Welcome to the March 2025 roundup of UOB$ merchants, which highlights the places where UOB cardholders can earn additional cashback, on top of the regular UNI$. This cashback can then be spent on your next visit to the same merchant.
Unfortunately, the UOB$ programme has shrunk this month, with the removal of nine merchants and no new additions.
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| UOB$ Programme |
| 💳 UOB $ Merchants |
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Why did UOB$ merchants use to be a problem?
UOB$ merchants (formerly known as SMART$ merchants) used to be 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 UOB’s points currency, which can be converted into airline miles
With a median UOB$ rebate of just 3.5%, you would almost always be worse off earning UOB$, compared to up to 4 mpd worth of UNI$.
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$, you have little to lose.
How do UOB$ 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$1.
For example, suppose you visit UOB$ 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:
- UOB PRVI Miles AMEX
- UOB Absolute Cashback Card
- UOB Preferred Platinum AMEX Card (no longer issued)
- UOB UnionPay Platinum Card
- UOB Travel Account Card
- UOB Purchasing Card
Changes for March 2025
New UOB$ merchants
No new merchants have joined the UOB$ programme in the month of March 2025.
Removed UOB$ merchants
Nine merchants have left the UOB$ programme in the month of March 2025.
| ❌ Removed UOB$ Merchants: March 2025 | ||
| Category | Merchant | Rebate |
| Dining | A&A Bistro & Cafe | 3% |
| Dining | Feng Tian Xiao Chu | 5% |
| Dining | Francesca’s | 5% |
| Dining | La Coffee | 3% |
| Dining | Tangmen Restaurant | 5% |
| Dining | Tian Tian You Yu | 10% |
| Lux Retail | Paul Smith | 10% (min. S$1.5 spend) |
| Retail and Services | Le Coq Sportif | 5% |
| Retail and Services | The Stretch Clinic | 5% |
Full list of UOB$ merchants
Here’s the latest list of UOB$ merchants, current as of 22 March 2025 (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% |
|
| Aburi-EN | 3% |
|
| Bee Cheng Hiang | 2% |
|
| Bonchon | 5% | |
| BreadTalk | 3% | |
| Canadian 2 for 1 Pizza | 5% |
|
| Canteen by Trapeze Rec. Club | 3% |
|
| Carl’s Jr | 3% | |
| Cellarbration | 3% | |
| Cinnabon | 5% | |
| Co Chung | 10% |
|
| Crystal Jade Group | 3% |
|
| Famous Kitchen | 5% | |
| Famous Palace | 5% | |
| Famous Treasure | 5% | |
| Hang Heung | 5% |
|
| Hard Rock Cafe | 3% | |
| Hei Sushi | 3% | |
| House of Seafood | 3% (cap S$60) |
|
| House of White Beehoon | 3% |
|
| I.N.U Cafe and Boutique | 5% |
|
| Ivins | 3% (cap S$50) |
|
| Jia He Xing | 3% | |
| Kappou Miyako | 5% (cap S$100) |
|
| Kinara Contemporary Indian Cuisine | 10% |
|
| Kinara North West | 10% |
|
| Kyojo Dining | 5% |
|
| Little Italy | 10% |
|
| MOA Restrobar | 3% (min. S$40) |
|
| Mr Biryani | 3% |
|
| Mr. Coconut | 2% |
|
| Mun Zuk | 5% |
|
| Nanbantei Japanese Restaurant | 5% |
|
| Nong Geng Ji | 5% |
|
| Orchid Live Seafood | 3% (cap S$30) |
|
| OSO Ristorante | 5% |
|
| Patisserie G | 5% |
|
| Pearl Hill Garden Restaurant | 5% |
|
| Polar Puffs and Cakes | 2% | |
| Potato Corner | 3% | |
| Sakae Sushi | 3% | |
| Salmon Samurai | 3% |
|
| Secret Mermaid | 3% | |
| Standing Sushi Bar | 3% | |
| Swatow Seafood Restaurant | 5% |
|
| Tanuki Raw | 3% | |
| Tarte by Cheryl Koh | 5% | |
| Taste of India | 5% (cap S$8) |
|
| Tenkaichi Japanese BBQ Restaurant | 5% |
|
| Toast Box | 3% |
Lux Retail
Lux Retail
| Merchant | Rebate | Remarks |
| CDG | 10% (min. S$1.5K) |
|
| Club21 | 10% (min. S$1.5K) |
|
| DKNY | 10% (min. S$1.5K) |
|
| Jil Sander | 10% (min. S$1.5K) |
|
| Mulberry | 10% (min. S$1.5K) |
|
| PLAY CDG | 10% (min. S$1.5K) |
|
| Sacai | 10% (min. S$1.5K) |
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| Stella McCartney | 10% (min. S$1.5K) |
|
| Thom Browne | 10% (min. S$1.5K) |
Retail and Services
Retail and Services
| Merchant | Rebate | Remarks |
| Aesthetic Works MediSpa | 3% (min. S$500) |
|
| agnès B | 5% | |
| Buff’d Nail Spa | 3% | |
| CASA | 3% |
|
| Code Bright Academy | 3% | |
| COSLAB | 3% |
|
| Crocodile | 3% | |
| Delta Dental Surgeons | 3% |
|
| Fortune Supermarket | 2% | |
| Gordon Max | 3% |
|
| G-Star Raw | 5% | |
| Hall of Fame | 6% |
|
| Hang Ten | 3% |
|
| HoneyWorld | 3% | |
| iRun | 6% |
|
| JD Sports | 5% (min. S$100) |
|
| LFC | 6% |
|
| Limited Edt Underground | 6% |
|
| M)phosis | 3% | |
| Maco Nail Spa | 3% | |
| Miniso | 4% | |
| Mr Jeff | 5% |
|
| New Era | 6% | |
| Nitori | 3% | |
| Optique Paris Miki | 2% | |
| OZARA | 3% |
|
| Picota Nail Spa | 3% | |
| Pixie Nail Spa | 3% | |
| Qoosh Nail Spa | 3% | |
| Replay | 5% |
|
| Salivan Beauty Clinic | 5% |
|
| Sports Fashion | 6% |
|
| Surfer’s Paradise | 3% |
|
| Under Armour | 6% |
|
| Weston Corp | 6% | |
| Winter Time | 2% |
Travel and Entertainment
Travel and Entertainment
| Merchant | Rebate | Remarks |
| Cathay Cineplexes | 2% | |
| City Tours | 10% |
|
Conclusion
UOB cardholders can earn both UOB$ cashback and UNI$ points at UOB$ merchants, which gives you extra incentive to use a UOB card, since the extra cashback is just the icing on the cake.
Unfortunately, March 2025 sees a further nine departures from the programme, mostly from the dining category but a handful of retail merchants too. I never thought I’d say this, but please, more UOB$ merchants!
