UOB UNI$

Baseline Sources and Facts

No official/secondary baseline facts imported yet.

Field	Values
Programme type	airport_lounge, bank_transfer
Source layers	bank, official, user_reported
Transfer partners	KrisFlyer, KrisFlyer/Asia Miles
Routes / regions / hotels	Australia, China, Japan, Overseas, Overseas / FCY
Currencies	miles, miles/cashback, points, UNI$, UNI$ / UOB$

Community-Learned Rules and Datapoints

Claim 19529 (user verified, risk: low)

Depositing S$10,000 in the UOB Lady's Savings Account boosts the UOB Lady's Card earning rate to 6 mpd on the selected category.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Transfer partner	KrisFlyer/Asia Miles
Miles / points	6 mpd
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T10:25:44+00:00
Observed result	6 mpd with 10k deposit
Public/official layer	UOB Lady's Savings Account provides bonus miles (up to 6 mpd total) on UOB Lady's Card spend based on deposit level
Caveat	Requires maintaining the S$10,000 deposit in the UOB Lady's Savings Account

Claim 19424 (user verified, risk: low)

UOB Visa Signature and UOB Preferred Platinum Visa credit card points (UNI$) pool together.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature & UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T04:24:15+00:00
Observed result	Points accumulate together
Public/official layer	UOB credit card points pool across eligible cards

Claim 19384 (user verified, risk: low)

UNI$ earned on the UOB Visa Signature and UOB Preferred Platinum Visa (PPV) accumulate and pool together under the same customer profile.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T04:06:42+00:00
Observed result	Users confirmed points from UOB VS and UOB PPV accumulate together
Public/official layer	UOB UNI$ pool across eligible UOB credit cards
Caveat	Applies to cards under the same cardholder name

Claim 19383 (user verified, risk: low)

HSBC Revolution does not award bonus points for MCC 8099 (Medical Services and Health Practitioners), while UOB Visa Signature can earn 4 mpd on MCC 8099 via contactless payment.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Physiotherapy / Medical Services
Card	UOB Visa Signature
MCC	8099
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T03:56:58+00:00
Observed result	Users confirmed HSBC Revolution does not earn bonus on MCC 8099, and recommended UOB Visa Signature for 4 mpd
Public/official layer	HSBC Revolution excludes MCC 8099 from 10X rewards; UOB Visa Signature awards 10X UNI$ for contactless spend if minimum spend is met
Caveat	UOB Visa Signature requires a minimum local spend of S$1,000 per statement period to trigger the 4 mpd rate, capped at S$2,000.

Claim 19380 (user verified, risk: low)

UNI$ earned on the UOB Visa Signature and UOB Preferred Platinum Visa pool together automatically.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T04:07:39+00:00
Observed result	Points from VS and PPV accumulate together.
Public/official layer	UOB UNI$ pool across different cards belonging to the same customer.
Caveat	UOB Visa Signature requires a minimum contactless spend of S$1,000 to S$2,000 per statement month to earn 4 mpd.

Claim 19378 (user verified, risk: low)

UNI$ points earned from the UOB Visa Signature and UOB Preferred Platinum Visa (PPV) accumulate and pool together.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T04:07:39+00:00
Observed result	Points from both cards are combined in the same UNI$ balance
Public/official layer	UOB UNI$ pool across eligible credit cards
Caveat	Requires both cards to be under the same customer profile

Claim 19372 (user verified, risk: medium)

Linking the UOB Preferred Platinum Visa (PPV) to Alipay earns 4 mpd under online spending only if the underlying merchant's MCC is on the UOB PPV whitelist.

Field	Value
Status	context-dependent
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Route	Alipay
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T02:21:14+00:00
Observed result	Alipay transactions only earn 4 mpd if the underlying merchant MCC is whitelisted
Public/official layer	UOB PPV earns 4 mpd on whitelisted online transactions
Caveat	Earning 4 mpd is highly dependent on the merchant's MCC being whitelisted

Claim 19363 (user verified, risk: medium)

UOB Preferred Platinum Visa (PPV) linked to Alipay or WeChat Pay can earn 4mpd under the online category, provided the merchant's MCC falls within the UOB PPV online whitelist.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	Alipay/WeChat Pay merchants in China
Card	UOB Preferred Platinum Visa
Route	Alipay
MCC	Online whitelist MCCs
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Award route / region	China
Miles / points	4mpd
Devaluation risk	low
Last verified	2026-06-11
Last seen	2026-06-11T03:01:34+00:00
Observed result	Earns 4mpd if MCC is on the whitelist, but transport/travel are excluded
Public/official layer	4mpd on whitelisted online MCCs
Caveat	Subject to 50/50 chance depending on whether the merchant's MCC is whitelisted; transport and travel categories are typically excluded.

Claim 19200 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) earns 4 mpd on MCC 4112 (Passenger Railways) via mobile contactless, but online purchases do not qualify for the 4 mpd rate.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	LNER
Card	UOB Preferred Platinum Visa
Route	Apple Pay/Google Pay
MCC	4112
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:21:18+00:00
Observed result	Mobile contactless earns 4 mpd, online does not.
Public/official layer	PPV earns 10X UNI$ (4 mpd) on mobile contactless transactions, and online transactions only within specified MCCs (excluding 4112).
Caveat	Online transactions for MCC 4112 do not earn 4 mpd on PPV as it is not part of the online shopping whitelist.

Claim 19197 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) earns 4 mpd on MCC 4112 (Passenger Railways) only via mobile contactless payments; online purchases do not qualify for the 4 mpd bonus.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	LNER
Card	UOB Preferred Platinum Visa
MCC	4112
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T05:24:31+00:00
Observed result	Mobile contactless earns 4mpd, online does not.
Public/official layer	UOB PPV 10X UNI$ is awarded for mobile contactless transactions only.
Caveat	Online purchases of MCC 4112 will only earn the base rate of 0.4 mpd on this card.

