UOB One Card Just Got a Lot Better – 8.33 to 10% Cashback on Groceries
Thanks to ZM from the Telegram group for pointing this out!
Update: as quietly as it appeared, the new category has now disappeared from the terms and conditions. It is now back, officially.
UOB One just got a really good buff in the form of an additional category for extra 5% cash rebate which includes familiar names like Giant, 7-Eleven, Cold Storage, Guardian, Jasons and Market Place.
This change was quietly added to UOB One’s terms and conditions, and as of writing the official website isn’t even updated yet.
UOB One gives 3.33% cashback if you spend $500 or $1,000 per month consistently for three months. An additional cash rebate of 5% means you will be getting 8.33%. This slightly edges out Maybank Family and Friends’ 8% when it comes to groceries.
The rebate gets even better if you can hit $2,000 per month, and you will get the quarterly cashback rate of 5% plus additional 5% cash rebate making 10%.
Of course, UOB One is more conditional than Maybank FnF because you need to maintain a minimum spending for at least 3 months. Maybank FnF, on the other hand, merely requires a minimum spending of $800 to reach 8% of cashback, and you can spend at any major supermarket including perennially popular NTUC FairPrice. It also includes other categories like telco bills and food deliveries, so FnF remains a very relevant and versatile high cashback card.
Personally, I think this is still a much welcomed improvement since I usually am able to clock about $1,800 per month on my UOB One card via ipaymy, and would have to find $200 worth of expenses to hit the $2,000 tier. I don’t spend that much on Grab (currently the only other merchant to get additional 5% aside from UOB Travel) but groceries would quite easily meet $200 every month.
It also includes 7-11 and Guardian, both of which are not given 8% by Maybank Family and Friends.
Stocking up on groceries for Circuit Breaker? Pick between two excellent cashback choices here:
Maybank Family & Friends
High 8% cashback on 5 of your chosen categories like groceries, telco, and more! Read the review here
New Cardholders
Receive a light weight (3.3kg), expandable and matte scratch-resistant Samsonite RESTACKD Spinner 68/25 EXP (worth S$520) with 2 complimentary packing cubes when you apply for a new Maybank Credit Card (not applicable for Maybank XL Credit Cards) and charge a minimum of S$1,300 within the first two months of card approval.
⚠️ Important Steps
- Apply for the card with link provided (you may need to turn off content blockers)
- Make S$1,300 in qualifying spend in the first 2 months from card approval
- Maybank will send an SMS about a week after conditions are met
For reference only; refer to exact details in terms and conditions
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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