UOB TMRW: Get transaction-level credit card rewards points breakdowns

For the longest time, I’ve complained how difficult it is to track credit card points in Singapore. Most banks just provide a summarised figure each month, and you have to take it on faith that it’s correct (or develop really elaborate spreadsheets to check).

Others give slightly more detail, but there’s still limitations- Citibank, for example, will show a breakdown of how many points you earned each day, but there could be several transactions lumped into that figure, making it hard to track which transaction earned what. 

Now here’s an exciting development: the UOB TMRW app.

Yes, it’s a completely silly name, like someone developed a sudden fear of vowels. But you know what? I don’t care. They could call it the “biased-traversed-and-mosaicked-factual-matrix-app” and so long as it gave me this kind of functionality, I’d give it 5-Stars every day of the week.

UOB TMRW shows transaction-level points breakdowns

If you haven’t already done so, download the UOB TMRW app and sign in to your online banking. Tap Rewards+ ➤ My Rewards ➤ UNI$

That’s it. You’ll see a breakdown under the UNI$ history section (tap “view all” to see more), for the past three months. You can’t go further back than three months, but chances are that if you need older information, you aren’t very diligent about tracking your points anyway. 

Now, this isn’t broken down on a card level, but it shouldn’t be too hard to spot what’s what. As you can see, my bonus 9X is clearly labelled “Pref Plat Visa Bonus 9X UNI$”.

Thanks to this feature, I can also confirm that you can tap your UOB Preferred Platinum Visa (well, the digitised version on your phone at least) at private clinics- they’ll quality for base and bonus points.

I checked out the Milelioness’ app as well (she has a UOB Lady’s Solitaire), and here’s how it appeared.

There’s an important difference to highlight. For the UOB Lady’s Card & Lady’s Solitaire Card, you will see a consolidated bonus figure each month, rather than a transaction-level breakdown. That’s because of how UOB’s points crediting mechanism works. 

Card	Bonus
UOB Preferred Platinum Visa	9X posts along with base points
UOB Lady’s Card/ Lady’s Solitaire	9X posts next calendar month
UOB Visa Signature	9X posts next calendar month

With the UOB Preferred Platinum Visa, bonus points (9x) post along with base points (1X). That’s why you see each 9X credit tied to a specific merchant. 

With the UOB Lady’s Card/Lady’s Solitaire, bonus points (9x) are batched and posted the following calendar month. That’s why there’s a single credit at the beginning of the month, e.g. UOB Ladys Card UNI$- Dining and UOB Ladys Card UNI$- Family (the Milelioness’ two bonus categories on her Solitaire card). This represents the total bonus points you earned from all eligible transactions during a month. 

The same goes for the UOB Visa Signature, by the way. UOB credits the bonus 9X the following month, so you only get one consolidated figure. 

It does mean it’s trickier to track which transactions did and did not earn 9X with the UOB Lady’s Card and UOB Visa Signature, because all you have is a single figure which you’ll need to break down via guess and check. 

Also note that UOB will show UNI$ deductions for annual fee payment, but not a subsequent reversal if you call in and get it waived (your total balance will be correct though). Don’t ask me why, it might be a system limitation. 

So UOB TMRW isn’t perfect, but at least it allows UOB Preferred Platinum Visa cardholders to get a quick and simple answer to “does merchant X earn 10X?”

Conclusion

UOB cardholders can now view their points statements in the TRMW app, and for UOB Preferred Platinum Visa cardholders, both base and bonus points are displayed on a transaction level.

This is a big step forward in rewards transparency, and full credit to UOB for being the first bank to implement it. Let’s hope other Singapore banks have similar upgrades planned.