Review: UOB Visa Signature Card

Assuming the pesky minimum spend doesn't trip you up, the UOB Visa Signature is a great way to earn 4 mpd almost everywhere.

Here’s The MileLion’s review of the UOB Visa Signature Card, which this year marks its 18th anniversary.

It’s hard to believe today, but when it debuted back in 2006 (in fetching purple no less), it was positioned as the card for the mass affluent, which at the time required a minimum income of just S$60,000, versus S$120,000 today.

These days, it’s more of a mass market offering, and that’s a good thing. Even though some of its mechanisms are hard to understand, this oldie is definitely a goodie.

UOB Visa Signature
🦁 MileLion Verdict
☑ Take It
☐ Take It Or Leave It
☐ Leave It

What do these ratings mean?
Assuming the pesky minimum spend doesn’t trip you up, the UOB Visa Signature is an easy way to earn 4 mpd on local or overseas spend.
👍 The good 👎 The bad
  • Easy-to-earn 4 mpd on FCY, contactless and petrol spend, with S$2,000 monthly cap
  • UNI$ pool with other UOB cards
  • Requires S$1,000 minimum spend to trigger 4 mpd earn rate
  • S$5 earning blocks
💳 Full List of Credit Card Reviews

Overview: UOB Visa Signature

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

Income Req.
S$50,000 p.a.
Points Validity
2 years
Annual Fee
(First Year Free)

5,000 UNI$
(10,000 miles)

FCY Fee 3.25% Transfer Fee S$25
Local Earn 0.4 mpd Points Pool? Yes
FCY Earn 4 mpd Lounge Access? No
Special Earn 4 mpd on FCY, contactless payments & petrol  Airport Limo? No
Cardholder Terms and Conditions

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

The UOB Visa Signature has an unusual S$50,000 annual income requirement; more than the MAS-mandated S$30,000 minimum, but not quite the rarefied air of the S$120,000 segment.

I wouldn’t let this deter you from applying, however, since any income requirement above S$30,000 is essentially arbitrary. There have been many data points of people successfully getting approved in the S$30,000-S$50,000 range, and if you never try, you’ll never know.

How much is the UOB Visa Signature’s annual fee? 

  Principal Card Supp. Card
First Year Free Free, S$109 for 2nd onwards
Subsequent S$218 Free, S$109 for 2nd onwards

The UOB Visa Signature has an annual fee of S$218, 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$109 per year.

Waivers are fairly easy to get in my experience, but be warned that UOB’s default behaviour is to automatically deduct your UNI$ to cover the annual fee.

How do UOB’s automatic UNI$ deductions for annual fees work?

When the time comes for renewal, you will be charged either:

  1. 6,500 UNI$ for a full waiver
  2. 3,250 UNI$ + S$109 for a half waiver

If you have at least 6,500 UNI$ in your account, you will be charged (i). If you have less than 6,500 UNI$ but more than 3,250 UNI$, you will be charged (ii). And if you don’t have at least 3,250 UNI$, you’ll be charged the S$218 annual fee in cash.

It’s up to you to monitor your statement and request a fee waiver when this happens. Look at the expiry date on your credit card- the month corresponds to the month your annual fee will be charged. 

For what it’s worth, if UOB subsequently grants you a fee waiver, the reinstated UNI$ will have a fresh 2-year validity, so that’s something I guess!

How many miles do I earn?

🇸🇬 SGD Spending 🌎 FCY Spending ⭐ Bonus Spending
0.4 mpd Up to 4 mpd
Up to 4 mpd on contactless payments & petrol

Regular SGD/FCY Spending

UOB Visa Signature Cardholders usually earn:

  • 1 UNI$ for every S$5 spent in Singapore Dollars
  • 1 UNI$ for every S$5 spent in foreign currency (FCY)

1 UNI$ is worth 2 airline miles, so that’s an equivalent earn rate of 0.4 mpd for both.

However, these rates can be increased significantly, as we’ll see in the next section.

Overseas, Petrol and Contactless Spend

UOB Visa Signature Cardholders will earn:

  • 10 UNI$ for every S$5 spent overseas 
  • 10 UNI$ for every S$5 spent on petrol or via contactless payments 

This is equivalent to 4 mpd for both categories, and subject to the following conditions:

  1. Overseas: Spend at least S$1,000 in FCY in a statement month
  2. Petrol and contactless: Spend at least S$1,000 in SGD in a statement month

(a) and (b) can be mutually exclusive. You can choose to do just (a), just (b) or (a) + (b).

