Unstoppable together

Beauty & Wellness

Beauty & Wellness comprises of cosmetics stores, drug stores, health and beauty stores. 

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Fashion

Fashion comprises of any department store, retail store or shopping website that sells clothes, shoes and bags as its main business activity.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Dining

Dining comprises of restaurants, fast food restaurants, online food delivery.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Family

Family comprises of Grocery stores and Baby & Kids stores.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Travel

Travel comprises of airlines, hotels & resorts bookings and duty-free stores.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Transport

Transport comprises of Fuel stations, Taxi rides and local commuter transport.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Entertainment

Entertainment comprises of bars, taverns, lounges, cinemas and Ticketing Servicing Providers.

Below is an example of a list of popular merchants that fall within this particular category. While the list can be a helpful guide, UOB does not control how individual merchants or purchases are categorized^#.

For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

^#Transaction categories are automatically categorised according to the Merchant Category Code (MCC). The MCC determines whether the transaction is eligible for BONUS UNI$ under each category. MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express). A merchant's registered MCC may not always correspond with its nature of business. Therefore, we cannot guarantee that a transaction will fall within your selected Preferred Category(ies) to qualify Bonus UNI$.

Monthly Average Balance refers to the summation of each day-end balance in the UOB Lady's Savings Account for each calendar month divided by the number of calendar days for that month.​

For illustration purpose only. Actual UNI$ earned will depend on the transaction amount for each transaction.

UNI$ can be converted into air miles at the conversion rate of UNI$1 = 2 miles.

Based on Singapore Airline's Saver Awards Chart as at October 2023, excluding taxes, charges and fees.

You do not need to choose your preferred reward category(ies) every quarter if you have already registered your selection before. However, if no selection is made, the previous quarter's selection will remain.

Wyndham Hotels & Resorts

Named the number one hotel rewards program by readers of USA TODAY, Wyndham Rewards® is the world’s most generous rewards program with more than 50,000 hotels, vacation club resorts and vacation rentals worldwide. Members earn a guaranteed 1,000 points with every qualified stay and access benefits such as savings on hotel rates, late check-out, early check-in, car rental upgrade, dedicated member services and more. Points earned can be redeemed for free nights at any of the approximately 9,100 hotels or tens of thousands of vacation club resorts and vacation rentals globally through affiliation with Wyndham Destinations and others.

Travelodge Cashback

Discover Travelodge Hotels Asia (TLA), a premier hospitality brand captivating Japan, Thailand, Hong Kong, Malaysia, Korea, and Singapore. With 17 hotels, TLA ensures an array of delightful stay options for global explorers. Additionally, TLA offers a Travelodge Cashback loyalty program, where valued guests are indulged with enticing benefits and cashback on qualifying stays.

Swiss-Belhotel International

Swiss-Belexecutive Card (SBEC) is Swiss-Belhotel International’s global loyalty program developed to appreciate the loyalty of our guests. SBEC Benefits program offers simple and flat discounts, making it easy for the guests to use it anywhere in our 125 hotels in 20 countries. Every visit, whether it’s a stay, dining or usage of any of our services with any value spent, will account towards reaching the milestones and greater benefits. With Mastercard, you can reach higher milestones immediately. Match your tier to ours and get higher benefits instantly.

I Prefer Hotel Rewards

I PreferHotel Rewards from Preferred Travel Group, extends points for multiple redemption options and other complimentary benefits to members upon eligible stays at more than 650 participating hotels and resorts in over 80 countries. Members instantly receive stay benefits based on their tier status, including free WiFi, early check-in, late check-out, and complimentary room upgrades. Members will earn points on eligible room nights, which can then be redeemed for free nights and experiences at properties worldwide.

Join the I Prefer Program for free with Mastercard and receive the following benefits*:

• Instant benefits with every eligible stay, such as free internet access, early check-in, and late check-out (based on availability)
• Access to exclusive member rates at over 650 hotels worldwide
• Points earned on eligible spend to redeem on free nights and experiences

*Benefits differ based on each I Prefer membership tier

LuxePay

A lady must prioritise - buy now and pay later with the UOB Lady's LuxePay Plan.

