How To Redeem UOB Rewards Points

Alevin Chan

Alevin Chan

Last updated 11 March, 2024

UOB has an extensive credit card loyalty programme that gives out UNI$ to customers when they spend on selected credit cards. In this guide, we discuss which cards let you earn UNI$, how many points you can earn, and what you can do with them.  


Overview: UOB Rewards Points

UOB Rewards Points are known as UNI$, and are awarded on eligible transactions with selected UOB credit cards. Besides credit card spends, UNI$ are also awarded as sign-up bonuses, and you can earn bonus UNI$ when transacting with participating merchants or selected spending categories.

UNI$ are awarded for every S$5 spent, so this may account for minute differences between how many UNI$ you’re expecting and the actual amount you receive. They are redeemable for air miles, vouchers and cash credit to offset your bills or purchases, making for a pretty versatile perk.

Table of contents



Which UOB credit cards give you UNI$ for retail spend?

You can only earn UNI$ when you spend with the following cards: 

  • UOB PRVI Miles Card
  • UOB Lady’s Cards
  • UOB Visa Signature Card
  • UOB Visa Infinite Metal Card

Each of these cards grant UNI$ on eligible transactions at different rates. See the following chart for a summary.

UOB Credit Card
UNI$ earn rate
Welcome gift and bonus UNI$ merchants
UOB Lady’s/Lady’s Solitaire Card
10 UNI$ per S$5 spent on selected spending category(ies)
 
1 UNI$ per S$5 spent on all other transactions
N/A
UOB PRVI Miles 
3.5 UNI$ per S$5 spent on local transactions (equivalent to 1.4 miles per S$1)
 
6 UNI$ per S$5 spent on foreign currency transactions or overseas purchases (equivalent to 2.4 miles per S$1)
Up to 50,000 miles (25,000 UNI$) upon sign-up, with min. spend of S$1,000/mth for first two months, and payment of annual fee
 
Up to 15 UNI$ per S$5 spent on major airlines and hotels worldwide via Agoda and Expedia
UOB Visa Signature Card
10 UNI$ per S$5 spent on overseas, online, petrol and contactless transactions
 
1 UNI$ per S$5 spent on all other transactions
N/A
UOB Visa Infinite Metal Card
3.5 UNI$ per S$5 spent on local transactions (equivalent to 1.4 miles per S$1)
 
6 UNI$ per S$5 spent on foreign currency transactions or overseas purchases (equivalent to 2.4 miles per S$1)
Up to 80,000 miles (40,000 UNI$) upon sign-up, with min. spend of S$4,000 within first 30 days, and payment of annual fee
 
Bonus 15,000 miles (7,500 UNI$) upon renewal with min. spend of S$100,000 in the membership year

UOB credit cards that offer cashback do not award UNI$. Instead, any eligible cashback due to you is applied directly to your credit card bill, allowing you to save on your card transactions. 


How to earn UNI$ with UOB credit cards

UOB Lady’s Card

uob-ladys-cardThis is a shopping-oriented card that lets you select a preferred spending category from the following list:

  • Fashion
  • Dining
  • Travel
  • Beauty and Wellness
  • Family
  • Transport 
  • Entertainment

Transactions made in the selected category will earn 10 UNI$ per S$5 spent. You may change your preferred category once every quarter. All other purchases charged to your card will earn 1 UNI$ per S$5 spent. 

There is no minimum spend required to earn UNI$. 

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

UOB Lady's Card Welcome Gift: Enjoy the following rewards when you sign up for a UOB Lady's Card (Team Air Miles):

Get a chance to enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900) when you are one of the first 150 applicants every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

 

UOB Lady’s Solitaire Card

uob-ladys-solitaire-cardAs the premium version of the UOB Lady’s Card, this card allows you to choose two different spending categories from the same list of seven listed above on which to receive 10 UNI$ per S$5 spent. This potentially increases the amount of UNI$ you can earn, depending on your spending habits.

Transactions in non-selected categories will earn 1 UNI$ per S$5 spent, and you can change your spending categories every quarter. No minimum spend is required to earn UNI$. 

UOB Lady's Solitaire Card Welcome Gift: Get a chance to enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900) when you are one of the first 150 applicants every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

 

UOB PRVI Miles Card

While this is advertised as an air miles card for travellers, you will receive UNI$ for eligible transactions in your account. You will then need to convert your UNI$ to air miles when you want to use them at a frequent flyer programme. 

We will cover how to convert UNI$ into air miles later on in this guide. 

This card gives you 3.5 UNI$ per S$5 spent (1.4 miles per S$1) on all local transactions. You will also earn 6 UNI$ per $5 spent (2.4 miles per S$1) for transactions made overseas or denominated in a foreign currency. 

There is no minimum spending required to earn UNI$, although each transaction has to be at least S$5.

UOB PRVI Miles World Mastercard Welcome Offer: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 30 June 2024 . T&Cs apply.

Alternatively, receive 25,200 miles when you are one of the first 50 to apply with first year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Plus, get another 4,800 miles (a total of 30,000 miles) when you make a min. overseas spend of S$1,000 per month for 2 consecutive months. Valid till 30 June 2024 . T&Cs apply.

 

UOB Visa Signature Card

UOB VISA SIGNATURE CARDThis card gives you 10 UNI$ per S$5 spent on overseas, online contactless and petrol transactions, with a minimum spend of S$2,000 per month (S$1,000 in local transactions and S$1,000 in foreign transactions). The maximum UNI$ you can earn this way is 4,000 UNI$ per month. 