The combined awarding of UNI$10 per S$5 spend on overseas spend, petrol and
contactless is subject to a shared cap of UNI$4,000 (S$2,000) per statement month. 

⚠️ Statement Month vs Calendar Month

Minimum spend and caps for the UOB Visa Signature are tracked by statement month, not calendar month. To find out what your statement month is, login to internet banking and download your e-statement. The statement date is the last day of your statement month. 

To keep things simple, you can call up customer service and request a change of statement period to match the calendar month. I did that a long time ago, and now all of my statements are generated at the end of each calendar month.

Overseas spend

Overseas spend refers to any online or offline spend that is not in SGD, processed through a payment gateway outside of Singapore.

BOC and UOB are the only banks to add the “payment gateway outside of Singapore” clause, and it is rather nebulous. How on earth is the customer supposed to know where the merchant’s payment gateway is?

If it’s any consolation, this will only be an issue with a small number of online transactions, and using your card while physically overseas guarantees you 4 mpd so long as you don’t fall victim to the DCC scam (i.e. always opt to pay in FCY and not in SGD).

Petrol and contactless spend

Petrol spend refers to any transactions at petrol stations (MCC 5541/5542).

Shell and SPC are officially excluded in the T&Cs, but in real life both earn UNI$ nonetheless. I can’t say for sure whether this is a feature or a bug, or whether it’ll still be accurate by the time you read this post, so do it at your own risk.

Contactless spend refers to any transactions made via the following contactless methods:

Payment Method Eligible?
Excludes MST
Tapping Physical Card

Contactless spend does not include online or in-app transactions, nor SimplyGo. 

For clarity, here’s a table summarising how various transactions fall into the “overseas” (min. spend S$1,000 in FCY) or “petrol & contactless” (min. spend S$1,000 in SGD) buckets.

  Overseas Petrol & Contactless
(local currency)
(foreign currency)
(local currency)
(foreign currency)
(local currency)
(foreign currency)
(local currency)
(foreign currency)

An easy rule of thumb is to ask: do you hear a “beep beep” sound when you pay? If not, its not contactless. 

All minimum spending excludes transactions on UOB’s general exclusion list, such as insurance premiums, hospitals, education, charitable donations and prepaid account top-ups.

What if I spend across categories?

Where people tend to get confused is when they make both local and overseas petrol and contactless transactions. How does that affect the calculation of minimum spend?

It’s actually not that complicated, so long as you think about it this way:

  • If your petrol and contactless spend is in FCY, it counts towards the overseas minimum spend
  • If your petrol and contactless spend is in SGD, it counts towards the petrol and contactless minimum spend

Here’s a few scenarios to illustrate how it works.

Overseas Petrol & Contactless
S$600 S$500

Total: 440 miles (S$600 @ 0.4 mpd + S$500 @ 0.4 mpd)

4 mpd rate is not triggered because the S$1,000 minimum spend has not been met on either the overseas or petrol & contactless bonus categories

S$1,000 S$1,000

Total: 8,000 miles (S$1,000 @ 4 mpd + S$1,000 @ 4 mpd)

4 mpd rate is triggered for both overseas and petrol & contactless bonus categories

S$2,000 S$1,000

Total: 8,400 miles (S$2,000 @ 4 mpd + S$1,000 @ 0.4 mpd)

4 mpd rate is triggered for both overseas and petrol & contactless bonus categories, but the maximum 4 mpd is capped at S$2,000 per statement month

S$1,200 S$1,200

Total: 8,160 miles (S$2,000 @ 4 mpd + S$400 @ 0.4 mpd)

4 mpd rate is triggered for both overseas and petrol & contactless bonus categories, but the maximum 4 mpd is capped at S$2,000 per statement month

(all contactless)
(all contactless)

Total: 400 miles (S$900 @ 0.4 mpd + S$100 @ 0.4 mpd)

The 4 mpd rate on petrol & contactless is not triggered as S$1,000 minimum SGD spend has not been met

