UOB has launched a new Bill & Tax Super Saver promotion, which offers a 6% rebate on GIRO bill payments for income tax, property tax, road tax, as well as selected insurance, telco and utilities bills.
This rebate is capped at a maximum of S$50 per month for the next 12 months, with the cap scaling based on the Monthly Average Balance (MAB) in your UOB account.
While the rebate and cap are similar to last year’s promotion, the scope back then was limited to just income and property tax payments made with a UOB One Account. This year’s promotion casts a much wider net, and you can even enjoy multiple rebates per month, should you have multiple eligible UOB accounts.
UOB offering 6% rebate on bill payments
From 1 April 2026 to 31 March 2027, UOB customers can enjoy a 6% rebate on the following bill payments made through GIRO.
| Category | Eligible Merchants |
| Tax |
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| Insurance |
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| Utilities |
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| Telco |
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To earn this rebate, customers will need to complete the following three steps:
- Register their mobile number for PayNow on UOB TMRW
- Activate Money Lock on UOB TMRW (minimum S$1 lock amount)
- Apply for the GIRO monthly payment plan through the relevant organisation, selecting an eligible account for deduction
No further action is required if you have already performed all these activities prior to 1 April 2026.
| ❓Which account for PayNow and Money Lock? |
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For the avoidance of doubt, PayNow and Money Lock can be registered on any UOB account, not necessarily the one where the GIRO deduction comes from. You must keep your PayNow registration and Money Lock activated for the entirety of each month during the promotion period. Where this is not done, you will not be eligible for any rebate for that month. |
Eligible accounts are defined as the following:
- KrisFlyer UOB Account
- UOB One Account
- UOB Lady’s Savings Account
- UOB Uniplus Account
If these criteria are met, customers will receive a 6% rebate on the deducted GIRO amount, with the monthly cap determined by the MAB in the account.
| Account MAB | Rebate | Monthly Cap |
| ≥S$30K and <S$75K | 6% | S$10 |
| ≥S$75K and <S$150K | 6% | S$25 |
| ≥S$150K | 6% | S$50 |
Here’s the monthly GIRO amount that would trigger the cap for each MAB band:
- MAB of ≥S$30K and <S$75K: S$166.67 per month
- MAB of ≥S$75K and <S$150K: S$416.67 per month
- MAB of ≥S$150K: S$833.34 per month
For example, if a UOB One Accountholder with a MAB of S$150,000 pays an eligible GIRO bill worth S$800, he can expect to receive a S$48 cash rebate.
If you have multiple eligible accounts, you are entitled to earn multiple payment rebates, subject to each account satisfying its own eligibility conditions.
When will the rebate be credited?
The 6% rebate will be credited to the same account from which the eligible GIRO deduction was made, within the next two calendar months.
Terms & Conditions
The T&Cs for this promotion can be found here.
How does this compare to last year’s promotion?
In 2025, UOB ran a similar 6% rebate for GIRO payments. However, this was much more limited in scope, covering tax payments made from a UOB One Account only.
In contrast, this year’s promotion covers a wider range of payments, with more types of UOB accounts eligible. Moreover, it can be enjoyed multiple times, should you have multiple eligible accounts.
| 2025 Promo | 2026 Promo | |
| Accounts | UOB One only |
|
| Bill Type | Tax only |
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| Rebate | 6% | |
| Monthly Cap | S$10 to S$50 | |
| PayNow? | Yes | |
| Money Lock? | Yes | |
What if I want to earn miles on my bills?
If you don’t care about miles, then it’s a simple matter of switching your GIRO arrangements to an eligible UOB account, sitting back and watching the rebates come in each month.
But I’m guessing that most miles chasers might want to use this opportunity to buy some additional miles through a bill payment facility like CardUp or Citi PayAll. The good news is that this is still possible, with a little more micromanagement (though nothing too onerous).
The first thing is to understand whether the payment facility you’re considering is indirect or direct.
| Indirect Payment Facilities | Direct Payment Facilities |
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Both indirect and direct facilities work the same in the sense that your credit card is charged for the tax amount due plus an admin fee, earning miles in the process.
Where they differ is that:
- An indirect payment facility deposits the amount due into your designated bank account, in cash. You’re still responsible for paying the billing organisation
- A direct payment facility pays the billing organisation on your behalf
Indirect facility
If you’re using an indirect payment facility such as the StanChart Income Tax Payment Facility, or UOB Payment Facility, then there’s zero interaction with the UOB 6% rebate promotion.
Indirect payment facilities do not make any payment to billing organisations on your behalf, so your monthly GIRO deductions are unaffected.
Direct facility
If you’re using a direct payment facility such as CardUp, Citi PayAll or SC EasyBill, then it’s a little different.
Direct payment facilities make payment to the billing organisation on your behalf, which will affect the monthly GIRO deduction. But you’re perfectly at liberty to pay part of your bill through a direct payment facility, and the rest through GIRO.
Using income tax as an illustration, if your monthly bill were S$2,000, you could:
- Pay S$1,167 via CardUp each month
- Let the remaining S$833 be deducted from GIRO to earn a S$50 rebate (assuming your UOB account’s MAB is at least S$150K)
CardUp allows you to specify a specific amount you wish to pay each month, so long as you don’t overpay your tax bill.
It’s a similar concept for Citi PayAll or SC EasyBill— decide the split you want between miles and cashback, make a manual payment for the miles portion through the direct payment facility, and let the balance be deducted via GIRO.
Now, here’s the crucial thing to remember. Billing organisations trigger GIRO deductions on specific dates each month. To avoid a double deduction, I’d recommend making your manual payment at least two weeks in advance of this date.
Conclusion
For the next 12 months, UOB account holders can earn a 6% rebate on tax and other GIRO bill payments, capped at up to S$50 per month. It should only take a few minutes to switch your existing billing arrangements, especially if eGIRO is supported, so you might as well do so.
Remember, this doesn’t preclude you from earning miles on those expenses through bill payment facilities. You can still make partial payments through a platform like CardUp or Citi PayAll, with the balance settled through GIRO. In fact, given the monthly cap, that’s probably the smarter way of going about things.
