UOB Reserve Card
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UOB Reserve Card Review (2024)

Welcome to an extensive examination of the UOB Reserve Card review, a pinnacle of prestige in the realm of high-end credit cards. In this comprehensive review, we’ll delve deep into every aspect of this exclusive offering from United Overseas Bank (UOB). From its eligibility criteria to its myriad benefits, we aim to provide a thorough understanding of what the UOB Reserve Card truly offers to discerning individuals seeking unparalleled luxury and privilege in their financial dealings.

UOB Reserve Card

Eligibility and Invitation:

The UOB Reserve Card isn’t just another credit card one can apply for; it’s an invitation-only affair extended to individuals of exceptional financial standing. To even be considered for this elite card, one must meet a minimum income requirement of S$500,000 per annum. However, exclusivity doesn’t stop there; existing UOB Privilege Reserve or UOB Private Banking clients with substantial assets under management may receive invitations without strictly meeting the income threshold.

Annual Fee and Membership Structure:

Once deemed worthy of wielding the UOB Reserve Card, cardholders are greeted with a hefty annual fee of S$3,888, reflective of the exclusivity and premium services associated with the card. Supplementary cards come at a considerable cost as well, with the first supplementary metal card provided complimentary and subsequent ones incurring an annual fee of S$648 each. Plastic supplementary cards follow a similar pattern, with the first two being complimentary and subsequent ones costing S$378 annually.

Earning Potential and Rewards:

One of the most appealing aspects of the UOB Reserve Card is its impressive earning potential, especially for those who frequent luxury establishments. Cardholders earn 4 UNI$ for every S$5 spent locally and 6 UNI$ for every S$5 spent in foreign currency, translating to an equivalent earn rate of 1.6 miles per dollar for local spending and 2.4 miles per dollar for foreign currency spending. Moreover, additional UNI$ are awarded for local luxury transactions, further enhancing the card’s earning capabilities.

Sign-Up Offer and Welcome Bonus:

While the UOB Reserve Card does offer a sign-up offer, it may not be as enticing as one would expect from a card of this caliber. New cardholders who spend a minimum of S$100,000 within the first three months of approval receive a bonus of 50,000 miles. However, the eligibility criteria for this offer are stringent, with restrictions placed on existing UOB credit cardholders, limiting its appeal to a select group.

Travel Benefits and Privileges:

Cardholders of the UOB Reserve Card are treated to a plethora of travel benefits aimed at enhancing their overall experience. Unlimited Priority Pass membership grants access to airport lounges worldwide, providing a haven of comfort and relaxation amidst the hustle and bustle of travel. Additionally, four complimentary airport limo transfers per year add a touch of luxury to the journey, ensuring a seamless transition from land to air.

Exclusive Perks for UOB Reserve Diamond Cardholders:

For those who attain the coveted UOB Reserve Diamond Card status through substantial spending, a realm of even greater privileges awaits. With benefits such as non-expiring points, additional meet-and-assist services, and an exclusive invitation to the Mandala Club, UOB Reserve Diamond Cardholders are truly at the pinnacle of luxury banking.


In conclusion, the UOB Reserve Card stands as a symbol of opulence and exclusivity in the world of premium credit cards. While its substantial annual fee may deter some, those who can appreciate the array of benefits and privileges it offers will find unparalleled value in wielding this prestigious card. Whether it’s luxury travel, fine dining experiences, or exclusive club memberships, the UOB Reserve Card delivers on its promise of elevating the lifestyle of the elite few.

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