The 4 mpd rate on overseas spend is not triggered as S$1,000 minimum FCY spend has not been met

(all contactless)
(all contactless)

Total: 4,840 miles (S$1,200 @ 4 mpd + S$100 @ 0.4 mpd)

The 4 mpd rate on petrol & contactless is not triggered as S$1,000 minimum SGD spend has not been met

The 4 mpd rate on overseas spend is triggered as S$1,000 minimum FCY spend has been met

Note in particular the last two scenarios, which shows how overseas and local contactless spend do not comingle. Overseas is overseas, local is local. Even if you unlock the overseas 4 mpd earn rate through FCY contactless spending alone, it has no bearing on whether you earn 4 mpd on local contactless spend- that requires a minimum spend of S$1,000 in SGD, period.

Say it with me: Contactless overseas transactions do not double count towards “overseas” and “petrol and contactless”, it will only count towards “overseas”.

While the minimum spend requirement can be annoying to track, the UOB Visa Signature Card’s blacklist policy makes it very versatile. So long as you’re spending in FCY, or in SGD at a contactless payment terminal, you can earn 4 mpd on all your spending. 

For more on managing your whitelist and blacklist cards, refer to the article below.

Blacklist vs whitelist cards: How I optimise between both

Be careful of UOB$ merchants

UOB cardholders (with the exception of UOB PRVI Miles AMEX, which does not participate in the UOB$ scheme) do not earn any base UNI$ at UOB$ merchants.

In the case of cards like the UOB PRVI Miles or UOB Preferred Platinum Visa, this means walking away empty handed. However, the impact is less severe on the UOB Visa Signature Card, because you’ll still earn the bonus UNI$ (3.6 mpd) on such transactions. 

For a full explanation, refer to the post below.

Confirmed: UOB$ merchants qualify for bonus miles with UOB cards

UOB$ merchants include Cold Storage, Crystal Jade, Giant, Guardian, Starbucks and Toast Box.

FCY transaction fee

All FCY transactions on the UOB Visa Signature Card incur a 3.25% FCY transaction fee. This is par the course for the market.

💳 FCY Fees by Issuer and Card Network
Issuer ↓ MC & Visa AMEX
Standard Chartered 3.5% N/A
American Express N/A 3.25%
Citibank 3.25% N/A
DBS 3.25% 3%
HSBC 3.25% N/A
Maybank 3.25% N/A
OCBC 3.25% N/A
UOB 3.25% 3.25%
BOC 3% N/A

Assuming you’ve hit the minimum spend necessary for the 4 mpd earn rate, using your card overseas is equivalent to buying miles at 0.81 cents each.

When are UNI$ credited? 

Base UNI$ are credited when the transaction posts. Bonus UNI$ will be credited in the following statement period.

Base Points (1X) Credited when transaction posts
Bonus Points  (9X)
Credited in the following statement period

How are UNI$ calculated?

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

Base Points (1X) Round down transaction to the nearest S$5, divide by 5, then multiply by 1
Bonus Points  (9X)
Sum all eligible transactions (including cents), round down total to the nearest S$5, divide by 5, then multiply by 9

While you normally need to watch out for S$5 earning blocks with UOB cards, it’s less of an issue with the UOB Visa Signature than the UOB Preferred Platinum Visa. That’s because all unrounded transactions on the UOB Visa Signature are summed up during the calculation of the 9X bonus. 

Is UOB’s points rounding policy as bad as it seems?

Here’s a simple example. Suppose you have three transactions for the whole month, S$99.99, S$199.99 and S$700.02.

  • With the UOB Preferred Platinum Visa, each transaction is rounded down to the nearest S$5, so you’ll earn 3,960 miles (S$95*4 + S$195 *4 + S$700*4)
  • With the UOB Visa Signature, each transaction is rounded down to the nearest S$5 for the purpose of 1X points (0.4 mpd), but all transactions are summed up for the purpose of 9X points (3.6 mpd). Therefore, you’ll earn 3,996 miles (S$95 * 0.4 + S$195 * 0.4 + S$700 * 0.4 + (S$99.99+ S$199.99+  S$700.02) *3.6)

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 (Y/5,0)*9
Where X= amount spent, Y= sum of all eligible transactions

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&Cs at Point 1(iii).

