UOB One Debit Card: Get up to 8% Cashback Without a Credit Card!
Starting out one’s career can be a pretty difficult time. When I finally finished my schooling years and National Service many, many years ago, I found myself in this awkward situation where I had to earn my keep, but couldn’t get enough income to qualify for credit cards. While my friends discussed the best ways to get cashback on their credit cards, I couldn’t earn rewards at all, having to stick with debit cards with little to no rewards. I felt that it was such an unfair scenario to be in — people who earned more income could qualify for cards that gave them more rewards while someone like me who had unstable and lower income had to settle for little to no cashback on our spending.
UOB One Debit Card would have been an excellent card to have when I just started working. With up to 4% cashback and a sign-up bonus that doubles the cashback to a staggering up to 8% cashback, this debit card can rival quite a few credit cards when it comes to rewards, all without requiring any income requirement.
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Get up to 4% Cashback with UOB One Debit Card
The newly enhanced UOB One Debit Card can give up to 4% cashback on common areas of spend, making it one of the most generous debit cards around. On top of that, the revamp has introduced a lower S$300 spend tier for those who spend less, as well as a higher S$600 spend tier for cardholders to get more cashback if they do spend more.
Here are the different tiers available:
| Monthly Spend Amount | Cashback |
|---|---|
| S$300 | 2% cashback on Grab, SimplyGo, McDonald’s, Shopee 1% cashback on Mobile Payments 🆕 (such as Apple Pay, Google Pay and Samsung Pay) , Singtel and GOMO recurring bills, Singapore Power utility bills 🆕 |
| S$600 | 4% cashback on Grab, SimplyGo, McDonald’s, Shopee 1% cashback on Mobile Payments 🆕 (such as Apple Pay, Google Pay and Samsung Pay), Singtel and GOMO recurring bills, Singapore Power utility bills 🆕 |
Cardholders just need to spend S$300 each month to unlock a 2% cashback on common areas of spend like Grab, SimplyGo, McDonald’s and Shopee. If the spend amount reaches S$600, the cashback doubles to 4% for these categories.
On top of those categories, UOB One Debit Card will also offer 1% cashback on Singtel, GOMO recurring bills, Singapore Power utility bills and just about anywhere you can make mobile contactless payments at! This is whether you are buying groceries, clothes, or the new Nintendo Switch — as long as you add the UOB One Debit Card to your phone and pay via Apple Pay, Google Pay, or Samsung Pay.
The monthly cashback cap is S$30 which is quite high for a debit card especially when compared to offerings from other local banks. For 4% cashback rate, this is good for as much as S$750 of spend!
So, if you are looking for a Debit Card, look no further. Apply for the UOB One Debit Card now and enjoy up to 8% cashback here. Terms and conditions apply.
UOB One Debit
1% cashback on Mobile Payments (e.g. Apple Pay, Google Pay etc.), Singtel and GOMO recurring bills and Singapore Power utility bills and up to 4% on Grab, SimplyGo, McDonald’s, Shopee
🎁 New Debit Cardholders
Earn up to 8% cashback¹ with UOB One Debit Mastercard!
Apply and enjoy 2X cashback for the first 3 months when you spend at least S$600 monthly—starting from the month after your card is approved.
Plus, get up to S$260 cash credit² when you apply for UOB One Debit Card & UOB One Account!
For reference only; refer to exact details in terms and conditions
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Higher cashback and more interest for one’s savings account need not be exclusive to credit cards. Whether you are a first jobber, free-lancer, student, or someone who just prefers debit cards, UOB One Debit Card lets you enjoy some perks.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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