Shopee NTUC Voucher Seller: MCC 5262 (exception, user verified, risk: medium)

User reported that purchasing NTUC vouchers from Shopee sellers may code under MCC 5262 (Lawn and Garden Supply Stores), which does not qualify for the UOB Lady's Card Fashion category.

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	Shopee NTUC Voucher Seller
Card	UOB Lady's Card
MCC	5262
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T16:59:50+00:00
Observed result	Codes as MCC 5262, failing to earn under Lady's Fashion category
Caveat	Based on user recollection of a specific Shopee voucher seller

Claim 19060 (user verified, risk: medium)

Purchasing fashion items on Shopee using the UOB Lady's Card under the Fashion category carries a risk of not earning bonus points as transactions may code under non-fashion MCCs like MCC 5262.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Shopee
Card	UOB Lady's Card
MCC	5262
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T16:26:39+00:00
Observed result	Shopee purchases can code as MCC 5262, missing out on the Fashion category bonus
Public/official layer	UOB Lady's Card Fashion category requires specific fashion-related MCCs to earn bonus points
Caveat	Shopee marketplace transactions are unpredictable and may not code under standard fashion MCCs

Claim 19033 (user verified, risk: low)

UOB Visa foreign currency transactions (such as at Coles or Woolworths in Australia) can post on the same day, potentially impacting statement cycle spending caps unexpectedly.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Coles / Woolworths Australia
Card	UOB Visa Cards
MCC	5411
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Award route / region	Australia
Devaluation risk	low
Last verified	2026-06-10
Last seen	2026-06-10T03:06:52+00:00
Observed result	Transactions posted on the same day, bursting the user's monthly cap before the cycle reset.
Caveat	Staggering card statement cycle dates is recommended to avoid vacuum periods if caps are breached early due to same-day posting.

Claim 18690 (user verified, risk: low)

The UOB Preferred Platinum Visa card continues to earn a base rate of 0.4 mpd (UNI$1 per S$5) after the monthly bonus cap is maxed out.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	0.4 mpd
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T14:33:37+00:00
Observed result	Earns 0.4 mpd base rate after maxing cap
Public/official layer	UNI$1 per S$5 spent for base spend, bonus UNI$9 per S$5 spent up to cap.
Caveat	Applies to eligible transactions after reaching the monthly bonus cap.

Claim 18687 (user verified, risk: low)

Once the monthly bonus cap on the UOB Preferred Platinum Visa (PPV) is maxed out, transactions continue to earn the base rate of 0.4 mpd.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	0.4 mpd
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T14:33:37+00:00
Observed result	Users confirm that spending past the cap still yields the base 0.4 mpd rate.
Public/official layer	Earns 4 mpd on mobile contactless spend up to the monthly cap, and 0.4 mpd thereafter.
Caveat	Base rate of UNI$1 per S$5 spent (equivalent to 0.4 mpd) applies.

Claim 18464 (user verified, risk: medium)

UOB Preferred Platinum Visa automatically deducts 6,500 UNI$ from the user's balance to pay for the annual fee, with no option to opt out of this automatic deduction.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	6500
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T03:31:25+00:00
Observed result	6,500 UNI$ automatically deducted for annual fee with no opt-out option
Public/official layer	UNI$ is automatically used to pay for the annual fee
Caveat	If the waiver is rejected, users must call customer service to appeal the deduction.

Claim 18462 (user verified, risk: medium)

UOB Preferred Platinum Visa automatically deducts 6,500 UNI$ for its annual fee if a waiver is rejected, and this auto-deduction cannot be opted out of.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	6500 UNI$
Fees / surcharges	Annual fee auto-deduction
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T03:39:15+00:00
Observed result	6,500 UNI$ deducted automatically upon waiver rejection; points can be preserved by holding another UNI$ card before cancelling.
Public/official layer	UNI$ is automatically used to pay for annual fees under UOB PPV T&Cs.
Caveat	To prevent losing the UNI$ upon card cancellation, users must hold another UNI$-earning card to keep the points pool active.

Claim 18456 (user verified, risk: low)

UOB PRVI Miles annual fee waivers can be requested and instantly approved through the UOB TMRW app, with the deducted UNI$ and fee amount credited back the next day.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	UOB
Card	UOB PRVI Miles
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Transfer time	1 day
Fees / surcharges	Annual fee waived
Devaluation risk	low
Last verified	2026-06-09
Last seen	2026-06-09T04:07:13+00:00
Observed result	Waiver approved instantly via app, miles and fee amount credited back the next day.
Caveat	Subject to UOB's automated waiver eligibility criteria.

Claim 18101 (user verified, risk: low)

Paying NHG (National Healthcare Group) bills via the HealthHub app using the UOB Woman's World Mastercard codes as MCC 9399 (Government Services), which is excluded from earning points.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	NHG (National Healthcare Group)
Card	UOB Woman's World Mastercard
Route	HealthHub
MCC	9399
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-08
Last seen	2026-06-08T15:07:21+00:00
Observed result	Coded as MCC 9399, earning no bonus miles
Public/official layer	MCC 9399 is excluded from earning UNI$ on UOB cards
Caveat	Government services are standard exclusions for UOB cards

Claim 17640 (user verified, risk: low)

Topping up Touch 'n Go (TnG) eWallet is classified under MCC 6540 and is excluded from earning rewards on the UOB Visa Signature card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Touch 'n Go eWallet
Card	UOB Visa Signature
MCC	6540
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-07
Last seen	2026-06-07T14:58:43+00:00
Observed result	Excluded from rewards and does not count towards FCY spend
Public/official layer	MCC 6540 is excluded from earning UNI$ on UOB cards
Caveat	Classified as a financial institution/stored value top-up which is a standard exclusion

Unity (exception, user verified, risk: low)