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

UNI$ will be awarded for CardUp, but not ipaymy. However, the UOB Visa Signature will only earn 0.4 mpd on such transactions, so you’re much better off using the UOB PRVI Miles or another general spending card instead.

What do I need to know about UNI$?

❌ Expiry ↔️ Pooling ✈️ Transfer Fee
2 years Yes S$25
⬆️ Min. Transfer ✈️ No. of Partners ⏱️ Transfer Time
5,000 UNI$
(10,000 miles)
3 48 hours (KF)


UNI$ expire 2 years from the last day of each periodic quarter in which the UNI$ was earned.

Each UNI$ period is calculated commencing from January to December of each calendar year. Expired UNI$ cannot be replaced or reinstated.


UNI$ pool across cards. If you have 10,000 UNI$ on the UOB Lady’s Card, and 5,000 UNI$ on the UOB Visa Signature, 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 Visa Signature, assuming it’s not your last UNI$-earning card. 

Transfer Partners & Fees

UNI$ can be transferred to KrisFlyer or Asia Miles with a minimum transfer block of 5,000 UNI$ (let’s ignore AirAsia, because converting points there is like throwing them away):

Frequent Flyer Programme Conversion Ratio
(UNI$: Partner)
krisflyer logo 5,000: 10,000
asia miles logo 5,000: 10,000
2,500: 4,500

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).

Read Point 53-55

However, you’ll need to keep a minimum balance of UNI$15,000 (30,000 miles) in your account at all times. This is a hefty working capital balance! Make what you will of UOB’s reason for this policy…


Why must a minimum balance of UNI$15,000 be kept KrisFlyer auto conversion programme?

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.

Cardmembers who wish to make ad-hoc conversions can still do so, subject to the payment of the usual S$25 fee per conversion, in standard blocks of 5,000 UNI$ (10,000 miles).

Here’s the pros and cons of the automatic transfer scheme: 


  • Pay a single fee for 12 automatic conversions a year
  • Reduces the minimum conversion block from 5,000 UNI$ (10,000 KrisFlyer miles) to 2,500 UNI$ (5,000 KrisFlyer miles)


  • The 3-year expiry on your KrisFlyer miles starts as soon as they are converted. Had you kept your UNI$ on the UOB side, you’d enjoy two extra years of validity
  • Ad-hoc conversions still cost you S$25
  • Only balances in excess of 15,000 UNI$ are converted
  • Effectively locks you into KrisFlyer, as opposed to UOB’s other transfer partners (you can still make ad-hoc conversions to Asia Miles between quarters, but it’s likely you’ll need to end participation in the automatic conversion programme to acquire a critical mass)

Transfer Times

UOB transfers to KrisFlyer are typically completed within 48 hours.

If you need your points credited instantly, you can do so via Kris+. 1,000 UNI$ can be transferred to 1,700 KrisPay miles, which can then be transferred to KrisFlyer miles at a 1:1 ratio with no fees. 

S$5 for new Kris+ Users
Get S$5 (in the form of 750 KrisPay miles) when you sign-up with code W644363 and make your first transaction

However, those 1,000 UNI$ would normally have earned you 2,000 KrisFlyer miles, so you effectively take a 15% haircut. Therefore I wouldn’t recommend taking this option, unless you need a small top-up to redeem a flight, or have an orphan UNI$ balance (<5,000 points). 

If you choose to do so nonetheless, do remember that it’s a two-step process:

  1. Transfer UNI$ to KrisPay miles
  2. Transfer KrisPay miles to KrisFlyer miles

Do not forget the second step! If you wait more than seven days, or spend any of the converted KrisPay miles via Kris+, the entire balance will be stuck in the Kris+ app. KrisPay miles expire after six months, and can only be spent at a poor ratio of 150 miles = S$1. 

Summary Review: UOB Visa Signature


The UOB Visa Signature is a versatile solution that allows you to earn 4 mpd both in Singapore (via contactless) and overseas, giving you an easy 96,000 miles a year from just S$2,000 monthly spend.

It’s especially useful for those who regularly bust the 4 mpd cap on the UOB Preferred Platinum Visa (S$1,110), and an ideal choice for those who struggle to memorise which card to use where.

