Account interest rate dropped to 3.3% p.a. |
| Public/official layer | Maximum EIR of 3.30% p.a. on S$150,000 balance with S$500 card spend and S$1,600 salary credit. |
| Caveat | The previous 4.0% p.a. rate remains active through April 2025. Other tiers include 0.65% EIR for S$75k (spend only) and 1.90% EIR for S$125k (spend + 3 GIROs). |
Claim 14730 (user verified, risk: low)¶
Spending on the UOB One Debit Card counts towards the minimum spend requirement of the UOB One Account to unlock bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Debit Card |
| Programme | UOB One |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-29 |
| Last seen | 2024-11-29T00:45:17+00:00 |
| Observed result | Users confirmed that UOB One Debit Card spend successfully counts towards the UOB One Account criteria. |
| Public/official layer | UOB One Debit Card spend is an eligible transaction type to meet the UOB One Account monthly spend criteria. |
| Caveat | Requires a minimum monthly spend of S$500. |
Claim 14725 (user verified, risk: low)¶
UOB One Debit Card spend counts towards the UOB One Account transaction requirement, and offers 3% cashback on McDonald's, DFI Retail Group, Shopee, SimplyGo, and 1% on Grab with a minimum monthly spend of S$500.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Merchant | McDonald's, DFI Retail Group, Shopee, SimplyGo, Grab |
| Card | UOB One Debit Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-29 |
| Last seen | 2024-11-29T00:48:27+00:00 |
| Observed result | UOB One Debit Card spend successfully counts for UOB One Account criteria. |
| Public/official layer | 3% cashback on McDonald's, DFI, Shopee, SimplyGo & 1% on Grab with S$500 min spend, capped at S$20/month. |
| Caveat | Cashback is capped at S$20/month. Transactions with description 'NORWDS*' are excluded from earning rewards since 21 July 2024. |
Insurance (exception, user verified, risk: low)¶
User reported that paying insurance premiums with a UOB card counts towards the S$500 monthly spend requirement for the UOB One Account bonus interest, but is excluded from earning cashback on the UOB One Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Insurance |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-29 |
| Last seen | 2024-11-29T03:22:20+00:00 |
| Observed result | Counts for account bonus interest but earns no card cashback |
| Public/official layer | UOB One Account T&Cs allow card spend on insurance to count towards the S$500 monthly spend, while UOB One Card T&Cs exclude insurance from cashback |
| Caveat | Only counts for the UOB One Account bonus interest spend, not for card cashback |
Guardian (exception, user verified, risk: low)¶
User reported that purchases made at Guardian using a physical UOB One Card post on the same day, which helps in meeting the monthly spend threshold.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Guardian |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T03:53:43+00:00 |
| Observed result | Transaction posted on the same day as purchase. |
| Caveat | Requires physical card transaction. |
Merchant: via FAST transfer (exception, user verified, risk: low)¶
User reported that uOB One account salary credit requirement can be triggered by performing a FAST transfer from DBS digibank to UOB and selecting 'Salary' as the payment purpose.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Route | FAST transfer |
| Programme | UOB One |
| Programme type | other |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T16:18:45+00:00 |
| Observed result | FAST transfer with 'Salary' purpose successfully triggers the salary credit interest. |
| Public/official layer | Salary must be credited via GIRO/FAST with transaction code SALA. |
| Caveat | Must select 'Salary' as the payment purpose during the FAST transfer. |
Merchant: via FAST (exception, user verified, risk: low)¶
User reported that performing a FAST transfer from DBS to UOB and selecting 'Salary' as the payment purpose successfully triggers the salary credit criteria for the UOB One account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Route | FAST |
| Programme | UOB One |
| Programme type | other |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T16:19:49+00:00 |
| Observed result | FAST transfer with Salary purpose successfully satisfies the UOB One salary credit criteria |
| Public/official layer | Requires GIRO salary credit with transaction code SAL or SAB |
| Caveat | Must select 'Salary' as the payment purpose during the bank-to-bank FAST transfer, not PayNow |
UOB: via FAST (exception, user verified, risk: low)¶
User reported that to satisfy the UOB One account salary credit criteria via self-transfer, users must use a FAST transfer from another bank (e.g., DBS) and select 'Salary' as the transaction purpose; using PayNow with a description like 'PAYNOW SALA' does not work.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | UOB |
| Route | FAST |
| Programme | UOB One |
| Programme type | other |
| Points currency | interest |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T16:19:49+00:00 |
| Observed result | FAST transfer with 'Salary' purpose successfully triggers the UOB One salary credit criteria, whereas PayNow transfers do not |
| Public/official layer | Requires GIRO salary credit with transaction code SALA or similar official codes |
| Caveat | Must select the official 'Salary' purpose code during FAST transfer setup |
Claim 14752 (user verified, risk: low)¶
