Complete list of UOB$ merchants: December 2024

3 departures from the UOB$ programme this month, with no new joiners to report. Look forward to an upsized 10% rebate on Lux Retail from January.

UOB$ merchants (formerly known as SMART$ merchants) were historically one of the biggest minefields for UOB cardholders, because UOB$ cashback would be awarded in lieu of UNI$.

Despite the similar-sounding names, UOB$ and UNI$ are worlds apart. UOB$ is a form of return cashback that can be spent on the next bill with the same merchant. UNI$ is UOBโ€™s points currency, which can be converted into airline miles. And with a median UOB$ rebate of just 3.5%, you would almost always be worse off earning UOB$, compared to up to 4 mpd through UNI$.

UOB$ Programme

But on 1 November 2024, everything changed as UOB revised its policy to allow double dipping on UNI$ and UOB$ at UOB$ merchants.

Now, instead of avoiding UOB$ merchants, UOB cardholders should be seeking them out. UOB$ rebates may be modest, but so long as they’re in addition to UNI$, you have little to lose.

Since the UOB website’s UX does not make it easy to check the list of UOB$ merchants on the fly, this article serves to consolidate everything into one place. I’ll be publishing an update each month or quarter, depending on how often the list changes.

If you’ve stumbled upon this article via a search engine and want to ensure you’re reading the most up-to-date version, click this link and look for the topmost article.

โš ๏ธ UOB $ Merchants

How do UOB$ work?

When UOB cardholders spend at UOB$ merchants, they earn UOB$ which can be redeemed on the next transaction with the same merchant at a rate of 1 UOB$ = S$1.

It used to be the case that UOB$ were earned as a substitute for UNI$, but ever since 1 November 2024, cardholders can earn both at the same time.

For example, suppose you visit UOB$ merchant Miniso (4% rebates) and use your UOB Preferred Platinum Visa to pay for a S$20 transaction (via mobile contactless). You will earn:

  • 40 UNI$ (which can be convert into 80 airline miles)
  • 0.80 UOB$ (which can be used to offset a future transaction at Miniso)

UOB$ can be tracked via the UOB TMRW app. To view the UOB$ you’ve earned, tap on Rewards+ > My rewards > UOB$.

This shows a summary of the UOB$ you’ve earned at various merchants, as well as the expiry date.

All UOB cards participate in the UOB$ programme, with the exception of:

Changes for December 2024

New UOB$ merchants

No new merchants have joined the UOB$ programme in the month of December 2024.

Removed UOB$ merchants

The following merchants have been removed in the month of December 2024.

โŒ Removed UOB$ Merchants: December 2024
Category Merchant Rebate
Dining Yole 10%
Dining Tampines 1 outlet of Crystal Jade 3%
Retail and Services VivoCity outlet of JD Sports 5%
(min. S$100)

Full list of UOB$ merchants

Here’s the latest list of UOB$ merchants, current as of 14 December 2024 (sections are expanded by default for easier searching; you can tap on individual sections to collapse them for easier navigation).

Dining

Dining
Merchant Rebate Remarks
8 Degrees Taiwanese Bistro 5%
  • 37 Teck Chye Terrace
  • 20 Foch Rd
A&A Bistro & Cafรฉ 3%
  •  2 Havelock Rd
Aburi-EN 3%
  • Isetan Scotts
  • Paragon
  • Nex
  • Northpoint City 
Bee Cheng Hiang 2%
  • Except Takashimaya , Jewel, Changi Airport
Bonchon 5%  
BreadTalk 3%
  • 6% every Friday 
Canadian 2 for 1 Pizza 5%
  • 369 Sembawang Rd
  • 533 Choa Chu Kang St 51
  • 557 Jurong West St 42
Canteen by Trapeze Rec. Club 3%
  • 5% rebate for UOB reserve
Carl’s Jr 3%
  • 6% every Friday 
Cellarbration 3%  
Cinnabon 5%  
Co Chung 10%
  • Plaza Singapura
Crystal Jade Group 3%
  • Except Changi Airport and Tampines 1
  • 6% every Friday 
Famous Kitchen 5%
  • 10% every Friday 
Famous Palace 5%
  • 10% every Friday 
Famous Treasure 5%
  • 10% every Friday  
Feng Tian Xiao Chu 5%
  • 582 Geylang Rd
Francesca’s 5%
  • 313 @ Sommerset 
Hang Heung 5%
  • ION Orchard
Hard Rock Cafe 3%  
Hei Sushi 3%  
House of Seafood 3%
(cap S$60)
  • The Riverwalk
House of White Beehoon 3%
  • The Punggol Settlement 
I.N.U Cafe and Boutique 5%
  • 530 Balestier Rd
Ivins 3%
(cap S$50)
 