User reported that topping up FairPrice physical gift cards at Unity outlets is no longer allowed, restricting the workaround of using the UOB Lady's Card under the Beauty & Wellness category to earn high rewards on grocery spend.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Unity
Card	UOB Lady's Solitaire
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	high
Last verified	2026-06-07
Last seen	2026-06-07T08:50:11+00:00
Observed result	Staff rejected topping up FairPrice physical gift cards at Unity
Caveat	Confirmed at Westmall and NEX outlets

Claim 17578 (user verified, risk: high)

Topping up Touch 'n Go (TnG) eWallet with Singapore credit cards like UOB PRVI Miles earns 0 miles and incurs a 3.25% foreign currency transaction fee, alongside TnG's own credit card top-up fee.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Touch 'n Go
Card	UOB PRVI Miles
Route	Touch 'n Go eWallet
MCC	6540
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	0
Fees / surcharges	3.25% FCY fee + 2.6% TnG fee
Devaluation risk	low
Last verified	2026-06-07
Last seen	2026-06-07T10:15:59+00:00
Observed result	User observed 0 miles earned and high fees (2.6% TnG fee + 3.25% UOB FCY fee).
Public/official layer	Prepaid card/wallet top-ups are excluded from rewards on most Singapore credit cards.
Caveat	TnG charges a 2.6% fee for credit card top-ups, and UOB charges a 3.25% foreign currency transaction fee.

Claim 17262 (user verified, risk: low)

UOB Lady's Card awards bonus points strictly based on the transaction MCC and does not restrict rewards when paying via mobile wallets like Apple Pay.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Route	Apple Pay
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-06
Last seen	2026-06-06T09:32:27+00:00
Observed result	In-app Apple Pay transactions on selected categories successfully earn bonus miles
Public/official layer	UOB Lady's Card awards bonus points based on selected category MCCs
Caveat	Unlike some other cards, UOB Lady's does not have specific mobile contactless exclusions for its bonus categories.

Lazada: MCC 5262 (exception, user verified, risk: medium)

User reported that lazada transactions can code under MCC 5262 (Home Supply Warehouse Stores), which falls outside the UOB Lady's Card 'Shopping' bonus category.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Lazada
Card	UOB Lady's Card
MCC	5262
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-06
Last seen	2026-06-06T09:31:25+00:00
Observed result	Lazada transaction coded as MCC 5262 and did not receive bonus points
Public/official layer	UOB Lady's Shopping category covers specific department store and retail MCCs, excluding MCC 5262
Caveat	Lazada and other major e-commerce platforms use a pool of multiple MCCs, making their exact coding unpredictable.

Claim 17244 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) awards points for contactless spend at dental clinics, as the card's exclusions apply to hospitals but not dental services.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Dental clinics
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-06
Last seen	2026-06-06T11:54:47+00:00
Observed result	Does not exclude dental clinics
Public/official layer	Excludes hospitals
Caveat	Hospitals are excluded from earning points

Merchant (exception, user verified, risk: low)

User reported that uOB Visa Infinite cardholders may receive a retention offer of an additional 10,000 miles on top of the standard 25,000 miles when calling to cancel after the annual fee is posted.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Infinite
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	10,000 miles
Fees / surcharges	Annual fee
Devaluation risk	low
Last seen	2026-06-05T08:14:24+00:00
Observed result	Offered an additional 10,000 miles retention bonus (total 35,000 miles)
Public/official layer	Standard 25,000 miles for paying the annual fee
Caveat	Offered on a discretionary basis by the retention team after the annual fee has posted.

Merchant (exception, user verified, risk: low)

User reported that uOB Visa Infinite Metal cardholders may receive a retention offer of an additional 10,000 miles on top of the standard 25,000 miles renewal miles when negotiating after the annual fee posts.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Infinite Metal Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	35,000 miles total
Devaluation risk	low
Last verified	2026-06-05
Last seen	2026-06-05T08:14:24+00:00
Observed result	Retention team offered an additional 10,000 miles on top of the 25,000 miles to retain the cardholder.
Public/official layer	Standard 25,000 miles renewal gift upon paying the annual fee.
Caveat	Discretionary offer by the retention team; users typically call or email to cancel after the annual fee is posted to trigger this.

Merchant (exception, user verified, risk: low)

User reported that uOB Visa Infinite cardholders can negotiate a retention offer of an additional 10,000 miles on top of the standard 25,000 miles when appealing the annual fee after it posts.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Infinite
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	35,000 miles total
Devaluation risk	low
Last verified	2026-06-05
Last seen	2026-06-05T08:14:24+00:00
Observed result	Offered an additional 10,000 miles retention bonus (total 35,000 miles)
Public/official layer	Standard 25,000 miles for annual fee payment
Caveat	Requires contacting the retention team after the annual fee has officially posted

Claim 16770 (risk: low)

UOB waives the S$27 miles conversion fee if you hold a UOB Reserve, UOB Visa Infinite Metal, or UOB Privilege Banking card linked to your account.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Transfer partner	KrisFlyer
Fees / surcharges	S$27 fee waived
Devaluation risk	low
Last verified	2026-06-05
Last seen	2026-06-05T08:01:21+00:00
Public/official layer	S$27 conversion fee is waived for UOB Reserve, UOB Visa Infinite Metal, or UOB Privilege Banking cardholders
Caveat	Requires holding one of the specified premium UOB cards linked to the account

Claim 16709 (user verified, risk: low)

Paying Zenith tuition fees via CardUp using UOB Visa Signature (VS) or UOB Preferred Platinum Visa (PPV) does not earn miles.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Zenith Education Studio
Card	UOB Visa Signature / UOB Preferred Platinum Visa
Route	CardUp
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Devaluation risk	low
Last verified	2026-06-05
Last seen	2026-06-05T05:10:56+00:00
Observed result	No miles awarded when paying Zenith via CardUp
Public/official layer	UOB terms and conditions exclude CardUp transactions from earning UNI$ / miles
Caveat	UOB generally excludes CardUp transactions from earning rewards