To satisfy the UOB One account salary credit criteria via FAST transfer from another bank, you must select 'Salary' as the payment purpose/transaction type, rather than just typing 'SALARY' in the reference/description field.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Route | FAST |
| Programme | UOB One |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T16:19:49+00:00 |
| Observed result | FAST transfer with 'Salary' purpose successfully triggers the salary credit criteria. |
| Public/official layer | Salary credit must be coded as SALA via GIRO or FAST with the correct purpose code. |
| Caveat | Only works for UOB One salary credit criteria, not necessarily other banks' promos. |
Singtel: via Singtel App (exception, user verified, risk: medium)¶
User reported that paying Singtel bills via the Singtel app no longer codes as AXS Singapore (previously STbill), making it ineligible for UOB One cashback. Payments should be made via the Singtel website or physical kiosk instead.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | UOB One |
| Route | Singtel App |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | cashback |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T00:22:18+00:00 |
| Observed result | Singtel app payments no longer code as AXS/STbill and fail to trigger UOB One cashback |
| Caveat | Corporate accounts may have limited payment options and might still require AXS |
Claim 15837 (user verified, risk: low)¶
Spending on the UOB Lady's Card counts towards the UOB One Account's $500 monthly spend requirement to unlock bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB Lady's Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last seen | 2024-11-25T08:32:56+00:00 |
| Observed result | Counts towards UOB One Account bonus interest spend requirement |
| Caveat | Must meet the minimum spend of $500 |
Claim 15834 (user verified, risk: low)¶
Spending on the UOB Lady's Card or UOB Lady's Solitaire counts towards the S$500 monthly spend requirement to unlock bonus interest on the UOB One Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB Lady's Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-11-25 |
| Last seen | 2024-11-25T08:32:56+00:00 |
| Observed result | Users confirmed Lady's Card spend successfully contributes to the UOB One Account spend requirement |
| Public/official layer | UOB Lady's Card spend is eligible to meet the UOB One Account bonus interest spend requirement |
| Caveat | Allows users to meet the UOB One Account interest criteria without spending on the UOB One Card itself |
Claim 15819 (user verified, risk: low)¶
Spending on the UOB Lady's Card counts towards the $500 monthly spend requirement to unlock bonus interest on the UOB One Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB Lady's Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Devaluation risk | low |
| Last verified | 2024-11-25 |
| Last seen | 2024-11-25T08:32:56+00:00 |
| Observed result | Users confirmed they dropped the UOB One Card and successfully used the UOB Lady's Card to fulfill the UOB One Account spend requirement. |
| Public/official layer | UOB Lady's Card spend is an eligible card spend category for the UOB One Account bonus interest. |
| Caveat | This allows users to meet the UOB One Account interest criteria without needing to spend on the UOB One Card itself. |
Claim 15816 (user verified, risk: low)¶
Spending on the UOB Lady's Card counts towards the S$500 monthly spend requirement to unlock bonus interest on the UOB One Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB Lady's Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-11-25 |
| Last seen | 2024-11-25T08:32:56+00:00 |
| Observed result | Users confirmed they can use the UOB Lady's Card to meet the UOB One Account spend requirement instead of the UOB One Card. |
| Public/official layer | UOB Lady's Card spend is eligible to meet the UOB One Account monthly spend criteria. |
Claim 16034 (user verified, risk: low)¶
Transactions made via Amaze no longer count towards the S$500 monthly card spend required to earn bonus interest on the UOB One Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | bank |
| Card | UOB One Card |
| Route | Amaze |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | interest |
| Devaluation risk | high |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T05:24:24+00:00 |
| Observed result | Users observed that Amaze transactions did not count towards the S$500 spend meter for October 2024. |
| Public/official layer | Amaze transactions are excluded from qualifying spend for UOB One Account bonus interest. |
| Caveat | Effective from 1 October 2024. |
Claim 16015 (user verified, risk: low)¶
Amaze transactions are excluded from counting towards the S$500 monthly card spend required to earn bonus interest on the UOB One Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | bank |
| Card | UOB One Card |
| Route | Amaze |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T05:24:24+00:00 |
| Observed result | Amaze transactions in October did not count towards the S$500 spend meter for UOB One bonus interest. |
| Public/official layer | UOB updated its T&Cs to exclude Amaze transactions from qualifying spend for the UOB One Account. |
| Caveat | Effective from 1 October 2024. |
FairPrice (exception, user verified, risk: medium)¶
User reported that if a UOB One card transaction (e.g., at FairPrice) fails to post within the calendar month to count towards the UOB One Account interest criteria, users can appeal through their wealth manager to have it sorted.