Add the fact that UOB pools points, and you can see how the UOB Visa Signature could easily slot into a card portfolio also featuring the UOB Preferred Platinum Visa, UOB Lady’s Card and UOB PRVI Miles.

The main drawback is the S$1,000 minimum spend required to trigger the 4 mpd bonus rate, which can be potentially confusing for first-timers. But it’s not rocket science, and once you figure it out, the UOB Visa Signature will be a worthy addition to your wallet. 

🦁 MileLion Verdict
☑ Take It
☐ Take It Or Leave It
☐ Leave It


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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Do those UNI$-ineligible transactions count towards the $1,000 monthly requirement?


unfortunately no.


at least for the excluded categories. Not sure about SMART$/UOB$


Thanks. That’s unfortunate…

Hack Harder

this card is the bomb, everywhere has paywave now. i use it for dining, groceries, literally everything physical. 1k should be easily reached


Will be great if some kind Excel geek can do up a macro which feeds in the card transaction CSV downloaded from Internet banking and automatically calculates the base and bonus points and tally them for reconciliation against the monthly statement. Extra bonus if it tallies the merchant name with MCC code and known UOB merchants to exclude UNI$ calculation.
Just suggesting, don’t troll me 😅

Louis Tan

You know what, I might actually be willing to pay for such an app / tool!

(Paging all geeks)


I will pay too!


@Aaron, business opportunity for you **hint hint** 😉


Is there a 4x UOB card for general online spending? It seems the Preferred Platinum Visa used to be that card but it’s restricted by MCCs now. I had the DBS womans card before but I prefer UOB for the points pooling. I have the citi rewards (combined with Amaze) but travel-related MCCs are excluded from 4x. Any suggestions? Should I just get the womans card again?


So if I’m a UOB cardholder starting from scratch, the first 15,000 UNI$ that I have accumulated cannot be transferred to Krisflyer? Anything above that, I can only transfer the excess?


Only if you choose the auto conversion option. Makes more sense to pay for and transfer when needed.


So the ideal 4 card 4 mpd strategy is UOB Visa Signature for the first $2000 paywave spend, UOB PPV for the next $1110; DBSWWMC for the first $2000 online spend; and either UOB PRVI or DBS Altitude for everything else (depending on whether you want to accumulate UOB or DBS points)? Sure you can get HSBC Revo and Citi Rewards, but that’s spreading yourself too thin, no?


Are local and foreign spends counted separately and counted as combined spend ? i.e spend $500 FCY + $500 local will trigger the bonus points min spend ?


How about if the Fcy is also a contactless method. Would that pool to the contactless spend? Say i hit 1k with paywave but spent 200FCY (but through paywave terminal), would the 1200 be awarded 4mpd?


So if I am understanding this correctly a Minimum spend of $1800 FCY And $500 local spend will therefore only trigger the 4mpd on fcy but not the local.

Will this however apply for the entire 1800 FCY or will it be based chronologically combined with the local spend ?


My understanding is that 1800 will trigger 4miles and local will trigger only 0.4×200
If I am not wrong, it means there is no incentive to use the card locally as soon as you crossed 1k in FCY, which can be a bit annoying to keep track of. Best strategy would be to keep off the card from using it if you are sure there is some big ticket spend on FCY planned .


What if I spend $1,000 in local currency and say $200 in foreign currency? Will the 4mpd at least apply for the $1,000 local currency spend?


Just had a chat with UOB live chat assistance, statement date cycle for example, if it’s indicated 8th of the month. It starts counting on 8th ends on 7th.

Not sure if UOB has changed policy but I requested customer service to double confirm with manager. Would be different from what’s indicated in this article about the statement cutoff and counting.


Does online spend Eg. Lazada, Shopee etc qualify for the 4mpd too? Thank you!


I have the same qns!


If it’s not FCY, no.
Bonus is for contactless or FCY, not online.


Does 4 mpd trigger for $1k local spending and $0 FCY?

Sir Timothy Dunstable

What a complicated card and what a mess UOB makes out of its promotions and card mileage earning. Why do I even both with this bank!!!


What if I only have 1 txn of FCY amounting to $2000? I don’t have any local spend but I would have triggered the 4mpd for the FCY spend?


Yes. You will get 400 uni$ immediately and then 3600 uni$ a couple of days after your statement date.