Claim 16676 (user verified, risk: low)

The UOB PRVI Miles 5 MPD overseas promotion requires transactions to be made in-person; online foreign currency transactions (such as on Pinduoduo) do not qualify.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Pinduoduo
Card	UOB PRVI Miles
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	5 mpd
Devaluation risk	low
Last verified	2026-06-05
Last seen	2026-06-05T03:34:15+00:00
Observed result	Online transactions in foreign currency do not qualify for the 5 MPD rate
Public/official layer	Promotion is valid for in-person overseas spend only
Caveat	Applies specifically to the 5 MPD overseas spend promotion which excludes online transactions

Claim 16658 (user verified, risk: low)

The UOB PRVI Miles 5 MPD promotion on foreign currency spend is restricted to in-person transactions only and does not apply to online purchases.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Pinduoduo
Card	UOB PRVI Miles
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	5 MPD
Devaluation risk	low
Last verified	2026-06-05
Last seen	2026-06-05T03:34:15+00:00
Observed result	Online HKD transaction on Pinduoduo does not qualify for the 5 MPD promo.
Public/official layer	Promotion is valid for in-person overseas spend only.
Caveat	Online transactions in foreign currency are excluded from the 5 MPD rate.

Claim 16411 (risk: low)

The UOB Preferred Platinum Visa (PPV) has been rebranded to the UOB Preferred Visa (PV) with a Visa Signature badge upgrade, while retaining its 4 mpd earn rate on mobile contactless and online spending.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB Preferred Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-04
Last seen	2026-06-04T13:01:36.001303+00:00
Public/official layer	UOB Preferred Platinum Visa rebranded to UOB Preferred Visa with same 4 mpd mobile contactless and online limits.
Caveat	The rebrand includes a refreshed card design and new travel insurance benefits.

Claim 16224 (user verified, risk: low)

Spend at Shanghai Disneyland (including hotels, merchandise, and food) qualifies for the 4 mpd foreign currency spend rate on the UOB Visa Signature card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Shanghai Disneyland
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-04
Last seen	2026-06-04T06:57:46+00:00
Observed result	Qualifies for foreign currency miles earning
Caveat	Subject to the card's minimum foreign currency spend of S$1,000 and monthly cap.

Merchant (exception, user verified, risk: medium)

User reported that upgrading from UOB Lady's Card to Lady's Solitaire does not automatically deactivate the old card immediately; using both concurrently can cause points calculation errors and annual fee charges.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last seen	2026-06-03T07:38:23+00:00
Observed result	Old card remained active in the system, and the user was charged an annual fee on it after upgrading.
Caveat	Users should manually request cancellation of the old card to avoid points issues and annual fees.

NUHS (exception, user verified, risk: low)

User reported that nUHS (National University Health System) bills no longer earn 4 mpd on the UOB Woman's World Card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	NUHS
Card	UOB Woman's World Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	0 mpd
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T10:21:47+00:00
Observed result	No longer gets 4mpd
Caveat	This has been the case for several months

NUHS: MCC 9399 (exception, user verified, risk: high)

User reported that nUHS (National University Health System) bills no longer earn 4 mpd on the UOB Woman's World Mastercard.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	NUHS
Card	UOB Woman's World Card
MCC	9399
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	high
Last verified	2026-06-03
Last seen	2026-06-04T07:31:10+00:00
Observed result	No longer receives 4 mpd on WWMC.
Public/official layer	Government and medical institutions are generally excluded from bonus categories.
Caveat	This exclusion has been active for several months.

Merchant (exception, user verified, risk: medium)

User reported that when UOB automatically deducts UNI$ (e.g., 6,500 UNI$) for an annual fee, automated waiver requests via the app or phone system may initially fail with a 'no charges to waive' error, requiring users to wait at least a day or try periodically over subsequent months.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Card	UOB credit cards
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	6500 UNI$
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T05:22:43+00:00
Observed result	User had 6,500 UNI$ deducted but app and phone system claimed there were no charges to waive. Other users reported needing to wait a day or try monthly before the waiver went through.
Caveat	The system may take time to recognize the fee charge as eligible for waiver after the points are deducted.

UOB (exception, user verified, risk: low)

User reported that when UOB UNI$ are deducted for credit card annual fees, the option to request a waiver via the UOB TMRW app may not be immediately available and may require waiting at least one day or longer.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	UOB
Card	UOB Credit Cards
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	6,500 UNI$
Fees / surcharges	Annual Fee
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T05:22:43+00:00
Observed result	App says 'no charges to waive' immediately after UNI$ deduction; users have to wait at least a day or sometimes longer to successfully request a waiver.
Public/official layer	Annual fee waiver can be requested via the UOB TMRW app.
Caveat	Some users report having to wait a day after deduction to request a waiver, while others report the app saying 'not ready for waiving' for months.

Claim 15740 (user verified, risk: medium)

UOB credit card annual fee waivers require a minimum annual spend of S$6,000 per card for manual CSO approval, S$24,000 per card for automatic in-app waiver, or S$30,000 combined across all cards. Lady's Solitaire requires S$36,000.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Card	UOB Cards
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T10:20:24+00:00
Observed result	Some users with high spend (e.g., S$18k or S$30k) still get routed to manual review (blue screen).
Public/official layer	CSO stated S$6k manual spend per card, S$24k app auto-waiver per card, S$30k combined, or S$36k for Lady's Solitaire.
Caveat	User experiences vary, and some still encounter the 'blue screen' (pending manual review) in the app despite meeting these spend thresholds.

