UOB One Card

UOB One Card leads with up to 3.33% cashback on insurance, 1.7% on utilities, and 1% on shopping—2.33 percentage points higher than Standard Chartered's flat 1% rate. 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.