Review: UOB Preferred Platinum Visa Card

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With 4 mpd on mobile payments and online shopping & entertainment, the UOB Preferred Platinum Visa is absolutely essential for miles collectors.

Here’s The MileLion’s review of the UOB Preferred Platinum Visa, the star of the “Preferred Platinum” family and the easiest way to earn 4 mpd almost everywhere. 

Regardless of what misgivings you may have about UOB — their “first X” sign-up bonuses, S$5 earning blocks, automatic UNI$ deductions, UOB$ merchants and other shenanigans — this card is a must-have for any miles collector.

UOB Preferred Platinum Visa
With 4 mpd on mobile payments and online shopping & entertainment, the UOB Preferred Platinum Visa is absolutely essential for miles collectors.
👍 The good👎 The bad
  • One of the easiest ways to earn 4 mpd almost everywhere
  • No minimum spend required
  • S$5 earning blocks and UOB$ merchants
💳 Full List of Credit Card Reviews

Overview: UOB Preferred Platinum Visa

Let’s start this review by looking at the key features of the UOB Preferred Platinum Visa. 

uob preferred platinum visa cardApply here
Income Req.
Points Validity
2 years
Annual Fee
(First Year Free)

5,000 UNI$
(10,000 miles)

Miles with
Annual Fee
  • SIA
  • Cathay Pacific
FCY Fee3.25%Transfer FeeS$25
Local Earn0.4 mpdPoints Pool?Yes
FCY Earn0.4 mpdLounge Access?No
Special Earn4 mpd on mobile payments, online shopping & entertainmentAirport Limo?No
Cardholder Terms and Conditions

The UOB Preferred Platinum Visa is part of the UOB “Preferred Platinum” series, which includes such luminaries as the Preferred Platinum AMEX (no longer available, sadly), and the Preferred Platinum Mastercard (no longer available, thankfully). 

All three cards have very different features, so don’t mix them up:

  • The UOB Preferred Platinum Visa earns 4 mpd on mobile contactless payments, and online shopping & entertainment
  • The UOB Preferred Platinum AMEX no longer exists, having been replaced by the UOB Absolute Card
  • The UOB Preferred Platinum Mastercard is best used for removing spinach and other debris from between teeth after you’ve used your UOB Preferred Platinum Visa to settle the bill

How much must I earn to qualify for a UOB Preferred Platinum Visa?

uob preferred platinum visa income requirement

The UOB Preferred Platinum Visa is positioned at the entry level, with a S$30,000 annual income requirement.

If you do not meet the minimum income requirement, it may be possible to place a S$10,000 fixed deposit with UOB to get a secured version. Contact your nearest UOB branch for more details.

How much is the UOB Preferred Platinum Visa’s annual fee? 

 Principal CardSupp. Card
First YearFreeFree, S$96.30 for 2nd onwards
SubsequentS$192.60Free, S$96.30 for 2nd onwards

The UOB Preferred Platinum Visa has an annual fee of S$192.60, which is waived for the first year. The fee for the first supplementary card is waived in perpetuity, with the second card onwards charged at S$96.30 per year.

Do note that UOB’s default behaviour is to automatically deduct 6,500 UNI$ (13,000 miles) to cover the annual fee come renewal time (if you have insufficient UNI$, you’ll be billed in cash). It’s up to you to monitor your balance and request a waiver when this happens. 

Note the expiry date on your credit card (the month corresponds to the month your annual fee will be charged) and add a calendar reminder. 

How many miles do I earn?

🇸🇬 SGD Spending🌎 FCY Spending➕ Bonus Spending
0.4 mpd0.4 mpd4.0 mpd on mobile contactless payments, online shopping & entertainment

Regular SGD/FCY Spending

The UOB Preferred Platinum Visa earns 1 UNI$ for every S$5 spent in Singapore Dollars or foreign currency (FCY).

1 UNI$ is worth 2 airline miles, so that’s an equivalent earn rate of 0.4 mpd for both local and FCY spending. All foreign currency transactions are subject to a 3.25% fee

Mobile Contactless Spending

The UOB Preferred Platinum Visa earns a bonus 9 UNI$ for every S$5 spent on mobile contactless payments, or 4 mpd in total. 

The following mobile contactless payment methods are eligible:

Payment MethodEligible?

(does not include MST)
⚠️ Don’t use the physical card!
From 22 May 2020, tapping the physical UOB Preferred Platinum Visa card at a contactless terminal will only earn 0.4 mpd instead of 4 mpd. Once you get your card, add it to your mobile wallet and put it in the drawer!

