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 May 2026.

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 basically a rehash of the offer we saw back in August 2025, and is one of the better UOB Payment Facility promos we’ve seen.

UOB Payment Facility promotion

From 1 March to 31 May 2026, 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	Admin Fee
UOB Reserve Card	1.9% 1.6%
UOB Privilege Banking Card	2.2% 1.8%
UOB Visa Infinite Metal Card	2.2% 1.8%
UOB PRVI Miles Card (all versions)	2.3% 1.8%
KrisFlyer UOB Credit Card	2.3% 1.8%
All Other UOB Cards	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.

Are there 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 1.26 cents each.

CardUp’s full list of 2026 promotions can be found in the article below.

Full list of CardUp promo codes for 2025

Citi PayAll is not running any promotion at the moment, which means that the cost per mile will be unattractively high for everyone except Citi ULTIMA Cardholders (and if you’re in a position to get that, you could probably get a UOB Reserve Card too).

Card	Earn Rate	Cost Per Mile  (@ 2.6% fee)
Citi ULTIMA	1.6 mpd	1.63 cents
Citi Prestige	1.3 mpd	2.00 cents
Citi PremierMiles	1.2 mpd	2.17 cents
Citi Rewards	0.4 mpd	6.50 cents

In any case, both CardUp and Citi PayAll require that payments be associated with a genuine economic transaction, such as rent or a helper’s salary. You cannot simply transfer money to yourself.

To this end, CardUp requests 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 May 2026, 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 instead.

That said, if you simply crave convenience, or if you’re dealing with an orphan block of UNI$, then this might be worth a look.