Credit Card Compare

UOB EVOL Card

Data last updated 25 October 2026
27.80%
Purchase rate
S$0
Annual fee
Not published
Interest-free

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Application

CardIQ

54Fair

Fair

Overall score, out of 100 · How this works

  • Cashback80
  • No annual fee55
  • Rewards25
  • Travel55

Customer reviews

No reviews yet. Be the first to review the UOB EVOL Card.

Pros & cons

What's good

  • The 27.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 27.85% p.a.).
  • No annual fee.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • No annual fee from 1 July 2026 (waived without minimum spend for both principal and supplementary cards). Previously first year waived, S$196.20 (inclusive of GST) from year 2, waivable with min. 3 transactions/month for 12 consecutive months before anniversary. No GST added on top as amount stated is inclusive of GST.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
S$0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Singapore
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
28.50% p.a.
Purchases
27.80% p.a.

Fees

Additional cardholder fee
S$0
Annual fee
No annual fee
Cash advance fee
8% of the amount
Foreign transaction fee
0%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Not published
Minimum repayment
3% of current balance or S$50-00, whichever is higher, plus any overdue amounts.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
S$80 per month
Ongoing cashback
10% on eligible spend

10% on local online, mobile contactless, selected gym, telco and streaming spend (min. S$800/month); 0.3% on all other eligible spend (cap S$30/month). Up to 1% on overseas FX spend (no cap, no min spend, till 31 Dec 2027). Overall local cashback cap S$80/statement month.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeS$0Tied for best (1st of 38 cards)
Overseas feeNo feeTied for best (1st of 38 cards)
Purchase rate27.80%Top 10% (3rd of 38 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

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Compare the UOB EVOL Card against every other card in its category.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
UOB