UOB EVOL cashback rate, cap and annual fee
UOB EVOL pays 10% at local online spend — on the first SGD 300 you spend on it each month, which is where the SGD 30 cap stops it. Nothing at all below SGD 800 of spending a month — SGD 9,600 across a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
UOB · Singapore · catalogue v117
Read from UOB's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| local online spendonline and delivery | 10.00% | SGD 30reached at SGD 300 of spend10% on local online spend. S$30 a month, shared with mobile contactless. Needs S$800 of spend in the statement month. |
| mobile contactless in Singaporeeverything else | 10.00% | SGD 30reached at SGD 300 of spend10% on in-store Apple Pay, Samsung Pay and Google Pay in Singapore. Shares the S$30 with online. Needs S$800 of spend in the statement month. |
| selected telcosphone and internet | 10.00% | SGD 20reached at SGD 200 of spend10% at selected Singapore telcos. S$20 a month shared with gyms and streaming. Needs S$800 of spend in the statement month. |
| selected streamingentertainment | 10.00% | SGD 20reached at SGD 200 of spend10% at selected streaming services. Shares the S$20. Needs S$800 of spend in the statement month. |
| selected gymseverything else | 10.00% | SGD 20reached at SGD 200 of spend10% at selected gyms. Shares the S$20. Needs S$800 of spend in the statement month. |
| foreign currency abroad (to 2027)travel | 1.00% | —1% bonus on overseas foreign-currency spend outside China, Europe and Australia, no minimum and no cap, 16 Mar 2026 to 31 Dec 2027. |
| foreign currency in China, Europe, Australiatravel | 0.50% | —0.5% on foreign-currency spend in China and Europe, and in Australia from 1 Jan 2027, to 31 Dec 2027. |
| everything else | 0.30% | SGD 30reached at SGD 10,000 of spend0.3% on all other spend, S$30 a month; 0.3% on everything in a month under S$800. |
| Shell and SPC | None | —Shell and SPC stations earn nothing. |
Questions people ask
What cashback does the UOB EVOL pay?
10% at local online spend, and 7 other rates.
Is there a cap on the UOB EVOL?
Yes — SGD 80 a month across the whole card, however you split your spending.
What is the annual fee on the UOB EVOL?
No annual fee.
Is there a minimum spend on the UOB EVOL?
Yes — SGD 800 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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