For the avoidance of doubt, both local and overseas mobile contactless transactions will qualify for 4 mpd, capped at a maximum of S$1,110 per calendar month. 

⚠️Why S$1,110?

UOB’s T&Cs state that “The total UNI$ awarded to you from qualifying spend on Selected Online Transactions, Contactless Transactions and/or Mobile Contactless Transactions is capped at UNI$2,000 for each calendar month”. This leads many to conclude the cap is S$1,000 (2,000/10×5).

Not true. In practice, the bonus UNI$ is what’s capped, i.e. 9 UNI$ per S$5. Therefore the 4 mpd cap for each month is 2000/9×5= S$1,110.

This bonus makes the UOB Preferred Platinum Visa the Swiss Army knife of the miles & points game. So long as the transaction doesn’t fall afoul of the UOB Rewards blacklist (e.g. education, government services, insurance – see below), you’ll earn 4 mpd. Dentist’s appointment? Hairdresser? Stationery shop? Mini-mart? Car repairs? If there’s a contactless payment terminal, 4 mpd is yours.

One exception: UOB$ merchants. UOB$ is UOB’s card-wide cashback programme, offering instant rebates at selected places. What’s wrong with instant rebates, you say? Well, you don’t earn any UNI$ at UOB$ merchants. 

UOB has been busy expanding its UOB$ merchant list, which currently numbers 85. 

  • 8 Degrees Taiwanese Bistro
  • Aburi-EN Grand (Paragon)
  • Baker & Cook
  • Bee Cheng Hiang
  • Bones ‘N Slaw
  • BreadTalk
  • Canteen by Trapeze Rec. Club
  • Cellarbration
  • CHICHA San Chen
  • Co Chung
  • Chicken Claypot House
  • Famous Kitchen
  • Fatburger & Buffalo’s
  • Feng Tian Xiao Chu
  • Hard Rock Cafe
  • Hitoyoshi Ramen & Gril
  • Hitoyoshi Yoshi Sushi
  • Indian House
  • I.N.U Cafe & Boutique
  • Mr Coconut
  • Mun ZUk
  • Nam Kee Chicken Rice Restaurant
  • Patisserie G
  • Pazzion Cafe
  • Polar Puffs & Cakes
  • Potato Corner
  • Prince Kitchen
  • Qin Ji Rougamo
  • Q-WA Izakaya
  • Ramen Hitoyoshi
  • Starbucks 
  • Tangmen Restaurant
  • Tian Tian You Yu
  • ToastBox
  • Wangzi Music Restaurant
  • Xiu Jie Shan Cheng Fish
  • Yuan Cuisine Group
Gourmet Dining
  • Bincho at Hua Bee
  • Bincho at Min Jiang
  • Marguerite
  • Hortus
  • Kotuwa
  • Majestic Bay
  • Meatsmith Little India
  • Meatsmith Telok Ayer
  • Restaurant Majestic
  • Salted and Hung
  • Cold Storage
  • Giant
Retail & Services
  • agnes B
  • Buf’d Nail Spa
  • bYSI
  • Crocodile
  • Delta Dental Surgeons
  • DermaCurate
  • EMW Physiotherapy & TCM
  • Fenjiu Flagship Store
  • Gordon Max
  • G-Star Raw
  • Guardian
  • Honey World
  • iRUN
  • King Koil & Ashley Homestores
  • Limited Edit Underground
  • Marco Nail Spa
  • Masculine Men Skincare
  • Miniso
  • MissFit
  • New Era
  • Optique Paris Miki
  • Osman Silk House
  • Pazzion
  • Perky Lash
  • Picota Nail Spa
  • Qoosh Nail Spa
  • Replay
  • Salivan Beauty Clinic
  • Sports Fashion
  • United Overseas Insurance
  • Winter Time
  • Western Corp
  • Yangyi Beauty and BodyCare
Travel & Entertainment
  • Cathay Cineplexes
  • City Tours

SimplyGo transactions are not classified as mobile contactless transactions, even if paid with your mobile device. You’ll only earn 0.4 mpd here, so use a different card instead. 

Online Shopping & Entertainment

What’s slightly less well-known is that the UOB Preferred Platinum Visa also earns a bonus 9 UNI$ for every S$5 spent on online shopping and entertainment, or 4 mpd in total. 