| Field | Value |
|---|---|
| Status | context-dependent |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | FairPrice |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | interest |
| Devaluation risk | low |
| Last verified | 2024-11-03 |
| Last seen | 2024-11-03T03:58:25+00:00 |
| Observed result | Wealth managers can manually assist in resolving or appealing missed interest due to late posting. |
| Public/official layer | Transactions must post within the calendar month to count towards the minimum spend requirement. |
| Caveat | Requires contacting a wealth manager; success may depend on customer tier or relationship manager discretion. |
Claim 17815 (user verified, risk: low)¶
UOB One Account credit card spend requirements are tracked by the transaction's posted date, not the transaction date, meaning late-month transactions may not count for that month's interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | FairPrice |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-03 |
| Last seen | 2024-11-03T03:54:51+00:00 |
| Observed result | A transaction made on Oct 29 did not post in time to count towards October's requirements |
| Public/official layer | Card transactions must be posted within the calendar month to qualify for UOB One Account bonus interest |
| Caveat | It is advised to complete the spending requirements a few days before the end of the month to account for settlement lag |
Claim 18343 (user verified, risk: low)¶
The UOB One Account minimum monthly spend of $500 can be combined across multiple eligible UOB cards (such as UOB One Card and UOB Lady's Card) rather than being restricted to a single card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T00:54:19+00:00 |
| Observed result | Spend is successfully combined across multiple eligible UOB cards to meet the S$500 threshold. |
| Public/official layer | Spend a minimum of S$500 monthly on an eligible UOB Card. |
| Caveat | Cards used must be eligible to pool towards the UOB One Account spend criteria. |
Claim 18340 (user verified, risk: low)¶
The UOB One Account S$500 minimum monthly spend requirement can be met by combining transactions across multiple eligible UOB cards, such as the UOB One Card and UOB Lady's Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T00:54:19+00:00 |
| Observed result | Spend combined across UOB One Card and Lady's Card successfully counts towards the S$500 criteria. |
| Public/official layer | Eligible card spend can be accumulated across UOB One Card and/or UOB Lady's Card. |
| Caveat | Cards must be eligible and linked to the same primary account holder. |
Claim 18337 (user verified, risk: low)¶
The minimum $500 spend criteria for the UOB One Account interest can be combined across multiple eligible UOB cards, such as the UOB One Card and UOB Lady's Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T00:54:19+00:00 |
| Observed result | Users confirmed spend can be split across UOB One Card and Lady's Card |
| Public/official layer | Eligible card spend across multiple UOB cards can be aggregated to meet the minimum spend requirement |
| Caveat | Cards must be eligible UOB cards linked to the UOB One Account spend criteria |
Claim 18328 (user verified, risk: low)¶
The UOB One Account $500 minimum monthly spend requirement can be met by combining transactions across multiple eligible UOB cards, such as the UOB One Card and UOB Lady's Card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T00:54:19+00:00 |
| Observed result | Confirmed by users that spend can be split across multiple cards (e.g. UOB One + Lady's). |
| Public/official layer | Spend can be accumulated across eligible UOB credit cards. |
| Caveat | Cards must be eligible UOB cards linked to the same cardholder's One Account. |
Claim 18322 (user verified, risk: low)¶
The UOB One Account $500 minimum monthly spend requirement to unlock bonus interest can be met by combining spend across multiple eligible UOB cards (e.g., UOB One Card and UOB Lady's Card).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T00:54:19+00:00 |
| Observed result | Confirmed by users that spend is combined across multiple cards. |
| Public/official layer | Spend can be accumulated across eligible UOB credit cards. |
| Caveat | Cards must be eligible UOB cards linked to the UOB One Account spend criteria. |
Claim 18308 (user verified, risk: low)¶
The minimum S$500 monthly spend requirement to earn bonus interest on the UOB One Account can be accumulated and combined across multiple eligible UOB credit cards.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T00:54:19+00:00 |
| Observed result | Confirmed by users that spend can be split across multiple cards (e.g., S$200 on UOB One + S$300 on Lady's Card). |
| Public/official layer | Eligible card spend can be combined across multiple UOB cards to meet the S$500 minimum spend. |
| Caveat | Must be eligible UOB cards (e.g., UOB One Card and UOB Lady's Card) linked to the same primary account holder. |
