BestCreditCards.sg's Review of UOB Delight Credit Card
|Highlights||Credit Card Feature|
|Things We Like||Earn up to 8% rebates at participating merchants|
|Our Least Favourite||SMART$ expires after 6 months|
|Our Verdict||Great card for those who buy a lot from Cold Storage, Market Place, Jasons, Giant or Guardian|
- Free home delivery at Giant IMM, Parkway, Tampines, VivoCity with S$150 min. spend in a single receipt
- Enjoy 3% SMART$ rebate on all UOB Mighty Pay, Apple Pay, Visa payWave and NETS FlashPay Auto Top-ups for MRT/LRT, public bus, Comfort & CityCab and SMRT taxis, ERP and CEPAS-compliant car park charges with S$400 min. spend per month.
- Get 0.3% SMART$ rebate on all other transactions with no minimum spend required.
- Receive up to 10% SMART$ rebate at over 400 participating outlets in the UOB SMART$ Rebate Programme including BreadTalk, Cathay Cineplexes and many more.
- Enjoy up to 75% off hotel stays worldwide and more attractive travel deals all year round.
- The leading dining programme in Singapore features over 100 buffet specials and thousands of treats islandwide, giving you more than 1,000 dining and entertainment privileges to choose from.
- Enjoy up to 20% petrol savings with UOB Fuel Power.
- Annual Fee
$85.60 waived first year
- Minimum Income
S$30,000 Singaporeans and PRs, S$40,000 Foreigners
- Standard Interest p.a.
UOB Delight Credit Card is a card that lets you earn up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian. On top of that, it also offers a 10% discount off house brands at Cold Storage, Giant and Guardian.
Well, it sure sounds like a card that anyone who loves grocery shopping (or people who have to shop for groceries frequently) would like to use! Nevertheless, keep in mind that this card also lets you earn 0.3% rebate on all your other spending, in addition to rewarding you with UOB SMART$ rebates when you spend at over 400 participating outlets in Singapore.
So is UOB Delight Credit Card the type of card for you? Read on to find out if this card is the one you ought to have stashed in your wallet.
Things We Like About UOB Delight Credit Card
Earn up to 8% rebates for transactions you make at participating merchants. This card could help you earn up to 8% rebates at Cold Storage, Market Place, Jasons, Giant or Guardian. 8% savings is pretty awesome, we think. You get to enjoy savings on your groceries, health and beauty altogether just by shopping at these stores. On a side note, here's how UOB has categorised your rewards according to the two spending tiers established:
The basic rebate tiers
- If you spend $400 minimum per calendar month period at any participating merchants, you will earn 3% cashback on every $1 spent.
- If you spend $800 per calendar month at participating shops, you will earn 8% rebate on every $1 spent.
Online transactions will qualify too, so you don't have to worry about having to make a trip to these stores physically every time. Your rebate will be issued in the form of UOB SMART$. But it won't make much difference, since you can still use these SMART$ for your next purchase at any SMART$ merchant with this card.
Get a 10% discount off house brands at Cold Storage, Giant and Guardian. This is probably the only card that gives you 10% discount off house brands at these stores. With this privilege, you can save even more on your groceries, as well as health and beauty products. Who in Singapore hasn't been to these three major stores to buy things, right?
Get a 3% rebate for all contactless transactions and selected recurring bill. So long as you chalk up at least a total of at least $400 across all your transactions, you'll get to enjoy a 3% rebate on every $1 spent on your Visa payWave and NETS FlashPay Auto Top-up transactions, as well as a 3% rebate on your monthly recurring bills from Singtel, M1, Starhub, Pacnet, Prudential Insurance, United Overseas Insurance, Town Councils and SPH newspapers.
Earn 0.3% rebate on other spending. You will get a standard 0.3% rebate on all your other spending (not at the participating merchants). Keep in mind that all rebates earned with this card will be given in the form of SMART$. 1 SMART$ is equivalent to $1.
Earn extra SMART$ at SMART$ Merchants. You will receive up to 10% SMART$ rebate at over 400 SMART$ Merchants, including BreadTalk, Pasarbella, City Tours, Cathay Cineplexes and Hard Rock Café. In case you're wondering, merchants such as Guardian, Cold Storage, Giant, Jasons, Market Place are included in UOB's list of merchants, too. So even if you don't hit the minimum spend requirement, you know you'll still be earning some rebates at the end of the day. You'll be heartened to know that there's no cap to how many SMART$ you can earn for transactions made at SMART$ Merchants.
Low annual fee. It's not free, but the $85.60 annual fee (waived for the first year) is considered an affordable price compared to most credit cards. And the annual fee for the first supplementary card is free!
Only $30,000 minimum income required per year. You can apply for this credit card if you make $30,000 or more each year, not a very high requirement for annual income. Good news for foreigners! If you make $40,000 or more each year, you can get this card too! If you have lived in Singapore for a while, I'm sure you know this is something you don't see every day, because most credit cards here require at least $60,000 annual income for foreigners.
Our Least Favourite Things About UOB Delight Credit Card
It can be difficult for you to earn the 8% rebate. When you see the words "up to", you already know there's a hidden string attached. To qualify for the 8% rebate, you need to have a consolidated monthly spending of $800. Although $800 may seem like a lot, this could be possible if you charge all (or almost all) of your spending across dining, groceries, shopping, petrol, recurring telco bills to a single card. As long as you charge at least $800 to this card every month, you will get to enjoy the sweet deal on your supermarket shopping.
SMART$ rebate is capped at $50. As much as we hate to say this, know that there's a limit to how much SMART$ you can bag. This figure stands at $50 SMART$ per Cardmember, per statement month, for consolidated rebate earned from Delight Card Merchants, Contactless Transactions, FlashPay ATU, Recurring and Base Tier transactions.
SMART$ is valid for only 6 months. SMART$ will be forfeited if you don't redeem them within 6 months from the date they were issued, or on your card's expiry, whichever is earlier.
How Other Cards Compare With UOB Delight Credit Card
|Regular APR:||25% p.a.|
|Annual Fee:||$85.60 waived first year|
|Intro APR:||Transfer your outstanding balances on any other bank's credit card or credit line to OCBC at 0% nominal interest rate for 3/6/12 months with upfront processing fee starting at 1.80%|
|Regular APR:||26.88% per annum|
|Annual Fee:||$192.60 a year (First 2 years free)|
UOB Delight Credit Card can save you a lot if you tend to shop at Giant, Cold Storage and Guardian.
Similiar to UOB One Card, the rebate programme that comes with UOB Delight Credit Card is a bit confusing at first glance. You will need to understand how the rebate tiers work. And to earn that 8% rebate, you'll also need to meet certain requirements like a consolidated monthly spending of $800.
This is a good card to use when you shop at "the big five" supermarkets and at SMART$ Merchants. You will probably want to reach the $800 spending tier by using this card for other purchases. However, you can earn much higher rebates on other purchases by using The American Express® True Cashback Card, which gives you 1.5% rebate on all your spending.
But if you are a regular at Cold Storage, Market Place, Jasons, Giant or Guardian and buy a lot of things each month for your whole family (it'd better be a big one), this card might just offer you the savings you want.
See more UOB credit cards.