The following categories are eligible: 

CategoryMerchant Category Codes (MCCs)
Department and Retail Stores4816, 5262, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631,5641, 5651, 5661, 5691, 5699, 5732-5735, 5912, 5942, 5944-5949, 5964-5970, 5992, 5999
Supermarkets, Dining and Food Delivery5811,5812,5814, 5333, 5411, 5441, 5462, 5499, 8012, 9751
Entertainment and Ticketing7278, 7832, 7841, 7922, 7991, 7996, 7998-7999

For those of you who don’t speak MCC, this includes online transactions at:

  • Department and Retail Stores: Amazon, Book Depository, Courts, Harvey Norman, Lazada, Qoo10, Shopee, and Taobao
  • Supermarkets, Dining and Food Delivery: Cold Storage, Deliveroo, FairPrice ON, foodpanda, GrabFood, WhyQ
  • Entertainment and Ticketing: Golden Village, SISTIC

However, I’d much rather use the DBS Woman’s World Card or Citi Rewards Card for such transactions, and save the UOB Preferred Platinum Visa’s 4 mpd cap for in-person contactless spending.

The 4 mpd for online shopping & entertainment is capped at a maximum of S$1,110 per calendar month, and shares the same cap with mobile contactless payments. 

When are UNI$ credited? 

Both base and bonus UNI$ are credited when the transaction posts, usually within 1-3 working days.

Base Points (1X)Credited when transaction posts
Bonus Points  (9X)
Credited when transaction posts

How are UNI$ calculated?

Here’s how you can work out the UNI$ earned on your UOB Preferred Platinum Visa: 

Base Points (1X)Round down transaction to the nearest S$5, divide by 5, then multiply by 1.0
Bonus Points  (9X)
Round down transaction to the nearest S$5, divide by 5, then multiply by 9.0

Do note that UOB rounds your transactions down to the nearest S$5 before awarding points, which means a S$9.99 transaction earns the same as a S$5 one, and a S$4.99 transaction earns no points at all. 

To illustrate the effect of rounding, consider the following:

 uob preferred platinum visa cardUOB Pref. Plat Visaciti rewardsCiti Rewards
$520 miles20 miles
$9.9920 miles36 miles
$1560 miles60 miles
$19.9960 miles76 miles
$25100 miles100 miles
$29.99100 miles116 miles

If you’re an excel geek, here’s the formulas you need to calculate your points: 

Base Points (1X)=ROUNDDOWN (X/5,0)*1
Bonus Points (9X)
=ROUNDDOWN (X/5,0)*9
Where X= Amount Spent

Don’t forget that UOB makes it easy to check your points breakdown thanks to the TMRW app, which will show transaction-level points for the UOB Preferred Platinum Visa.

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

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

What transactions aren’t eligible for UNI$?

A full list of transactions that do not earn UNI$ can be found in the T&C

I’ve highlighted a few noteworthy categories below:

  • Charitable Donations
  • Education
  • Government Services 
  • Insurance
  • Prepaid account top-ups (e.g. GrabPay, YouTrip)
  • Real Estate Agents & Managers
  • Utilities (from 1 August 2022)

What do I need to know about UNI$?

UNI$ expire after 2 years, and pool across cards. If you have 10,000 UNI$ on the UOB Preferred Platinum Visa, and 5,000 UNI$ on the UOB Lady’s Card, you can redeem 15,000 UNI$ at one shot and pay a single conversion fee.

It also means that you don’t need to transfer your UNI$ out before cancelling the UOB Preferred Platinum Visa, assuming it’s not your last UNI$-earning card. 

UNI$ transfer to frequent flyer programmes at a 1:2 ratio, with a minimum transfer block of 5,000 UNI$. 

Frequent Flyer ProgrammeConversion Ratio
(UNI$: Partner)
krisflyer logo5,000: 10,000
asia miles logo5,000: 10,000

Transfers cost S$25 per programme, regardless of how many points are transferred.

UOB also has an auto-conversion option for KrisFlyer, which costs S$50 per year. UNI$ will be automatically converted on the last day of the calendar month, in blocks of UNI$2,500 (half the regular conversion block). 

However, you’ll need to keep a minimum balance of UNI$15,000 (30,000 miles) in your account at all times, for reasons I do not understand. UOB gives the following explanation:

This is to give card members the flexibility to convert the UNI$ to other items from UOB Rewards Catalogue. Card members can still choose to convert this UNI$15,000 to KrisFlyer miles by the one time miles redemption process through UOB Rewards Catalogue, subjected to S$25 conversion fee and must be in blocks of 10,000 miles.

