Credit cards no doubt have become an integral part of modern living. There is no denying that credit cards have revolutionized the way we can make purchases – from offering rewards to allowing making purchases on EMIs (Easy Monthly Installments). However, there are times when a particular shopping experience or a transaction can go haywire, and you might feel cheated and helpless. That is where the ‘charge-back’ feature for a credit card can come in handy.

In credit card terms, the word ‘dispute’ refers to rectifying an unfair situation, which means gone are the days when fraudsters or scammers could make unauthorized transactions on your behalf, without any repercussions. This security is even extended for online retailers or merchants who deliver deceitful or faulty goods. By disputing a particular transaction and providing supporting evidence, banks can easily reverse the transaction, ultimately allowing you to get your hard-earned money back. But, keep in mind that the process is not straightforward, which is why our detailed guide on how you can proceed with the situation, especially for United Overseas Bank (UOB), can prove to be immensely insightful.

Steps to Dispute Card via Phone

United Overseas Bank provides only a single way to dispute a credit card transaction and that is by contacting the bank’s customer support via phone. To start the dispute process right away, be sure to follow the steps provided below.

  1. Begin the credit card transaction dispute process by contacting the United Overseas Bank Contact Center via phone at 1800 222 2121 or +65 6222 2121 (when calling from overseas).
  2. Navigate through the IVR (Interactive Voice Response) options and proceed to speak to a customer care executive.
  3. Once a customer care representative connects with your call, provide your customer ID for verification. After verification, state the transaction number of the online transaction that you are planning to dispute.
  4. After stating the transaction number, let your reason known to the customer care representative as to why you are contesting the same.
  5. Once done, your dispute will be registered successfully. Now all you have to do is wait for a follow-up message on your email address from the bank’s customer support.

In addition to the above-mentioned process, if you want to freeze your credit card in case of unauthorized transactions, especially for security reasons, then you can easily do so by contacting the aforementioned customer care support phone number or via the 24×7 fraud hotline at +65 6255 0160.

Alternatively, you can also decide to block your credit card via the UOB TMRW app on your smartphone – available on the Google Play Store and the Apple App Store. Once downloaded, launch the app and sign in to your account. Then select the credit card you want to block and from ‘Settings’ choose ‘Fraud/Lost’.

Ways to Register a Complaint

If you are looking to register a complaint online, you can do so by filling out the online ‘Complaint’ form here. Additionally, you can also provide any constructive feedback using the official ‘Feedback’ form here as well.

Lastly, if you want to register your complaint physically, then you can visit a nearby United Overseas Bank branch. To find one nearest to you, click here.

Overview of Products

To suit the different needs and lifestyles of each customer, United Overseas Bank offers a variety of credit cards that one can apply to. However, remember that the eligibility requirements and yearly charges for each type of credit card will vary based on the kind of benefits you will gain, so make sure you make a proper decision in choosing one.

Presently, UOB offers four different types of credit cards and they are categorized into: travel, rewards, cashback, and business. Starting with travel cards – these cards offer benefits for frequent travelers – such as airport lounge access, free travel insurance, miles accrual, etc. For instance, the ‘UOB PRVI Miles World Mastercard’ offers 1.4 miles for every Singaporean Dollar you spend locally and 2.4 miles on overseas spend.

Then comes the reward-based credit cards that offer benefits for everyday spending. The benefits include points, cashback, and discounts. For example, the ‘UOB Preferred Platinum Visa Card’ offers 10 points for every 5 Singaporean Dollars spent via contactless mobile solutions, online shopping, and entertainment. On the other hand, the ‘UOB Lady’s Credit Card,’ which is another reward-based credit card, offers free e-commerce protection for online purchases up to 200 Singaporean Dollars.

Talking about cashback cards – you can achieve cashback on all your spends – typically at the rate of 1 to 25 per cent. For instance, the ‘UOB One Credit Card’ provides 15 per cent cashback on daily spending at Shopee (a Singapore-based online shopping website) and McDonald’s. This credit card also offers cashback on paying power utility bills at the rate of 4.33 per cent, and cashback on retail spending at the rate of 3.33 per cent. Also, you get fuel savings up to 22 per cent at Shell and SPC (Singapore Petroleum Company) units.

Lastly, there are UOB privilege cards, which are usually created for corporate or business employees. As a result, the type of benefits you get to enjoy are quite off the charts. For example, the ‘UOB Lady’s Solitaire Card’ offers complimentary travel insurance coverage up to $100,000. The same goes for the ‘UOB Visa Infinite Metal Card,’ with which you can enjoy complimentary gift vouchers and discounts at fine dining restaurants.

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Finance Guide,

Last Update: March 20, 2024