Merchant (exception, user verified, risk: low)

User reported that uOB PRVI Miles card annual fee can be waived via phone even with low annual spend of less than S$500.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB PRVI Miles
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Fees / surcharges	Annual fee waiver
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T08:46:16+00:00
Observed result	Annual fee waived with less than S$500 spend
Public/official layer	Annual fee applies unless minimum spend of S$50,000 is met
Caveat	Waiver requested and approved via phone

Claim 15712 (user verified, risk: low)

The reversal of UNI$ deducted for the UOB Lady's Card annual fee typically posts within one to two working days after the waiver is approved.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	UOB
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Fees / surcharges	annual fee
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T09:22:40+00:00
Observed result	UNI$ balance goes up next working day or within a couple of days after waiver approval
Caveat	May take a few days to monitor in some cases

Merchant (exception, user verified, risk: low)

User reported that uOB PRVI Miles annual fee waiver can be successfully requested and approved via phone even with an annual spend of less than $500.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB PRVI Miles
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Fees / surcharges	Annual fee waived
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T08:46:16+00:00
Observed result	Annual fee waived via phone with less than $500 spend
Public/official layer	Annual fee applies unless minimum spend of S$50,000 is met
Caveat	Waiver approval is subject to bank discretion and may vary

Global-e / Danner / Vivobarefoot: via Global-e (exception, user verified, risk: medium)

User reported that online purchases from overseas merchants using the Global-e payment gateway (such as Danner or Vivobarefoot) are processed via a Singapore gateway, failing to qualify for FCY bonus miles on the UOB Visa Signature card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global-e / Danner / Vivobarefoot
Card	UOB Visa Signature
Route	Global-e
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T06:53:29+00:00
Observed result	Processed via Singapore gateway; no bonus miles awarded.
Public/official layer	UOB Visa Signature requires transactions to be processed overseas in foreign currency to earn the 10X UNI$ (4 mpd) FCY bonus.
Caveat	Even though the merchant is overseas, the payment processor is local (SG), which disqualifies it from FCY online bonus rates.

Merchant (exception, user verified, risk: medium)

User reported that upgrading from the UOB Lady's Card to the UOB Lady's Solitaire Card does not automatically or instantly deactivate the old card; using both concurrently can cause UNI$ points calculation errors.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T07:37:05+00:00
Observed result	Old card remains active and can still be charged, but disrupts points calculation.
Public/official layer	Old card should eventually deactivate upon upgrade.
Caveat	Users should manually request cancellation of the old card to avoid points calculation issues and annual fee charges.

Global-E / Danner (exception, user verified, risk: medium)

User reported that online FCY transactions processed via Singapore-based payment gateways (such as Global-E for overseas merchants like Danner) do not qualify for the UOB Visa Signature 10X FCY bonus (4 mpd).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global-E / Danner
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T06:32:07+00:00
Observed result	No bonus points awarded when payment gateway is in Singapore despite paying in FCY.
Public/official layer	10X UNI$ on overseas transactions requires foreign currency and overseas payment gateway processing.
Caveat	UOB Visa Signature requires both FCY transaction and overseas processing gateway to award the 10X FCY bonus.

Claim 15649 (user verified, risk: low)

UOB Visa Signature does not award online FCY bonus points for purchases from overseas merchants if the transaction is processed via a Singapore-based payment gateway like Global-E.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Danner
Card	UOB Visa Signature
Route	Global-E
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T06:32:07+00:00
Observed result	No bonus points awarded because the payment gateway processed the transaction in Singapore.
Public/official layer	UOB Visa Signature requires transactions to be in foreign currency to earn the FCY bonus.
Caveat	The transaction is processed locally in Singapore, failing the FCY requirement.

Danner / Global-E (exception, user verified, risk: medium)

User reported that online purchases from overseas merchants like Danner (processed via Global-E) may use a Singapore-based payment gateway, disqualifying the transaction from the UOB Visa Signature 4 mpd FCY bonus.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Danner / Global-E
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T06:32:07+00:00
Observed result	No bonus points awarded because the payment gateway was located in Singapore
Public/official layer	UOB Visa Signature requires transactions to be processed overseas in foreign currency to earn the 10X UNI$ bonus
Caveat	The transaction is processed locally in Singapore despite being an overseas brand, failing the FCY requirement

Merchant (exception, user verified, risk: low)

User reported that uOB automatically deducts UNI$ to pay for credit card annual fees if a waiver is rejected, but users can sometimes successfully get a waiver by retrying the automated system shortly after an initial rejection.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T04:33:16+00:00
Observed result	Initial waiver request failed and UNI$ were deducted, but retrying the waiver request later on the same day resulted in a successful waiver.
Public/official layer	Annual fees are charged and paid via UNI$ deduction if available, unless a waiver is approved.
Caveat	UOB has become increasingly strict with granting waivers, and automated systems may initially reject the request.

UOB (exception, user verified, risk: medium)

User reported that uOB may automatically deduct UNI$ (such as 6,500 UNI$) for annual fees and initially reject automated waiver requests, but users can sometimes successfully secure a waiver by retrying the request in the app later or calling customer service.

Field	Value
Status	context-dependent
Confidence	high
Source layer	user_reported
Merchant	UOB
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Miles / points	6500
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T04:17:59+00:00
Observed result	Initial waiver failed or showed no charges to waive, but succeeded on a subsequent attempt on the same or next day.
Public/official layer	Annual fee of 6,500 UNI$ is deducted unless waiver conditions are met.
Caveat	Waiver outcomes are highly inconsistent; some users with high spend get rejected while others with zero spend get approved.

Claim 15592 (user verified, risk: medium)

UOB has become increasingly strict with annual fee waivers (such as for the UOB Preferred Platinum Visa) and may automatically deduct/convert UNI$ to pay for the annual fee if the waiver is rejected.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Fees / surcharges	Annual Fee
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T04:10:00+00:00
Observed result	Fee waiver rejected and UNI$ automatically converted to pay the annual fee without prior manual confirmation.
Caveat	Waiver is likely to be rejected if minimum spend across all UOB cards is not met.