I call B.S on this, but there you have it. 

You can enroll for the automatic conversion programme here

Summary Review: UOB Preferred Platinum Visa

uob preferred platinum visa cardApply here

The UOB Preferred Platinum Visa may not be marketed as a miles card, but it’s one of the best out there. 

Simply put, there’s no other card on the market that offers what the UOB Preferred Platinum Visa does. Given the ubiquity of contactless terminals, this is pretty much a 4 mpd anywhere solution, making it suitable for those who struggle to memorize what card to use where.  

Used judiciously, a cardholder could earn slightly over 53,000 miles per year with ~S$13,000 spending, equal to a one-way Singapore Airlines Business Class flight to Dubai, Istanbul, Osaka, Seoul, or Tokyo. 

The fact that UOB pools points makes the UOB Preferred Platinum Visa even more useful- it could be paired with the UOB PRVI Miles, UOB Lady’s Card or UOB Visa Signature, creating a card portfolio that earns 4 mpd on a large proportion of your overall spending. 

So that’s my review of the UOB Preferred Platinum Visa. What do you think? 

Overall Score
Ratings Guide
5 Stars
An essential card for miles chasers, with few viable alternatives 
4 Stars
A very good card, although other equally good alternatives may exist
3 Stars
A decent card to round out your collection, but not absolutely essential
2 Stars
Very limited use cases, and outperformed by most other cards
1 Star

Paperweight. Use for picking teeth or ninja stars
Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Hi Aaron! I realised you put MST for Samsung Pay. May I know what is that?


Magnetic Secure Transmission


Aaron, why don’t you compare this with the new HSBC revo, I personally prefer HSBC revo though, just 5 dollar block and UNI$ makes me sick aldy~


Hi, would u know if SGH payment is considered govt services?


So what on earth happens with the ‘minimum balance of UNI$15,000′?
Is it just stuck there? When can you actually transfer it? I imagine only if/when you cancel the card?? Can someone confirm you can transfer this when you cancel the card?
Such a weird mechanism but how this works is the break or make of this card


There’s a minimum spend of S$5 or it’s zero mpd

i find it challenging as my default GooglePay card as sometimes buy an item like a loaf of bread or a carton of milk and will earn nothing if less than $5


Aaron do you know if the professional VISA cards are considered UOV PP Visa cards?

UOB issues platinum visa cards free for life to the professions below:

Reason for asking: Supplementary cards for the the professional cards are issued as PP Visa cards. Would stand to reason that the principal card is PP Visa as well???


It really would be, considering that UOB Professional Platinum cards enjoy perpetual fee waivers as long as you transact with it once in three months. Please do look into it :3


No need for transaction. I haven’t used it in 2 years and I’m still got the autorenewal principal card and the PPV supplementary card.


Hi Aaron + above commenter – so does the principal professionals platinum work the same way as the preferred platinum visa?


To confirm, my ACCA card would be considered ppv, and accorded the same bonus miles as such??


Great Post — UOB never told me that PayWave no longer gets 10X. Maybe they forgot!


Physical paywave of the card does not get you the bonus 9x. Only Mobile contactless gets the bonus 9x.


Hi Aaron,

You might want to take out Cathay Cineplexes from the Entertainment and Ticketing section of the MCC table, as it is a Smart$ merchant (which you’ve covered too). Just a suggestion in case people forget.



Used the PPV card at Cathay website once. No UNI$, No SMART$. That was weird.


Sorry to comment on an old post, just to confirm the above as I just got off the line with UOB CSO. SMART$ merchants will not earn UNI$, be it online or offline, the CSO appealed on my behalf and I got the UNI$ adjustment for a Guardian online order as an exception.

Cappy Hamper

I just got docked UNI$6,500 (=13,000 miles) as annual fee payment with my appeal for waiver rejected. Not sure how this card received 5 stars.

If you think you’re going to earn 4mpd with this card, you’re being misled. From $5 rounding to no option UNI$ deductions, I’m cashing out my remaining miles and canceling this card.


The annual wavier is dependent on the bank afaik. Some only wavier if you are a big spender (to reward you), others waiver only if you don’t spend much (to keep you around longer). Try calling again for waiver and hope to get another operator who can help you to get it, is the best you can do. As for the $5 spending block, I would normally use this card to top-up Lazada/shopee wallet so it is easy to achieve that. This is why it is better to have multiple card and use another card when paying for things nowhere… Read more »


Lazada/Shopee wallet top ups do not give miles tho


My appeal for waivers have been rejected multiple times, but eventually pulled through after about 3 weeks of trying. Be sure you’re getting through to the CSO instead of sticking with the automated waiver hotline. Keep at it and hope for the best


with this card, whats the point of still working using uob prvimiles mastercard? The base earn miles rate would be the same isnt it?


