For comparison purposes only. Final terms are determined by the issuing bank.
Review
A practical 10% cashback card with tight category caps
The UOB One Visa is still a practical cashback card for everyday spending. Its 10% categories are not obscure: Petrol, Dining, Groceries and Grab are all common monthly expenses. If you can put enough of your normal spending into these categories, the card can work well.
The main condition is the RM1,500 minimum monthly spend. If you meet it, you get 10% cashback in the four bonus categories. If you do not, the cashback drops to 0.2%. That makes the card useful for people who can consistently hit the monthly spend target, but weak for occasional use.
Each bonus category is capped at RM15 per month. That means you only need about RM150 spending per category to max out the 10% cashback. If you use all four categories well, the total cashback cap is RM60 per month. The card works best when your spending is spread across petrol, dining, groceries and Grab, rather than concentrated in one category.
The Grab category gives the card extra everyday use. It can cover Grab Rides, GrabFood and GrabMart. GrabPay reloads may also be treated as Grab transactions, depending on merchant coding. However, GrabPay reloads usually come with a 1% credit card reload fee, and this treatment can change. Treat it as a useful bonus, not something to rely on blindly.
The main gap is online spending. This is not really an online cashback card. Grab can cover some digital and offline use cases, especially if you already use Grab often, but general e-commerce spending is not the card's strength.
The minimum income requirement is RM36,000 per year. The annual fee is RM195, with a supplementary card fee of RM100. Based on the current fee schedule, the annual fee can be waived with at least RM20,000 annual spend.
One practical drawback is digital wallet support. The card does not support Apple Pay, Google Pay or Samsung Pay. For a card that is mainly used for offline spending, that is a meaningful downside. You will likely need to use the physical card for most eligible transactions.
Verdict: The UOB One Visa is a good fit if your monthly spending naturally includes petrol, dining, groceries and Grab, and you can reliably hit the RM1,500 monthly spend requirement. The 10% rate is attractive, but the RM15 cap per category keeps the upside controlled. Since the older UOB One Classic is no longer open for new applications, this card remains the more relevant option for users who still want UOB's 10% everyday cashback structure.
Pros
- 10% cashback on practical everyday categories
- Covers petrol, dining, groceries and Grab
- Grab category can be useful for rides, food delivery and GrabMart
- Maximum cashback of RM60 per month if all categories are used well
- Lower income requirement of RM36,000 per year
Cons
- Requires RM1,500 monthly spend to unlock the 10% cashback rate
- Each bonus category is capped at RM15 per month
- Does not support Apple Pay, Google Pay or Samsung Pay
- Cashback drops to 0.2% if the monthly spend requirement is not met
- Not strong for general online spending
Cashback
| Category | Below RM1,500Total monthly spend | RM1,500+Total monthly spend | Cap |
|---|---|---|---|
Petrol | 0.2% | 10% | RM15 |
Dining | 0.2% | 10% | RM15 |
Groceries | 0.2% | 10% | RM15 |
Grab | 0.2% | 10% | RM15 |
Other Retail | 0.2% | 0.2% | Uncapped |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
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