UOB Payment Facility offering unlimited miles at 1.6-1.8 cents each

UOB has launched a new promotion for its UOB Payment Facility, which allows cardholders to purchase unlimited miles at 1.8 cents each (1.6 cents for the UOB Reserve Card) for payment applications approved by 31 October 2025.

UOB Payment Facility

While platforms like Citi PayAll or CardUp may offer cheaper ways to buy miles, they require you to make actual bill payments. In contrast, the UOB Payment Facility is essentially unrestricted— you can purchase as many miles as your credit limit allows, without the need to submit supporting documents or invoices.

This is one of the more attractive UOB Payment Facility promos we’ve seen, and even cheaper than the ongoing DBS Elevate Your Escape promo, which sells miles at 1.83 cents each in fixed blocks. 

UOB Payment Facility promotion

From 15 August to 31 October 2025, UOB cardholders can purchase miles from 1.6-1.8 cents each through the UOB Payment Facility.

💳 UOB Payment Facility Rates (One-time payment)
Card	Old Promo (ended 14 Aug 25)	New Promo (from 15 Aug 25)
UOB Reserve Card	1.9% 1.7%	1.9% 1.6%
UOB Privilege Banking Card	2.2% 2%	2.2% 1.8%
UOB Visa Infinite Metal Card	2.2% 2%	2.2% 1.8%
UOB PRVI Miles Card (all versions)	2.3% 2.1%	2.3% 1.8%
KrisFlyer UOB Credit Card	2.3% 2.1%	2.3% 1.8%
All Other UOB Cards	2.4% 2.2%	2.4% 1.8%
Note: the UOB Payment Facility runs almost perpetual discounts, making the regular rates largely theoretical.

This promotion is only available for one-time payments, where the full amount is charged to your next monthly card billing statement, together with the admin fee. The associated UNI$ will also be credited in a single lump sum.

All payments made via the UOB Payment Facility earn a flat rate of UNI$2.5 for every S$5 approved, regardless of card. In other words, the UOB Payment Facility earns 1 mpd with all UOB cards, instead of the regular earn rate. 

Given a 1 mpd earn rate, the cost per mile is basically the admin fee, e.g. 1.8% means 1.8 cents per mile.

To illustrate, let’s say you hold a UOB PRVI Miles Card and want to buy 5,000 miles with the one-time payment option. Here’s how the process works:

Applications are processed within six working days.

Terms and conditions

The T&Cs for this promotion can be found here.

This is better than DBS’s promo…

Details

DBS is running a similar miles purchase promotion called Elevate Your Escape, which allows DBS Altitude (both AMEX and Visa) and DBS Vantage Cardholders to purchase additional DBS Points at the following rates. 

Cardholders can register for both Tier 1 and Tier 2 to buy a maximum of 450,000 miles, at a cost ranging between 1.83 to 1.9 cents each. DBS Points will be posted by 29 November 2025. 

However, the UOB Payment Facility is clearly the superior option.

• It’s cheaper at 1.8 cents per mile
• You can purchase miles in any denomination you wish
• You can purchase as many miles as you want
• Your UNI$ will be credited as soon as the transaction is posted
• It deposits cash into your bank account, which is effectively a free float of up to 52 days (assuming the transaction was processed on the first day of your statement cycle, with payment due 21 days from the statement date)

The good news is that you can withdraw from Elevate Your Escape, despite what the T&Cs say. That’s because of a DBS boo-boo, which mistakenly listed an Accor Plus Explorer membership as part of the inclusions when the promo first launched.

In light of this, DBS will be permitting withdrawals, which can be done by calling up customer service.

…but there are cheaper alternatives

Before you buy miles through the UOB Payment Facility, do make a point of checking whether you could potentially be paying less through alternative bill payment platforms like CardUp or Citi PayAll.

For example, a UOB PRVI Miles Cardholder could make the following bill payments via CardUp and earn 1.4 mpd, buying miles from as little as 1.17 cents each.

CardUp’s full list of 2025 promotions can be found in the article below.

Full list of CardUp promo codes for 2025

Likewise, Citi PayAll is now offering 1.8 mpd on income tax payments, and 1.6 mpd on non-tax payments, with a minimum spend of S$6,000 on non-tax payments (waived for customers with a Citi banking relationship). This offers a cost per mile of 1.44 to 1.63 cents, depending on the overall mix of tax and non-tax payments.

Citi PayAll offering 1.8 mpd on tax & 1.6 mpd on non-tax payments

So why would anyone be willing to buy miles through the UOB Payment Facility? Well, both CardUp and Citi PayAll require that payments be associated with a genuine economic transaction, such as rent or a helper’s salary. Transferring money to yourself does not count.

CardUp also requires documentation for most payments. Citi PayAll is more lax with the documentation requirement, but still has rules against paying yourself or overpaying taxes just to generate miles (I’m sure there are people who get away with this, but if you get caught that’s your problem).

Now, realistically speaking, most people should be able to find some sort of bill to pay through either platform, given their wide scope of coverage.

But if you’re lucky enough to have no bills in your life, then the UOB Payment Facility would be the next best alternative.

Another scenario where the UOB Payment Facility could come in handy is topping up your account to the next transfer block of 5,000 UNI$. For example, if you have 23,500 UNI$ in your account, you could charge S$3,000 to the UOB Payment Facility to earn another 1,500 UNI$, allowing you to transfer out a total of 25,000 UNI$ and avoid orphan points.

What can you do with UNI$?

UNI$ can be transferred to three frequent flyer programmes (though it’s really two, because converting points to AirAsia is like throwing them away) at the following ratio:

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

Transfers cost S$25 each, regardless of how many points are transferred. However, if you hold a UOB Reserve, UOB Visa Infinite Metal, UOB Visa Infinite or UOB Privilege Banking Card, you will enjoy free conversions of all UNI$, including those earned on the UOB PRVI Miles Card. 

Conclusion

From now till 31 October 2025, UOB cardholders can purchase as many miles as they wish through the UOB Payment Facility at 1.6 to 1.8 cents apiece. While lower than the usual rates, this is not the cheapest way of buying miles, and those with legitimate bills to pay should be exploring CardUp and Citi PayAll instead.

However, it is superior to DBS’s Elevate Your Escape promotion, and those who opted in for that offer should check if they’re able to withdraw and take advantage of this instead. Also, if you simply crave convenience, or if you’re dealing with an orphan block of UNI$, then this might be worth a look.