UOB Payment Facility offering unlimited miles at 1.7 to 2.2 cents each

For most of 2026, the UOB Payment Facility has been running a promotion that allows cardholders to buy unlimited miles from 1.6 to 1.8 cents each. 

The promotion has now been renewed until 31 January 2027, and while the rates are still discounted from the regular fees — which are almost never charged — the bad news is that the cost per mile now ranges from 1.7 to 2.2 cents each.

UOB Payment Facility

Even if you don’t find the price attractive, it’s still worth paying attention to, because the UOB Payment Facility is an important bellwether for the cost of miles. 

It’s essentially unrestricted — you can buy as many miles as your credit limit allows, without submitting supporting documents or invoices. Therefore, it effectively sets the ceiling for purchasing miles.

If you can buy as many miles as you want at X, no questions asked, there’s no reason to pay more than X. That applies whether you’re paying explicitly, through bill payment platforms like Citi PayAll or CardUp (which may require documentation), or implicitly, by paying FX fees on a card instead of spending on a fee-free option like the Trust Freedom Card.

UOB Payment Facility promotion

UOB cardholders who apply for the UOB Payment Facility and receive approval from 2 November 2026 to 31 January 2027 can purchase miles from 1.7 to 2.2 cents each.

💳 UOB Payment Facility Rates (One-time payment)
Card	Admin Fee
UOB Reserve Card	1.9% 1.7%
UOB Privilege Banking Card	2.2% 2.0%
UOB Visa Infinite Metal Card	2.2% 2.0%
UOB PRVI Miles Card (all versions)	2.3% 2.1%
KrisFlyer UOB Credit Card	2.3% 2.1%
All Other UOB Cards	2.4% 2.2%
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. 2.1% means 2.1 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.

Do note that the maximum approved amount (including the admin fee) cannot exceed 95% of the available credit limit of your UOB credit card at the time of approval. If your credit limit is insufficient, you can make a manual prepayment to your card account.

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 check whether you could potentially be paying less through alternative bill payment platforms like CardUp, Citi PayAll or SC EasyBill.

CardUp suffered a significant fee hike in June 2026, but even so, a UOB PRVI Miles Visa cardholder could make the following bill payments and buy miles from 1.57 cents each — lower than the UOB Payment Facility.

Category (Promo Code)	Cost Per Mile (UOB PRVI Miles Visa @ 1.4 mpd)
Tax MLTAX26R	1.57¢
Homeowner Recurring Payments 3HOME2026	1.59¢
Rental RENT230	1.61¢
Recurring Payments REC235	1.64¢

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

Full list of CardUp promo codes for 2026

Citi PayAll is currently offering a 0.3% fee rebate (0.6% fee rebate for Citi Private Client customers with Accredited Investor status) off the usual 2.6% fee for customers who charge at least S$6,000 by 31 December 2026. This makes Citi PayAll cheaper than the UOB Payment Facility for Citi ULTIMA, Prestige and PremierMiles cardholders (unless you have a UOB Reserve Card, which beats the Prestige and PremierMiles).

Card	Earn Rate	Cost Per Mile
		2.3% fee Regular	2.0% fee CPC & AI
Citi ULTIMA	1.6 mpd	1.44¢	1.25¢
Citi Prestige Apply	1.3 mpd	1.77¢	1.54¢
Citi PremierMiles Apply	1.2 mpd	1.92¢	N/A
Citi Rewards Apply	0.4 mpd	5.75¢	N/A

Finally, SC EasyBill increased its admin fee from 1.9% to 2.5% in September 2026, without any notice. Still, customers can purchase miles from 1.25 cents each, depending on which card they hold.

Card	Earn Rate	Cost Per Mile 2.5% fee
SC Beyond Card Priority Private Priority Banking Apply	2 mpd	1.25¢
SC Beyond Card Regular Apply	1.5 mpd	1.67¢
SC Visa Infinite Step-Up Rate Apply	1.4 mpd*	1.79¢
SC Journey Card Apply	1.2 mpd	2.08¢
SC Visa Infinite Regular Rate Apply	1 mpd	2.5¢
SC Priority Banking Visa Infinite Apply	1 mpd	2.5¢
*1.4 mpd with min. S$2,000 overall spend in a statement month, otherwise 1 mpd

In any case, all these platforms 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 and SC EasyBill are more lax with the documentation requirement, but still have 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 any of these platforms, 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 UNI$5,000. For example, if you have UNI$23,500 in your account, you could charge S$3,000 to the UOB Payment Facility to earn another UNI$1,500, allowing you to transfer out a total of UNI$25,000 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$27 each, regardless of how many points are transferred. However, if you hold a UOB Reserve, UOB Visa Infinite Metal, UOB Visa Infinite or UOB Privilege Banking Card, you will enjoy free conversions of all UNI$, including those earned on the UOB PRVI Miles Card. 

Conclusion

The UOB Payment Facility promotion has been extended until 31 January 2027, but miles now cost 1.7 to 2.2 cents each, compared to 1.6 to 1.8 cents previously. That’s not a good deal by any measure, and anyone with genuine bills to pay will find cheaper options with CardUp, Citi PayAll and SC EasyBill.

That said, the appeal of the UOB Payment Facility is its convenience. You can simply buy as many miles as your credit limit allows, making it useful when you’re short of miles for a specific redemption, or need to top up an orphan block of UNI$.

Even if you never use it, monitor the pricing, because as long as unlimited miles can be bought for 1.7 to 2.2 cents each, there’s little reason to pay more anywhere else — at least for KrisFlyer and Asia Miles.