If the minimum spend is not met, or for all other transactions, you will earn 1 UNI$ per S$5 spent.

UOB Visa Infinite Metal Card

UOB-Visa-Infinite-Card1The UOB Visa Infinite Metal Card is targeted at the affluent, with annual salary requirements of a minimum of S$120,000. Despite the steep requirements, this card has a UNI$ earn rate that is similar to that of the UOB PRVI Miles Cards.

You’ll earn 3.5 UNI$ per S$5 spent (1.4 miles per S$1) on all local transactions and 6 UNI$ per $5 spent (2.4 miles per S$1) for transactions made overseas or denominated in a foreign currency. 


Supplementary cards and UNI$

Supplementary cards will also earn UNI$ at the same rates as primary cards, but the reward points earned will be allocated to the primary card account. 

Only primary cardholders can redeem UNI$ for perks and privileges.


What can you do with UNI$?

Convert UNI$ into air miles

You may convert your UNI$ into KrisFlyer miles, Asia Miles or AirAsia BIG Points to redeem plane tickets, purchase seat upgrades or pay for other perks. 

For KrisFlyer and Air Asia, the conversion rate is 1 UNI$ to 2 miles, and conversions are carried out in blocks of 10,000 miles. This means you’ll need at least 5,000 UNI$ to make an air miles conversion.

For AirAsia BIG Points, you can convert 2,500 UNI$ for 4,500 points.

How to convert UNI$ into air miles

Once you have sufficient UNI$, you can request for them to be converted to KrisFlyer miles or Asia Miles by filling in this online form. Each conversion will cost a S$25 fee and will take approximately 14 working days. 

Meanwhile, AirAsia Points may be redeemed at the UOB rewards page – simply select how many blocks of points you want to convert, and check out your shopping cart. 

Automatic conversion of UNI$ to KrisFlyer miles

KrisFlyer members may opt for automatic conversion of UNI$ to miles by filling out the enrolment form. Once enrolled, UOB will perform an automatic conversion at the end of every calendar month, provided there is more than 15,000 UNI$ in your account. If there is an insufficient points balance, no conversion will take place for the month. 

Automatic conversion of miles is done in blocks of 2,500 UNI$ (5,000 KrisFlyer miles). This service will incur a S$50 fee, paid annually. 


Redeem Instant Rewards

UNI$ may also be used to directly offset your purchases at participating merchants. 

To do so, simply present your eligible UOB credit card when making a payment and choose to offset your payment by the amount available to you. 

You can also purchase vouchers for participating brands using UNI$, and then use them to pay the next time you’re in store.  

Do note that Instant rewards redemption is not applicable for UOB American Express, Singtel-UOB, UOB JCB and UOB Union Pay Credit Cards, and redemptions may not be cancelled. 

At which merchants can I redeem my UNI$?  

Below we’ve listed some of the more popular merchants included under Instant Rewards. For the most updated list, be sure to check the UOB Rewards page

Merchant
UNI$ Instant Rewards
Best Denki S$50 voucher
5,280 UNI$
Fred Perry S$20 voucher
1,800 UNI$
Giant S$30 voucher
3,000 UNI$
Metro S$20 shopping voucher
1,890 UNI$
The Hour Glass S$50 voucher
5,550 UNI$
Club21 S$50 voucher 
3,600 UNI$
Din Tai Fung S$20 voucher
1,700 UNI$
UOB Travel Planner S$50 Voucher
3,088 UNI$ 

Pay with UNI$

Pay with UNI$ offers even more ways to use your UNI$. You can convert UNI$ into loyalty points on partner platforms or use UNI$ to pay for your purchases at participating merchants. 

See the following table for details. 

Partner merchant or platform
Pay with UNI$ 
Kris+ 
Convert UNI$ into KrisPay Miles
CapitaStar
Redeem UNI$ for eCapita vouchers
Frasers Experience (FRX)
Redeem UNI$ for FRX gift cards
SP Utilities
Offset your bill with UNI$
FavePay
Pay for your purchase with UNI$ 
Apple UOB Rewards Store
Offset your purchase with UNI$


How does Pay with UNI$ work?

In general, this is the process of how Pay with UNI$ works. 

  1. You’ll need to download the UOB TMRW mobile app and login in.
  2. You should also have the app of the merchant or platform you’re trying to pay using UNI$. For Apple products, you’ll need to be logged in at the UOB Apple Rewards Store
  3. Follow the detailed instructions for the relevant partner:

UOB Credit Card Welcome Offer: Receive S$350 Cash Credit or up to 50,000 miles when you apply for select UOB credit cards and fulfil the minimum spending requirements. Valid till 30 June 2024. T&Cs apply.


Frequently Asked Questions (FAQ)

Can I redeem my points online?

Yes, you can redeem your UNI$ online or using the UOB TMRW app. You may choose between air miles, vouchers, or to offset various bills and purchases. 

Can I convert rewards points to cash?

UNI$ may be converted to cash credits to offset your credit card statement. Ad-hoc conversions are available at any time on the UOB Rewards page, ranging from S$20 credit (2,000 UN$) to S$100 credit (8,700 UNI$).

You can also opt for automatic conversion of UNI$ for cash credit by signing up for the UOB Cash Rebate Auto Conversion Programme. This will allow the Bank to automatically convert your UNI$ for cash rebates at the end of every month, as long as there is sufficient UNI$ in your account.

Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


Read these next:

Best Women's Credit Cards in Singapore
How to Match Credit Cards to Your Spending Patterns
Use These 7 Credit Cards to Pay For Your Grab Rides
Best UOB Credit Cards in Singapore

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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