UOB One Card

Its zero annual fee and no minimum annual spend make it an accessible choice for daily expenses, offering 60% more rewards on insurance than the typical 1% average. While AEON Card dominates with 2% at AEON outlets, UOB One covers broader categories without restriction, providing 1.7% on utility payments compared to AEON's 1% general rate. With an average effective return of 2% across targeted spends, it's 30% more rewarding than budget cards, though AEON's in-network loyalty program can boost returns to 1.5% overall for frequent AEON shoppers.