Merchant (exception, user verified, risk: medium)

User reported that uOB has been strictly rejecting annual fee waivers (such as on the Preferred Platinum Visa) and may automatically deduct/convert UNI$ to pay for the annual fee.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Fees / surcharges	Annual fee
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T04:10:00+00:00
Observed result	Waiver rejected and UNI$ automatically converted to pay the fee despite regular monthly spend
Public/official layer	Annual fee applies unless waiver conditions are met
Caveat	Users may need to call customer service and threaten cancellation to secure a waiver

Claim 15578 (user verified, risk: low)

When UOB deducts UNI$ for an annual fee, there is a time lag of a few days before the charge is fully posted and eligible for a waiver request via the app or phone system.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB cards
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Miles / points	6500 UNI$
Fees / surcharges	annual fee
Devaluation risk	low
Last verified	2026-06-03
Last seen	2026-06-03T02:52:41+00:00
Observed result	UNI$ deducted but app/call says no charges to waive until transaction fully posts a few days later.
Caveat	Attempting to waive immediately after deduction will result in an error stating there are no charges to waive.

Merchant: via UOB Terminal (exception, user verified, risk: low)

User reported that tapping a UOB Visa card on a UOB merchant terminal can bypass the Visa network and route directly through UOB's internal network, which prevents HeyMax from tracking the transaction, though bonus points are still awarded.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Cards
Route	UOB Terminal
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-02
Last seen	2026-06-02T14:51:49+00:00
Observed result	Transaction bypasses Visa network, hiding it from HeyMax tracking, but UOB bonus points are still credited
Caveat	Only happens when using UOB Visa cards on UOB-owned payment terminals

Claim 14928 (user verified, risk: low)

UOB Visa Signature bonus UNI$ are posted 1 to 2 business days after the statement date.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2026-06-01
Last seen	2026-06-01T16:16:47+00:00
Observed result	Bonus UNI$ post 1-2 business days after the statement date
Caveat	Allows tracking of bonus points before the payment due date

Claim 14924 (user verified, risk: low)

UOB Lady's Card bonus categories do not automatically change or reset over time; the selected category remains active unless manually changed by the cardholder.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-01
Last seen	2026-06-01T16:17:58+00:00
Observed result	Category does not auto-change if the user did not re-select.
Public/official layer	Selected category applies until a new selection is made during the designated selection periods.
Caveat	Replacing, upgrading, or downgrading the card may affect bonus posting.

Claim 14724 (user verified, risk: low)

UOB Visa Signature bonus points are posted 1 to 2 business days after the statement date.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-01
Last seen	2026-06-01T16:16:47+00:00
Observed result	Bonus posted 1-2 business days after statement date
Public/official layer	Bonus UNI$ are credited within the next calendar month after the statement date
Caveat	Only applies if your statement month follows the calendar month

Kebab shop: MCC 5462 (exception, user verified, risk: medium)

User reported that some kebab shops may code unexpectedly as Bakery (MCC 5462) rather than Dining/Restaurant, requiring a general spend card like UOB PRVI Miles to avoid missing out on specialized dining multipliers.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	Kebab shop
Card	UOB PRVI Miles Mastercard
MCC	5462
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-01
Last seen	2026-06-01T06:08:45+00:00
Observed result	Kebab shop coded as bakery, prompting the user to use UOB PRVI Miles Mastercard instead of a dining card
Caveat	Merchant category codes are determined by the acquiring bank and can vary by outlet

Claim 14001 (user verified, risk: low)

Mobile Suica top-ups via Apple Pay using the UOB Preferred Visa Card earn 10X UNI$ (4 mpd) under the Mobile Contactless category, not the Online category.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Mobile Suica
Card	UOB Preferred Visa Card
Route	Apple Pay
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last seen	2026-05-31T10:28:29+00:00
Observed result	S$84.70 and S$84.94 transactions both awarded 160 UNI$ (10X points on S$80 blocks).
Caveat	Earns under the Mobile Contactless cap, not the Online cap.

Claim 14042 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) has a S$600 mobile contactless cap per calendar month, UOB Lady's Card has a S$1,000 cap per calendar month on its selected category, and UOB Visa Signature (VS) has a S$1,200 mobile contactless cap per statement month.

Field	Value
Status	active
Confidence	high
Source layer	bank
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-05-31
Last seen	2026-05-31T11:51:23+00:00
Public/official layer	UOB PPV contactless cap is S$600/calendar month; UOB Lady's is S$1,000/calendar month; UOB VS is S$1,200/statement month.
Caveat	UOB VS tracks by statement month, whereas PPV and Lady's track by calendar month.

Claim 11840 (user verified, risk: medium)

UOB Lady's Card annual fee waivers are strictly based on the specific card's usage; spending on other UOB cards does not guarantee an automatic waiver if the Lady's Card itself has low spend.

Field	Value
Status	context-dependent
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Devaluation risk	low
Last verified	2026-05-24
Last seen	2026-05-24T13:45:58+00:00
Observed result	Waiver rejected via app and online CSO due to low card usage despite spending $600+/month on other UOB cards.
Caveat	Automated waivers via the UOB TMRW app or online CSO may fail, but calling in to speak with a representative might yield a different result.

Claim 11819 (user verified, risk: medium)

UOB points transfers to frequent flyer programmes can be slow, taking up to 3 weeks to complete.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Transfer time	up to 3 weeks
Devaluation risk	low
Last verified	2026-05-24
Last seen	2026-05-24T14:02:37+00:00
Observed result	Transfers taking up to 3 weeks
Caveat	Transfer times are highly variable and can be significantly delayed compared to other banks.

Claim 10638 (user verified, risk: low)

Swensen's Unlimited at Changi Airport T2 codes as MCC 5812 and earns bonus miles with UOB Preferred Platinum Visa (PPV).