Clearly not the same. Read the article how much base you will get! Privi mc is good for place without contactless payment.

Last edited 2 years ago by Kelvin

Privi Master is a generic miles card since it earns 1.4mpd. But given that most places do accept contactless payments, I’d think usage of this card would be quite minimal (at least personally for me).


That’s only true for people who spend less than $1k monthly. Remember PPV has a cap.


PPV base rate is just 0.4mpd, however you can pool your points between both cards and to round up your block of 5k UNI$ for redemption.


is the cap shared with supp card?


Hi Aaron, thanks for this amazing article. One question, if I spend SGD 100 on 31 Aug, and posted on 01 Sep, will this contribute the the cap of Aug or Sep? Thank you.


Which card would u recommend at smart$ merchants? Thanks


Online payment for Universal Studio Singapore Tickets are likely processed under a different MCC code… the resort/hotel. Not awarded 4mpd….
Might want to take note for readers intending to do that. I spent $400 for a peasy 0.4mpd☹️


Others obviously know PPV online MCC are very limited. Never bother to use PPV on online transactions also.


Hi, any kind souls here know whether insurance payment counts towards the qualifying 1.5k spending for the sign-up gift? Thanks.


UOB has updated in its website that secured credit card is no longer available under for this card.

Terms and Conditions
Only available for application via Not eligible for Secured Card Applications.


hi aaron, do you know the latest limits for paywave transactions? if i recall, it was 100/transaction?

Always seems to fail when i need it; then would panic swipe other cards.



How long does it normally take for the miles to be credited into my Krisflyer account after I have redeemed them with my UNI$? I’m aware the website indicated 15 days, but is that usually the case as that is a rather long time.


Thanks Aaron for the prompt reply! I would also like to express my gratitude to you for the travel hacks and tricks you have shared since the inception of milelion. It is from this platform that I will be able to fly business class for the very first time. Really appreciate all the effort you have put into the site!


Hi @Aaron, in the petrol section, you listed Shell as being excluded from earning bonus UNI$ even using ApplePay, how about SPC? Isn’t SPC also a SMART$ merchant?


upvoting this question. wondering the same.


I did my own test. SPC spending doesn’t earn point


I can’t apply for card online and also on hard copy form – not listed as an option. Could it be nerfed?


sorry – not error msg. When i login to my uob account and tried to apply, there is no option to apply for this card (other cards will show up). When i contacted the bank via phone, they ask me to go to branch. When i contacted them via watsapp, the officer sent me a hardcopy form with many cards to apply but no option to apply for this card. Hence, I suspect that they have stopped application for this card.

C n

Can’t apply online either.

1. No option to apply via UOB app
2. If apply through site, Error message is ” we are unable to complete this request as you do not have a valid current or savings account to perform this transaction.”. hmmm

Last edited 5 months ago by C n

Can apply online under Credit Cards/ Rewards Card of UOB website.


Doesn’t work for me – maybe I am unique. Was informed that my card is still in system as I cancelled in May 2022. Have to do the painful way of going down to the branch. But kind of weird why this particular card is not available on the hard copy form while all other cards are.


I just checked my UOB app and the card isn’t listed either, yet all the other rando cards like UnionPay and Singtel/Metro are. I wonder if they are looking to discontinue it soon.


I hv the card & it doesn’t appear for me on the UOB mobile app either. Online at UOB website it appears under Rewards Card.

Lim CY

Hard to keep track of UOB$ merchants, is there any giveaway at the shop or restaurants? Like BreadTalk and Toast Box, what about Sheng siong vs Giant?


Is SPC a Uni$ Merchant? Cos I’m always asked if I wanna redeem my $ with them.


Just spent a bit on Agoda last month on this card and found out from CSO today that the MCC is 4722 (travel agent) and not included as UNI$10 but only UNI$1. Too much pain using UOB cards now esp the PPV


Hi Aaron, can i confirm with you that using the card at physical Cold Storage outlets will earn you UOB$ but purchasing from Cold Storage online will award you 4mpd instead? (Since you mentioned Cold Storage under the online category). Thanks!


Can I confirm, UOB PPV will NOT earn bonus rewards on Grab rides or GrabFood delivery?



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