UOB Absolute Cashback Card 详细介绍
现金返还
UOB Absolute Cashback Card 拥有 1.7% 的统一现金返还率, 目前为新加坡最高. 并且对于其它信用卡来说没有奖励的消费类型也有0.3%的现金返还. 例如: 学费, 电子钱包充值, 医药费, 水电, 电话费甚至房租.
另外没有每月最低消费要求和现金返还上限.
- 1.7% – 外币消费 (❌不建议这样做, 因为会有 3.25% foreign transaction fees)
- 1.7% – 新币消费 (除了以下几种)
- 0.3% – Grab mobile wallet top-up
- 0.3% – 以下消费
| MCC | Description |
|---|---|
| 7911 | Schools, Dance Halls and Studios |
| 8211 | Schools, Elementary and Secondary |
| 8220 | Colleges, Universities, Professional Schools and Junior Colleges |
| 8241 | Schools, Correspondence |
| 8244 | Schools, Business and Secretarial |
| 8249 | Schools, Trade and Vocational |
| 8299 | Schools and Educational Services – Not Elsewhere Classified |
| 9311 | Tax Payment |
| 9399 | Government Services – not elsewhere classified |
| 9402 | Postal Services – Government Only |
| 0742 | Pet stores and Veterinary Services |
| 5047 | Medical Equipment and Supplies |
| 5122 | Drug Stores |
| 5912 | Drug Store and Pharmacies (例如: Unity FairPrice, Guardian & Watson’s) 这个是比较普通的消费, 可惜只可以获得 0.3% 而已. |
| 5975 | Medical Equipment, Hearing Aid |
| 8011 | Medical Services, Doctors |
| 8021 | Medical Services, Dentist and Orthodontist |
| 8041 | Medical Services, Chiropractors |
| 8042 | Medical Services, Optometrists and Ophthalmologist |
| 8043 | Medical Services, Opticians |
| 8049 | Medical Services, Chiropractors and Podiatrists |
| 8062 | Hospitals |
| 8071 | Medical Services, Dental Laboratories |
| 8099 | Medical and Health Services |
| 4900 | Utilities |
| 8398 | Organizations, Charitable and Social Service |
| 6513 | Real Estate Agents & Managers – Rentals |
| 7261 | Funeral Services and Crematories |
| 7278 | Shopping Services |
| 7311 | Advertising Services |
| 7361 | Employment Services and Agency |
| 7392 | Consulting and Public Relation Services |
| 8999 | Professional Services |
保险
在 UOB 的网站上提到, 购买保险可以获得 0.3% cashback, 但 T&C 中并未明确说明. 不过, 考虑到 Grab top-up 和 水电费都有 0.3% cashback, 保险因该也是有的. 在使用之前, 可以与 UOB 确认一下.
申请条件和费用
| 年龄要求: | 21岁或以上 |
| 收入要求: | SC/PR: S$30,000 |
| EP/SP: S$40,000或在UOB有S$10,000定期存款 | |
| 年费: | 主卡: S$196.20 (第一年豁免) |
| 附属卡: 第一张永久豁免, 第二张起S$98.10 | |
| 外币转换费: | 3.25% |
| 滞纳金: | S$100 |
| 预支现金费: | 预支额的8%或者S$15以较高者为准 |
没有现金返还的消费类型
每一张信用卡都会有没有奖励的消费类型, 而UOB Absolute Cashback Card是我见过最少的。
| NETS | 分期付款 | 预支现金 |
| 支付利息 | 个人贷款 |
|
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