How To Redeem UOB Rewards Points

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 spends?
• How to earn UNI$ with UOB credit cards
• Supplementary cards and UNI$
• What can you do with UNI$?
  • Convert UNI$ into air miles
• Redeem Instant Rewards
• Pay with UNI$
• Frequently Asked Questions (FAQ)

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 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

This 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$. 

UOB Lady’s Solitaire Card

As 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 PRVI Miles Card

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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 Visa Signature Card

This 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

The 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. 

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. 

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:
   • Kris+, CapitaStar and Frasers Experience
   • SP Utilities, FavePay and Apple

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.

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