Jia He Xing 3%  
Kinara Contemporary Indian Cuisine 10%
  • 164 Upper East Coast Rd 
Kinara North West 10%
  • 55 Boat Quay 
Kyojo Dining 5%
  • Claymore Connect 
La Coffee 3%  
Little Italy 10%
  • 20% every Friday
  • 297 Tanjong Katong Rd
  • 160 Changi Rd 
MOA Restrobar 3%
(min. S$40)
  • 61 Robinson Rd
Mr Biryani 3%
  • 11 Chander Rd
  • 32 Norris Rd 
Mr. Coconut 2%
  • 4% every Friday
  • Except Jewel 
Mun Zuk 5%
  • Velocity
Nanbantei Japanese Restaurant 5%
  • Far East Plaza
  • Chinatown Point
Nong Geng Ji 5%
  •  VivioCity
Orchid Live Seafood 3%
(cap S$30)
  • HomeTeamNS
OSO Ristorante 5%
  • Oasia Hotel Downtown 
Patisserie G 5%
  • Downtown Gallery
  • Millennia Walk 
Pearl Hill Garden Restaurant 5%
  • 175A Chin Swee Rd 
Polar Puffs and Cakes 2%
  •  4% every Friday
Potato Corner 3%  
Sakae Sushi 3%  
Salmon Samurai 3%
  • Except 100AM Mall 
Secret Mermaid 3%  
Standing Sushi Bar 3%  
Swatow Seafood Restaurant 5%
  • 181 Lorong 4 Toa Payoh 
Tangmen Restaurant 5%
  • Orchard Plaza
Tanuki Raw 3%  
Tarte by Cheryl Koh 5%  
Taste of India 5%
(cap S$8)
  • 77 Rangoon Rd
Tenkaichi Japanese BBQ Restaurant 5%
  • 10% every Friday
  • Marina Square 
Tian Tian You Yu 10%
  • 111 Sommerset 
Toast Box 3%
  •  6% every Friday

Gourmet Dining

Gourmet Dining
Merchant Rebate Remarks
Kappou Miyako 5%
(cap S$100)
  • International Building

Lux Retail

Lux Retail
Merchant Rebate Remarks
CDG 5%
(min. S$1K)
 
Club21 5%
(min. S$1K)
 
DKNY 5%
(min. S$1K)
 
Jil Sander 5%
(min. S$1K)
 
Mulberry 5%
(min. S$1K)
 
Paul Smith 5%
(min. S$1K)
 
PLAY CDG 5%
(min. S$1K)
 
Sacai 5%
(min. S$1K)
 
Stella McCartney 5%
(min. S$1K)
 
Thom Browne 5%
(min. S$1K)
 

Do note that the earn rate for all of the above merchants will be increased to 10% from 1 January to 25 April 2025, with a minimum spend of S$1,500. 

Retail and Services

Retail and Services
Merchant Rebate Remarks
Aesthetic Works MediSpa 3%
(min. S$500)
  • Parkway Parade
agnรจs B 5%
  • 10% every Friday
Buff’d Nail Spa 3%  
CASA 3%
  • 15 Kian Teck Crescent
Code Bright Academy 3%  
COSLAB 3%
  • Bukit Panjang Plaza
  • Waterway Point
  • Yew Tee Point
Crocodile 3%
  • 6% every Friday
Delta Dental Surgeons 3%
  • Aperia
Fortune Supermarket 2%  
Gordon Max 3%
  • Wheelock Place
G-Star Raw 5%
  • 10% every Friday
Hall of Fame 6%
  •  VivoCity
Hang Ten 3%
  • 10% every Friday
  • 702 AMK Ave 8
  • KINEX
  • Lot One Shopper
  • Lucky Plaza
  • NEX
  • Northpoint Shopping Centre
HoneyWorld 3%  
iRun 6%
  • 12% every Friday
  • Queensway Shopping Centre
  • Far East Plaza
  • Peninsula Shopping Complex
JD Sports 5%
(min. S$100)
  •  Not available at Vivo City outlet
Le Coq Sportif 5%
  • 10% every Friday
  • Wisma Atria
LFC 6%
  • Bugis Junction
Limited Edt Underground 6%
  • 12% every Friday
  • Queensway Shopping Centre
  • VivoCity
  • The Shoppes at MBS
  • 313 @ Sommerset
M)phosis 3%
  • 6% every Friday
Maco Nail Spa 3%  
Miniso 4%
  • 8% every Friday
Mr Jeff 5%
  • Lot One
  • IMM
  • Kallang MRT
  • Tampines Mall
  • 78B Telow Blangah St
  • 19 Eng Kong Terrace
New Era 6%  
Nitori 3%
  •  6% every Friday
Optique Paris Miki 2%
  • 4% every Friday
OZARA 3%
  • Bugis Street
Picota Nail Spa 3%  
Pixie Nail Spa 3%  
Qoosh Nail Spa 3%  
Replay 5%
  • 10% every Friday
  • Wisma Atria
Salivan Beauty Clinic 5%
  • Far East Plaza
Sports Fashion 6%
  • 12% every Friday
  • Queensway Shopping Centre
Surferโ€™s Paradise 3%
  • 6% every Friday
  • Bedok Mall
  • Compass one
  • Eastpoint Mall
  • JCube
  • KINEX
  • Tiong Bahru Plaza
  • Thomson Plaza
  • White Sands
The Stretch Clinic 5%
  • 10% every Friday
  • Oxley Tower
Under Armour 6%
  •  Queensway Shopping Centre
Weston Corp 6%
  • 12% every Friday
Winter Time 2%
  • 4% every Friday

Travel and Entertainment

Travel and Entertainment
Merchant Rebate Remarks
Cathay Cineplexes 2%  
City Tours 10%
  • Marina Square 

Conclusion

With double dipping on UOB$ and UNI$ now possible, UOB$ merchants are something to be  desired, rather than avoided. 

Unfortunately, the list is now getting trimmed back. After a big wave of departures last month including Cold Storage, Giant, Guardian, Starbucks and Sushiro, December 2024 sees Yole leaving the UOB$ programme, together with the VivioCity outlet of JD Sports and Tampines 1 outlet of Crystal Jade.

Hopefully next year will see more additions to the UOB$ programme- a phrase I never thought I’d say!

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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