Put your new luxury purchase (shoes and bags) worth S$500 or more (local, online or overseas) on a 6 or 12-month instalment payment plan, absolutely free*!

• Avoid the burden of a lump sum repayment.
• Enjoy financial flexibility of 0% p.a. 6 or 12-month instalment plan, absolutely free.
  
  

Example:
If you purchase a new handbag for S$3,600 with UOB Lady's LuxePay, you only need to pay S$300 per month for the next 12 months*.

To apply:
SMS LuxePay<space>16 digit UOB Lady's Card number<space>Purchase amount<space>Loan Tenure<space>Merchant name to 77862 e.g. LuxePay 5421252101234567 $5000 6 Chanel

Alternatively, simply complete this ONLINE FORM and we will process the application form within 5 working days.

*Terms and conditions apply, please click here.

Rewards

UNI$ REWARDS

Shop and earn UNI$ to redeem air miles and vouchers for shopping, dining, beauty, and more!

Redeem your UNI$ today at uob.com.sg/rewards


AUTO CASH REBATE CONVERSION PROGRAMME
You can now automatically offset your monthly bills and purchases with your UNI$ monthly.

Sign up here


UOB$ PROGRAMME

Previously known as UOB SMART$ Rebate Programme, the new UOB$ Programme allows you to earn up to 10% instant cashback all year round for every transaction made in-stores at participating merchants. 

Visit uob.com.sg/rewardsplus for details.

ESHOP Benefits

E-COMMERCE PROTECTION
Shop with peace of mind. e-Commerce protection provides coverage for your online purchases. Click here for details.


UOB MASTERCARD PASS™
UOB MasterPass is a digital wallet that simplifies the way you shop online. It is the perfect combination of security and convenience. Safely store your payment and shipping information so that you can spend less time checking out and more time enjoying the things you love. Click here for details.

Complimentary travel insurance

• Overseas Medical Expenses of up to USD100,000 for both sickness and injury.

• Emergency Medical Evacuation/Return of Mortal Remains.

• Daily In-Hospital Cash Benefit of USD 100 per day.

• Overseas COVID-19 Diagnosis Quarantine Allowance of USD 100 per day.

  
  

*Cardholder must have completed the Benefit registration process prior to the commencement of their trip. The entire cost of Common Carrier fare must be charged to your UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card. Terms and conditions apply. Click here to register. Click here for more details.


Only applicable to UOB Lady’s Solitaire Card and UOB Lady’s Solitaire Metal Card

Cardholder must have completed the Benefit registration process prior to the commencement of their trip. Coverage starts on the day of successful cardholder registration and is valid for 12 months. Click here to register. Click here for full terms and conditions. The entire cost of Common Carrier fare must be charged to your UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card.

UOB Payment Facility
Frequently Asked Questions

• What is UNI$?
  It is a loyalty rewards programme where UOB Cardmembers earn UNI$ whenever he/she spend on his/her eligible Cards. Cardmembers can redeem for any exciting reward items from shopping, dining vouchers to movie tickets and more that are available in the UOB Rewards Catalogue via Personal Internet Banking or UOB TMRW app whenever he/she has sufficient UNI$.
• When do my UNI$ expire?
  UNI$ earned shall expire 2 years from the last day of each periodic quarter in which the UNI$ was earned.
• Can I choose to earn get cashback instead of UNI$ for my UOB Payment Facility transaction?
  No, UNI$ will be earned only on UOB Payment Facility transactions. You will continue to enjoy cashback on your other eligible card spend as per UOB One Card Terms and Conditions.

Click here for more FAQ on UNI$

Global Blue

Tax free shopping starts with Global Blue, who provides an enhanced yet simple approach to shopping Tax Free. Save time and money when you shop Tax Free at over 300,000 stores across the world’s best shopping districts.

