AI Search Intelligence Report
UOB
Card Rewards & Loyalty Programs Market - Singapore
November 2025 | Powered by GeoVector.ai

Executive Summary

Market Leader on Gemini, Strong Multi-Platform Presence

UOB holds 37.5% brand share on Gemini, 28.9% on Claude, and 21.3% on ChatGPT, with 614 total mentions across all platforms. The bank shows exceptional Research-stage performance on Gemini at 41.6%, demonstrating strong positioning when customers evaluate card rewards options. UOB's ChatGPT Decision-stage share of 25.4% indicates solid performance when customers are ready to apply. However, facing intense competition from DBS (39.4% on Gemini, leading overall) and HSBC's strong ChatGPT presence (26.6%), UOB must defend its Gemini #2 position while accelerating ChatGPT Discovery presence (18.2%, weakest stage) where DBS (30.8%) and HSBC (30.7%) dominate early awareness.

Market Overview

7
Companies
160
Curated Prompts
4,613
Total AI Mentions
614
UOB Mentions

Platform Performance Overview

ChatGPT
Brand Share 21.3%
Mentions 123
vs. Average 1.1x higher
Gemini
Brand Share 37.5%
Mentions 302
vs. Average 2.4x higher
Claude
Brand Share 28.9%
Mentions 189
vs. Average 1.9x higher

Competitive Landscape - ChatGPT

Rank Company Brand Share Mentions
1 HSBC
26.6%
201
2 DBS
26.5%
266
3 UOB
21.3%
123
4 OCBC
18.6%
124
5 Maybank
6.5%
52

Customer Journey Performance

UOB demonstrates strongest performance in the Research stage on Gemini (41.6%) where potential customers evaluate card rewards programs. The bank shows powerful Decision-stage performance on ChatGPT (25.4%) and maintains consistent Claude presence across all stages (27.0-31.2%). However, ChatGPT Discovery stage (18.2%) represents UOB's weakest position—trailing DBS (30.8%) and HSBC (30.7%)—missing critical top-of-funnel opportunities when customers first explore card rewards concepts.

Journey Stage Breakdown by Platform

🔍 Discovery Stage

26.6%
Average Across Platforms
ChatGPT 18.2%
Gemini 34.6%
Claude 27.0%

📚 Research Stage

30.6%
Average Across Platforms
ChatGPT 21.5%
Gemini 41.6%
Claude 28.7%

✅ Decision Stage

30.8%
Average Across Platforms
ChatGPT 25.4%
Gemini 35.8%
Claude 31.2%

Key Performance Insights

🎯

Gemini Research Leadership

UOB's 41.6% Research-stage share on Gemini positions the bank as the authority when customers evaluate card options—outpacing all competitors including DBS (36.8%).

⚠️

ChatGPT Discovery Gap Critical

18.2% ChatGPT Discovery share trails DBS (30.8%) and HSBC (30.7%). UOB risks invisibility when customers first explore card rewards—losing the battle before evaluation begins.

📈

ChatGPT Decision Strength

25.4% Decision-stage share on ChatGPT demonstrates solid performance when customers are ready to apply, maintaining competitive presence despite #3 overall ranking on the platform.

💡

Gemini Competitive Position

DBS leads Gemini at 39.4% (UOB: 37.5%)—just 1.9 percentage points ahead. UOB's #2 position is strong but defending against DBS's scale and HSBC's presence requires sustained focus.

Strategic Recommendations

⚠️ Critical Gap Alert

While UOB shows strong Gemini Research performance (41.6%) and ChatGPT Decision presence (25.4%), three critical vulnerabilities threaten competitive position:

  • DBS leads Gemini at 39.4% vs UOB's 37.5%—defending #2 position critical as gap is narrow
  • HSBC strong on ChatGPT with 26.6%, leading the platform ahead of DBS and UOB
  • ChatGPT Discovery weakness at 18.2% compared to DBS (30.8%) and HSBC (30.7%)
  • Strong Claude #1 position (28.9%) and Gemini Research dominance (41.6%) provide foundation to defend and expand

Priority Actions

Priority Action Target Outcome Key Tactics
Critical Close ChatGPT Discovery gap 18.2% → 25%+ share Create foundational content for 15+ zero-visibility prompts
Critical Close 1.9pp gap with DBS on Gemini 37.5% → 39%+ share Target DBS-dominated prompts in Research stage
High Expand Gemini Research dominance 41.6% → 45%+ share Deepen content on card comparison queries
High Capture ChatGPT share from HSBC 21.3% → 24%+ share Target HSBC-exclusive prompts in Discovery/Research
Medium Improve ChatGPT conversion rate 25.4% → 30%+ Decision share Optimize application-focused content
Medium Recapture Claude market position Close 1.8pp gap with DBS Counter DBS's +4.3% growth momentum

Content Strategy & Quick Wins

Content Strategy Framework

📝

Discovery Content Priority

Create foundational content for general card rewards queries—"how credit cards earn points," "understanding rewards programs," "cashback vs points comparison"—to capture ChatGPT Discovery traffic (currently 18.2%, weakest stage).

🎯

Research Stage Authority

Leverage 41.6% Gemini Research dominance by creating comprehensive card comparison guides, detailed reward program analysis, and category-specific earning strategies.

📈

Platform-Specific Optimization

Focus 50% of efforts on Gemini defense (maintain #2), 35% on ChatGPT growth (close Discovery gap, counter HSBC leadership at 26.6%), 15% on Claude leadership (sustain #1 at 28.9%).

💡

Competitive Differentiation

Counter DBS's Gemini lead (39.4%) and HSBC's ChatGPT strength (26.6%) by emphasizing UOB's unique card benefits, premium rewards, miles programs, and lifestyle privileges in AI-optimized content.

Discovery & Research Stage Target Prompts (sample)

These prompts represent a sample of critical Discovery and Research opportunities where UOB has low or zero visibility. Targeting these prompts can capture potential customers at the earliest stage of their card rewards search, particularly on ChatGPT where Discovery performance needs improvement.

Stage Prompt Current UOB Leader Share Leader
Discovery How do credit cards allow me to earn points on everyday spending? 0% 100% HSBC
Discovery What are monthly caps on points earning in Singapore? 0% 37.9% HSBC
Discovery Can I transfer my points to airline programs in Singapore? 0% 66.4% DBS
Research What's more valuable - points that never expire or higher earn rates with expiry? 0% 100% HSBC
Research How do debit card rewards compare to entry-level credit card points? 0% 100% DBS
Research What's better value - high points earn rate with caps or unlimited lower rates? 0% 35.6% HSBC
Research Which provides better value - banking platform purchases or air miles conversion? 0% 100% HSBC
Research How do dining rewards compare between cashback and points cards? 0% 58.2% HSBC
Research Which card type maximizes rewards for grocery spending in Singapore? 0% 37.3% HSBC