What happens if i have a $1500 local spend and $500 on foreign spend? As i hit the $1k minimum local spend do i at least get 4 miles for the $1500?


Same question as you @DTjoa – did you ever get the answer?


Yes for local spend. No for the foreign spend.


Any idea if this $1000 minimum spend is necessary for every month to get 4mpd or just for that particular statement month?


can i use uob vs for air bnb?


Sounds like you will as it transacts in FCY. Did you get an answer?

Jeremy Tan

I don’t think you need to hit $1K per statement month for local contactless transactions to enjoy 10 UNI$ per $5 spent. This $1K minimum only applies to FCY transactions. Sounds like they’ve changed the terms from before?

From T&Cs: Contactless Transactions You will earn UNI$10 per S$5 spend on Contactless Transactions (excluding at UOB$ merchants) successfully carried out on and charged to the Card.


What happens if i have a $1500 local spend and $0 on foreign spend? As i hit the $1k minimum local spend do i at least get 4 miles for the $1500?




Possibly dumb question, does in-app purchases via Apple Pay count as contactless for UOB VS?


No. Contactless is when you tap the card or nfc on phone onto a terminal and it beep beeps.


If I make a contactless transaction in FCY while overseas, does this count to both FCY and contactless minimum spends?


Is there a way to see when are the UNI$ credited? like a summary of uni$ earned per transaction via UOB.


Hi Aaron, in the above, you say: Petrol and contactless refers to any spend at petrol stations (MCC 5541/5542, excluding Shell and SPC).

Do you mean that contactless payments at Shell and SPC do not earn 4mpd?


Amaze transactions are excluded from earning uni$. FYI


Hi, if i make an in-app payment using apple pay, eg making a payment in the fairprice app using apply pay, does that qualify as contactless payment for bonus?


not really an excel geek but i find this formula much easier to use

base = FLOOR(X,5)*1
bonus = FLOOR(X,5)*9

where 5 refer to $5 blocks

hence for other cards (eg Citibank) at $1 blocks

base = FLOOR(X,1)*1
bonus = FLOOR(X,1)*9


Does charging physical card overseas in FCY qualify for the bonus mpd please?


Same question I have.


Same question!


Hi Aaron, if I make an offline payment through ApplePay on the Kris+ app, I should still get 4MPD provided I hit the min 1k spend for contactless right?


EXTREMELY strange. I pay-waved my visa signature card over a POS terminal by waving it a few cm away from the device, SGD$1600 mcc-coded at 5411 (checked with the UOB bank), but they told me it’s online instead. I cant seem to understand how could a contactless payment change into an online transaction.

Big implications-nullifying the bonus UNI$…


Hi Aaron, is it possible to get the 4mpd when I accumulate the minimum $1k spending from a Supplementary card and Principal card?


same question!


Hi, wanted to ask if I will still earn 4mpd on FCY spending if I exceed the 2k mark. Say I spend 20k on FCY spend, does that equate to 80k miles earned? I’m trying to find the card with best miles for FCY spending. Many thanks


No, you will get 4mpd for 1st 2k spend and 0.4mpd for the rest. I suggest using uob Kf as 3mod uncapped as long as within MCCs and hit 800 SIA group spend.


Are transactions based on post date? Means if I spend on 31st March, it gets posted on 1st April so does it fall under April?


Is there minimum $1,000 expenditure per statement month based on 200 blocks x $5 or summed up amount of $1,000 at the end of the statement month? Thanks!


Hi, if i spend $1000 + $4.99 + $4.99 + $0.02, will I get bonus miles for the $4.99 & $0.02?

t y

For the “payment gateway outside of Singapore” clause, how can I check on the gateway? For example, if I buy an air ticket on the Cathay Pacific SG website, is this gateway outside of Singapore, because it is a HK-based airline?


if i have a company corporate UOB card but do not have a personal one,
am i still consider as a “New to Bank Customer”??

Thanks in advance.


If I get a supplementary card, the min $1k spending to trigger 4MPD is it combined with the main plan or is it each $1k minimum?

Dennis C

Is there recent data on how much the Visa spread adds to the 3.25% FCY? For developing countries, it can be as much as 5.0-5.5% right? Still worth 4 mpd but much less value.