Redemption Instruction:

Global Blue Membership

1. Visit website to sign up for Global Blue Membership and get your personalised digital barcode.
2. When setting up your profile, link your Mastercard World and World Elite Card to receive your tax refunds.
3. Present your membership barcode at participating stores to automatically fill in Tax Free Forms.
4. Once forms are validated, your refund will be automatically credited to your Mastercard World and World Elite Card.

Terms and conditions:

1. Membership profile must be fully completed for Tax Free Form autofill.
2. Mastercard World and World Elite Cards must be linked to the membership profile for tax refund autopay.
3. Membership digital barcode or passport must be presented when issuing Tax Free Form in the store.

City VIP Lounges

1. Visit the Global Blue VIP Lounge in the city.
2. Present your World and World Elite Card and Global Blue membership barcode or passport to the lounge staff.
3. Lounge staff will assist with refund process.

Terms and conditions:

1. Global Blue Membership sign-up is a must.
2. Mastercard World and World Elite Cards must be presented to the lounge staff.
3. Only cards issued by Mastercard Asia Pacific Consumer Banks are accepted.
4. Cardholders can bring a maximum of 4 family members or friends to enjoy the lounge benefits and proceed to receive their tax refund at the lounge.
5. Early refund is available to Mastercard World and World Elite Credit Cards only.

Airport Fast Lanes

1. Visit the Global Blue Refund Office at the airport.
2. Present your World and World Elite Card and Global Blue membership barcode or passport to the Refund Office staff.
3. Refund Office staff will assist with refund process.

 
Terms and conditions:

1. Global Blue Membership sign-up is a must
2. Mastercard World and World Elite Cards must be presented to the airport VIP lanes staff.
3. Only cards issued by Mastercard Asia Pacific Consumer Banks are accepted.
4. Cardholders can bring a maximum of 4 family members or friends to proceed tax refund at the VIP Fast Lanes.

Please ensure that your mobile number is registered and updated with UOB. Click here for details.

The Cardmember who notifies the Bank that her Card has been lost, stolen or PIN disclosed, shall not be liable for any Card transactions effected after the Bank has received notification of such loss, theft or disclosure, provided that such loss, theft or disclosure is not due to negligence, fraudulent act, or default on the part of the Cardmember. Please refer to the UOB Debit Cardmember Agreement for more details.

Up to S$510 worth of Grab vouchers and lululemon Gift Card, plus limited-edition silk twilly scarf comprises of 1) S$350 Grab Voucher, 2) S$100 lululemon Gift Card & limited-edition silk twilly scarf exclusively designed by Tiffany Lovage and EITHER 3a) S$60 lululemon Gift Card, OR 3b) S$30 lululemon Gift Card.

1) S$350 Grab Vouchers (UOB Credit Card Acquisition Promotion):
For the first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1 March 2023 and 31 March 2023 (both dates inclusive) and spend a min. of S$1,000 for 2 consecutive months from their card approval date, they will receive Grab vouchers worth S$350.Click here for full terms and conditions.

2) S$100 lululemon Gift Card & limited-edition silk twilly scarf exclusively designed by Tiffany Lovage (UOB Lady’s Credit Card Acquisition Promotion):
Promotion is only applicable for new-to-UOB credit card customers. Promotion is valid from 8 March 2023 to 30 April 2023 (“Promo Period”). Participants are required to successfully apply for a new UOB Lady's Credit Card during the Promo Period and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date on their new UOB Lady's Credit Card. Capped at first 200 eligible customers per promotion calendar month.

• First 50 eligible customers in each promotion calendar month are eligible for the S$100 lululemon gift card AND a limited-edition silk twilly scarf exclusively designed by Tiffany Lovage
• Subsequent 150 eligible customers in each promotion calendar month are eligible for the S$100 lululemon gift card only

Click here for full terms and conditions.

3a) S$60 lululemon Gift Card is only for the first 100 New to UOB Deposits customers per calendar month who (UOB Lady’s Savings Account Acquisition Promotion):
(i) successfully open a new UOB Lady’s Savings Account online between 8 March 2023 to 30 April 2023; and
(ii) deposit at least S$5,000 into their new UOB account within the account opening month and hold it till the end of the following calendar month.