Claim 18281 (user verified, risk: medium)¶
UOB does not post credit card transactions on public holidays. To safely meet UOB One account monthly spend requirements, transactions should be completed by the 26th or 27th of the month.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T04:50:35+00:00 |
| Observed result | Transactions do not post on public holidays, causing users to miss interest if they spend too late in the month. |
| Caveat | Transactions made on the last day of the month or public holidays are highly unlikely to post in time to count for that month's interest. |
Insurance (exception, user verified, risk: low)¶
User reported that insurance premium payments made on the UOB Lady's Card count towards the S$500 minimum spend requirement for the UOB One Account bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Insurance |
| Card | UOB Lady's Card |
| MCC | Insurance |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T01:36:13+00:00 |
| Observed result | Counted towards UOB One Account card spend for bonus interest |
| Caveat | Applies to UOB One Account minimum spend, not necessarily standard card rewards |
Merchant (exception, user verified, risk: low)¶
User reported that insurance premium payments (including recurring payments) charged to the UOB Lady's Card count towards the $500 minimum spend required to unlock bonus interest on the UOB One Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB Lady's Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | interest |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T01:36:13+00:00 |
| Observed result | Users confirmed recurring insurance premiums charged to UOB Lady's Card successfully count towards the $500 One Account spend. |
| Public/official layer | Eligible card spend for UOB One Account includes transactions on UOB Lady's Card, even if those categories are excluded from standard card rewards. |
| Caveat | While it counts for the UOB One Account spend, insurance transactions typically do not earn UNI$ rewards. |
Insurance (exception, user verified, risk: low)¶
User reported that insurance premium payments made with the UOB Lady's Card count towards the UOB One Account's $500 monthly spend requirement for bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Insurance |
| Card | UOB Lady's Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T01:36:13+00:00 |
| Observed result | Insurance counts to UOB One account card spend for bonus interest; recurring insurance premium to Lady's is counted |
| Caveat | Applies specifically to the UOB One Account card spend requirement |
Merchant: MCC 6300 (exception, user verified, risk: low)¶
User reported that insurance payments charged to the UOB One Card do not earn cashback, but they successfully count towards the $500 minimum monthly spend required to unlock bonus interest on the UOB One savings account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | UOB One Card |
| MCC | 6300 |
| Programme | UOB One |
| Programme type | bank_transfer |
| Points currency | Cashback |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T14:04:17+00:00 |
| Observed result | Insurance spend successfully counts towards the $500 monthly spend requirement for the savings account. |
| Public/official layer | Insurance transactions are excluded from cashback but qualify as eligible spend for the UOB One Account bonus interest. |
| Caveat | Insurance transactions are strictly excluded from earning cashback on the UOB One Card. |
Insurance (exception, user verified, risk: low)¶
User reported that insurance payments charged to the UOB One Card do not earn cashback, but they do count towards the minimum spend requirement to unlock bonus interest on the UOB One Savings Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Insurance |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T14:04:17+00:00 |
| Observed result | Clocks as credit card spending for UOB One account interest |
| Public/official layer | Insurance transactions are excluded from cashback but qualify as eligible spend for the UOB One Account |
| Caveat | No cashback is awarded on the insurance transaction itself |
insurance (exception, user verified, risk: low)¶
User reported that insurance payments charged to the UOB One Card do not earn cashback, but they do count towards the $500 minimum spend required to unlock bonus interest on the UOB One Savings Account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | insurance |
| Card | UOB One Card |
| Programme | UOB One |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T14:04:17+00:00 |
| Observed result | Clocks as credit card spending for UOB One account interest but earns no cashback. |
| Public/official layer | Insurance is typically excluded from cashback but may count towards UOB One account spend depending on T&Cs. |
| Caveat | No cashback is awarded on the insurance transaction itself. |