UOB Preferred Platinum Visa Card

UOB Preferred Platinum Visa Card

• Up to UNI$10 per S$5 spend (4 miles per S$1)

The UOB Preferred Platinum Visa Card is a great choice for those who love dining out, shopping online, or paying with mobile wallets. Cardholders earn 10X UNI$ (equivalent to 4 miles per S$1) on online and contactless mobile transactions, including popular categories like food delivery, streaming subscriptions, and retail purchases. For all other spend, you’ll earn 1X UNI$ per S$5 spent. 

With its generous rewards structure and no minimum spend requirement, this card suits digitally savvy consumers who prefer earning miles or points on everyday digital payments. It’s especially ideal for those who use Apple Pay, Google Pay, or similar mobile wallets and want to maximise rewards effortlessly.

UOB Preferred Platinum Visa Card at a glance

Air miles/Cashback

4.5/5

• Earn 10X UNI$ (equivalent to 4 miles per S$1) on online and mobile contactless transactions, including dining, food delivery, fashion, entertainment, and transport.
• Earn 1X UNI$ per S$5 on all other retail spend.
• No minimum spend required to qualify for bonus UNI$.
• UNI$ can be converted to KrisFlyer miles or other airline partners.
• Excellent rewards card for everyday digital payments and online purchases.

Overseas spending

3.5/5

• Overseas contactless payments via mobile wallets earn 10X UNI$ (if processed in SGD).
• Foreign currency transactions processed overseas may only earn 1X UNI$ per S$5 spent.
• Standard foreign transaction fee of 3.25% applies.
• Best suited for local or SGD-processed online transactions rather than overseas physical spend.

Travel

2/5

• No complimentary airport lounge access.
• No travel insurance or airport privileges included.
• UNI$ can still be redeemed for air miles, offering indirect travel value.
• Ideal for earning miles before your trip rather than using it during travel.

Bill payment

2/5

• Recurring bill payments (utilities, insurance, education) generally excluded from 10X UNI$ rewards.
• Only specific MCCs qualify for bonus UNI$; non-eligible payments earn base rate.
• Limited rewards potential if you primarily use the card for regular household bills.

Petrol

2.5/5 

• Most petrol stations do not qualify for 10X UNI$ bonus unless payment is made via mobile wallets accepted by the station.
• Earn 1X UNI$ per S$5 on other petrol spend.
• Better used for online and lifestyle spend rather than fuel purchases.

Annual interest rate and fees

• Annual principal fee: S$196.20 (inclusive of GST)
• Fee waiver: 1-year waiver for principal card
• Interest-free period: 20 days
• Annual interest rate: 27.8% p.a.
• Late payment fees: S$100 if minimum payment is not received by due date.
• Minimum monthly repayment: 3% of current balance or S$50, whichever is higher.
• Foreign currency transaction fee: 3.25%
• Cash advance transaction fee: 8% of amount withdrawn or S$15, whichever is higher.

Minimum income requirements

• Singaporean/PR (55 years old and below) minimum income: S$30,000 
• Singaporean/PR (56 years old and above) minimum income: S$15,000
• Foreigner minimum income: S$40,000

Why apply for the UOB Preferred Platinum Visa Card

Perks and benefits

• Earn 10X UNI$ (equivalent to 4 miles per S$1) on online shopping, entertainment, and mobile contactless payments.
• Enjoy 1X UNI$ per S$5 spent on all other transactions.
• No minimum spend required to qualify for the 10X UNI$ bonus.
• Compatible with mobile wallets including Apple Pay, Google Pay, and Samsung Pay.

Additional benefits

• First-year annual fee waiver.
• UNI$ can be redeemed for KrisFlyer miles or shopping vouchers.
• Simple, fuss-free earning system ideal for everyday online and contactless transactions.

Everyday value

• Perfect for digitally savvy spenders who rely on mobile payments and online shopping.
• Strong value for urban professionals who prefer earning miles on daily purchases.
• Less ideal for frequent overseas travellers, as foreign currency transactions earn only the base UNI$ rate.

SingSaver’s take

The UOB Preferred Platinum Visa Card is one of Singapore’s most versatile lifestyle rewards cards, offering 10X UNI$ (4 mpd) on all online and mobile contactless transactions. With no minimum spend required, it’s especially convenient for those who make frequent digital payments, from dining and delivery apps to transport and retail. 

While it lacks travel perks like lounge access or insurance, its rewards system makes it one of the best options for earning miles on everyday spending.

Card comparison

The UOB Preferred Platinum Visa Card stands out for its 10X UNI$ rewards (equivalent to 4 miles per S$1) on online and mobile contactless transactions, making it one of the most rewarding lifestyle cards in Singapore for digital spenders who shop, dine, and pay through mobile wallets.

Application process

1. Click “Apply Now” on this page and you will be redirected to UOB’s site to complete the application process. Applying with MyInfo (Singaporeans/PRs only) will speed up the application process.
2. Alternatively, you may head down to a physical branch to apply.
3. Wait for UOB to approve your card.
4. You can start using your card once it has been approved by adding it to your mobile wallet.

Frequently asked questions about UOB Preferred Platinum Visa Card