3b) S$30 lululemon Gift Card is only for the first 100 existing to UOB Deposits customers per calendar month who (UOB Lady’s Savings Account Acquisition Promotion):
(i) successfully open a UOB Lady’s Savings Account online between 8 March 2023 to 30 April 2023;
(ii) deposit at least S$5,000 of fresh funds into their new UOB account within the account opening month and hold it till the end of the following calendar month; and
(iii) fresh funds deposited into the new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all other UOB current accounts and/or savings accounts of the customer as at 28 February 2023.

Click here for full terms and conditions.

Information is accurate as of 8 March 2023.

Up to S$560 worth of Grab vouchers, lululemon Gift Card and cash credit, plus limited-edition silk twilly scarf comprises of 1) S$350 Grab Voucher, 2) S$100 lululemon Gift Card & limited-edition silk twilly scarf exclusively designed by Tiffany Lovage and EITHER 3a) S$60 cash credit, OR 3b) S$30 cash credit, and 4) S$50 cash credit.

1) S$350 Grab Vouchers (UOB Credit Card Acquisition Promotion):
For the first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1 March 2023 and 31 March 2023 (both dates inclusive) and spend a min. of S$1,000 for 2 consecutive months from their card approval date, they will receive Grab vouchers worth S$350. Click here for full terms and conditions.

2) S$100 lululemon Gift Card & limited-edition silk twilly scarf exclusively designed by Tiffany Lovage (UOB Lady’s Credit Card Acquisition Promotion):
Promotion is only applicable for new-to-UOB credit card customers. Promotion is valid from 8 March 2023 to 30 April 2023 (“Promo Period”). Participants are required to successfully apply for a new UOB Lady's Credit Card during the Promo Period and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date on their new UOB Lady's Credit Card. Capped at first 200 eligible customers per promotion calendar month.

• First 50 eligible customers in each promotion calendar month are eligible for the S$100 lululemon gift card AND a limited-edition silk twilly scarf exclusively designed by Tiffany Lovage
• Subsequent 150 eligible customers in each promotion calendar month are eligible for the S$100 lululemon gift card only

Click here for full terms and conditions.

3a) S$60 cash credit is only for the first 200 New-to-UOB Deposit customers per calendar month who:
(i) Successfully open a UOB Uniplus Account, UOB Stash Account, KrisFlyer UOB Account, or UOB One Account online from 1 March 2023 to 30 April 2023, and
(ii) Deposits at least S$5,000 into their new UOB account within the account opening month and hold it till the end of the following calendar month.

OR

3b) S$30 cash credit is only for the first 200 Existing-to-UOB Deposit customers per calendar month who:
(i) Successfully open a new a UOB Uniplus Account, UOB Stash Account, KrisFlyer UOB Account, or UOB One Account online from 1 March 2023 to 30 April 2023;
(ii) Deposit at least S$5,000 of fresh funds into their new UOB Account within the account opening month and hold it till the end of the following calendar month; and
(iii) Fresh funds deposited into the new UOB Account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all other UOB current accounts and/or savings accounts of the customer as at 28 February 2023.

Click here for full terms and conditions governing UOB Online Account Opening Promotion (1 March to 30 April 2023).

And

4) S$50 cash credit is available under the UOB Salary Credit Campaign (1 January 2023 to 30 June 2023) for customers who have:
(i) Successfully submitted an online participation form here; and
(ii) Successfully credit monthly salary (of at least S$1,600) into an Eligible UOB Account via GIRO or PayNow within two calendar months from the date of submission of the participation form.

Click here for the Terms and Conditions governing UOB Salary Credit Campaign (1 January 2023 to 30 June 2023).

Information is accurate as of 8 March 2023.

Total interest is equivalent to Base Interest plus Bonus Interest; where current Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month.

Maximum effective interest rate (EIR) on the One Account is 2.40% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month.

The maximum annual interest for deposits of S$150,000 in the One Account is S$6,000 and is calculated based on the maximum effective interest rate (EIR) of 4.00% p.a., provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.

T&Cs apply. Insured up to S$100k by SDIC