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Swensen's Unlimited
Card	UOB Preferred Platinum Visa
MCC	5812
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-05-23T07:14:24+00:00
Last seen	2026-05-23T07:14:24+00:00
Observed result	Coded as 5812 and successfully earned bonus miles with UOB PPV

Claim 8831 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) earns 4mpd at car repair workshops via contactless payment, provided the specific merchant's MCC is not excluded.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Car repair workshops
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last seen	2026-05-22T05:31:48+00:00
Observed result	4mpd awarded when using contactless payment.
Caveat	Depends on the specific workshop's MCC; test with Amaze first if unsure.

Claim 8799 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) earns 4 mpd at car repair workshops when paying via mobile contactless.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Car repair workshops
Card	UOB Preferred Platinum Visa
Route	Mobile Contactless
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2026-05-22T05:31:48+00:00
Last seen	2026-05-22T05:31:48+00:00
Observed result	Successfully earned 4mpd at two different workshops.
Public/official layer	UOB PPV earns 4mpd on mobile contactless transactions unless the MCC is excluded or it is a SMART$ merchant.
Caveat	Must use mobile contactless (Apple/Google Pay), not the physical card.

Claim 11433 (user verified, risk: low)

KM Facilities Management transactions earn the 10X UNI$ (4mpd) mobile contactless bonus on the UOB Preferred Platinum Visa card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	KM Facilities Management
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	10X UNI$
Devaluation risk	low
Last verified	2026-05-22
Last seen	2026-05-24T05:08:28+00:00
Observed result	Earned 9X UNI$ bonus and 1X base UNI$

Claim 16462 (risk: low)

UOB PRVI Miles Card offers a bonus earn rate of 5 miles per dollar on overseas shopping and dining from 18 May to 30 June 2026, subject to a minimum spend requirement.

Field	Value
Status	active
Confidence	high
Source layer	official
Merchant	Overseas shopping and dining
Card	UOB PRVI Miles Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Transfer partner	KrisFlyer/Asia Miles
Miles / points	5 mpd
Devaluation risk	low
Last verified	2026-05-18
Last seen	2026-05-18T13:42:00+08:00
Public/official layer	Earn 5 mpd on overseas shopping and dining with UOB PRVI Miles from 18 May to 30 June 2026 upon hitting minimum spend.
Caveat	Requires meeting a minimum spend requirement

Claim 6946 (user verified, risk: low)

UOB Preferred Platinum Visa annual fee waiver requests take approximately 3-4 days to process, and deducted UNI$ are refunded upon approval.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-04-08T01:30:12+00:00
Last seen	2026-04-08T01:30:12+00:00
Observed result	Points refunded in 3-4 days

Merchant (exception, user verified, risk: low)

User reported that uOB Preferred Platinum Visa (PPV) only awards bonus points for contactless transactions made via mobile wallets (Apple Pay/Google Pay); tapping the physical card does not qualify.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-04-07T15:22:26+00:00
Last seen	2026-04-07T15:22:56+00:00
Observed result	Physical card taps do not earn bonus points
Public/official layer	Mobile contactless required for bonus UNI$
Caveat	Only applies to UOB PPV; other cards may allow physical contactless.

Claim 7484 (user verified, risk: low)

UOB Lady's Savings Account bonus UNI$ (extra 2mpd) are typically credited around the 27th or 28th of the month under the description 'UOB lady's saving bonus'.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	2mpd
Devaluation risk	low
Last verified	2026-04-05T13:13:49+00:00
Last seen	2026-04-05T13:13:49+00:00
Observed result	Bonus points credited on 27th/28th of the month.
Caveat	Credited ahead of the base card award.

Claim 7480 (user verified, risk: low)

The extra 2mpd bonus for the UOB Lady's Savings Account is typically credited around the 27th or 28th of the month under the description 'UOB lady's saving bonus'.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	2mpd
Devaluation risk	low
Last verified	2026-04-05T13:13:49+00:00
Last seen	2026-04-05T13:13:49+00:00
Observed result	Bonus credited on 27th/28th of the month.
Caveat	Credited separately from the base card rewards.

Claim 7538 (user verified, risk: low)

Bonus UNI$ from the UOB Lady's Savings Account are credited in the last few days of the month under the description 'UOB lady's saving bonus'.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-04-05T13:12:01+00:00
Last seen	2026-04-05T13:12:01+00:00
Observed result	Bonus points from the savings account are credited separately from the base card rewards at the end of the month.

Claim 7543 (user verified, risk: low)

UOB Lady's Card earns 4mpd on overseas dining spend when the Dining category is selected.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Dining
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4mpd
Devaluation risk	low
Last verified	2026-04-05T09:48:01+00:00
Last seen	2026-04-05T09:48:01+00:00
Observed result	User confirmed overseas dining earns 4mpd.
Public/official layer	UOB Lady's Card awards 4mpd on selected categories including overseas spend in that category.
Caveat	Requires Dining to be selected as the bonus category.

Claim 7700 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) 4mpd caps ($600 online and $600 mobile contactless) are tracked by calendar month based on the transaction's posting date, not the statement month.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4mpd
Devaluation risk	low
Last verified	2026-04-04T13:53:48+00:00
Last seen	2026-04-04T13:53:48+00:00
Observed result	Users confirm checking the UOB TMRW app to ensure posting dates fall within the calendar month.
Public/official layer	UOB T&Cs state UNI$ bonus caps are calculated per calendar month based on posting date.
Caveat	The posting date (which can be 1-2 days after the transaction date) must fall within the calendar month to count towards that month's cap.

Claim 7845 (risk: low)

UOB Preferred Platinum Visa (PPV) rewards are calculated based on the calendar month of the posting date, not the statement month.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-04-04T07:35:57+00:00
Last seen	2026-04-04T07:35:57+00:00
Public/official layer	UOB PPV UNI$ are awarded based on calendar month posting dates.

Claim 7787 (user verified, risk: low)

The UOB Preferred Platinum Visa (PPV) requires mobile contactless payments to earn 4mpd; physical card contactless does not qualify.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB Preferred Platinum Visa
Route	Mobile Contactless
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4mpd
Devaluation risk	low
Last seen	2026-04-04T05:02:08+00:00
Observed result	Physical card contactless transactions do not earn the 4mpd bonus.
Public/official layer	4mpd is awarded for mobile contactless transactions.

Claim 7782 (user verified, risk: low)

UOB Preferred Platinum Visa (PPV) earns 4mpd only on mobile contactless transactions, not on physical card contactless taps.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa
Route	Mobile Contactless
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4mpd
Devaluation risk	low
Last seen	2026-04-04T05:02:08+00:00
Observed result	Users confirm physical card taps do not qualify for 4mpd.
Public/official layer	4mpd is awarded for mobile contactless transactions.
Caveat	Physical card contactless taps do not earn 4mpd.

Merchant (exception, user verified, risk: medium)

User reported that locking a UOB card via the app prevents bonus points from being credited

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	unknown
Last seen	2026-04-02T05:51:01+00:00
Observed result	Bonus points are not automatically credited if the card is locked in the app
Caveat	Requires manual appeal via customer service to credit the bonus

Claim 9923 (risk: low)

UOB Preferred Platinum Visa earns 4 mpd up to $600 per month on mobile contactless and whitelisted online transactions. UOB Lady's Card earns 4 mpd on selected categories, boostable to 6 mpd with a UOB Lady's Savings Account.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Preferred Platinum Visa / UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4-6 mpd
Devaluation risk	low
Last verified	2026-03-26T06:32:12+00:00
Last seen	2026-03-26T06:32:12+00:00
Public/official layer	UOB PPV awards 4mpd on mobile contactless and online shopping up to $600/month. UOB Lady's awards 4mpd on chosen categories, up to 6mpd with Lady's Savings Account.
Caveat	UOB Lady's Savings Account only gives 0.05% interest, trading off interest for bonus miles.

Shell (exception, user verified, risk: low)

User reported that uOB Preferred Platinum Visa earns 4 mpd at Shell via mobile contactless, despite UOB T&Cs stating Shell is excluded from UNI$. SPC remains excluded.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Shell
Card	UOB Preferred Platinum Visa
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last seen	2026-03-24T13:14:07+00:00
Observed result	Earns 4 mpd via mobile contactless
Public/official layer	UOB Rewards T&Cs state Shell transactions are not eligible for UNI$
Caveat	Must use mobile contactless

Shell: via Mobile Contactless (exception, user verified, risk: medium)

User reported that uOB Preferred Platinum Visa earns 4 mpd at Shell via mobile contactless despite T&C exclusion.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Shell
Card	UOB Preferred Platinum Visa
Route	Mobile Contactless
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last seen	2026-03-24T13:14:07+00:00
Observed result	Earned 4 mpd at Shell via mobile contactless.
Public/official layer	UOB Rewards T&Cs state Shell transactions are not eligible for UNI$.
Caveat	SPC remains strictly excluded from UNI$ earning.

Shell: via Mobile Contactless (exception, user verified, risk: medium)

User reported that uOB Preferred Platinum Visa earns 4 mpd (UNI$) at Shell via mobile contactless, despite T&C exclusions.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Shell
Card	UOB Preferred Platinum Visa
Route	Mobile Contactless
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	medium
Last verified	2026-03-24T13:14:07+00:00
Last seen	2026-03-24T13:14:07+00:00
Observed result	Transactions at Shell via mobile contactless successfully earned 4 mpd.
Public/official layer	UOB Rewards T&Cs state that Shell transactions are not eligible for UNI$.
Caveat	UOB Rewards T&Cs explicitly exclude Shell, so this is an unadvertised exception that could be patched.

Claim 11915 (user verified, risk: low)

HeyMax voucher and card purchases code under the Fashion category, allowing users to earn 4 MPD on the UOB Lady's or Lady's Solitaire Card if Fashion is selected as their preferred category.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	HeyMax
Card	UOB Lady's Solitaire Card
MCC	5699
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	4 MPD
Devaluation risk	low
Last verified	2026-03-24
Last seen	2026-03-24T13:07:59+00:00
Observed result	HeyMax purchases are recognized under the Fashion category for 4 MPD
Public/official layer	Fashion category includes MCCs 5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948
Caveat	Requires Fashion to be selected as the active category on the UOB Lady's card.

Claim 16529 (risk: low)

UOB Visa Signature is adding SimplyGo as an eligible 4 mpd category but introducing category sub-limits on its bonus categories for statements generated on or after 1 September 2025.

Field	Value
Status	active
Confidence	high
Source layer	bank
Card	UOB Visa Signature
Route	SimplyGo
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	4 mpd
Devaluation risk	medium
Last verified	2025-07-01
Last seen	2025-07-04T10:29:46+00:00
Public/official layer	Redefined bonus categories with sub-limits effective for statements on or after 1 September 2025.
Caveat	Category sub-limits are introduced, which may restrict maximum bonus miles earned per category.

Redmart (exception, user verified, risk: low)

User reported that redmart transactions that post as 'Lazada' on the UOB Lady's Card still successfully qualify for and award the Lady's Card category bonus points.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Redmart
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2025-06-05
Last seen	2025-06-05T23:26:49+00:00
Observed result	Bonus points were successfully awarded despite the transaction description showing as Lazada.
Caveat	Applies when the selected category is Family (which covers Groceries/Lazada).

Claim 18372 (user verified, risk: low)

Redmart purchases charged to the UOB Lady's Card earn the category bonus points, even if the transaction description appears as 'Lazada' on the statement.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Redmart
Card	UOB Lady's Card
MCC	5411
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2025-06-05
Last seen	2025-06-05T23:26:49+00:00
Observed result	User confirmed receiving the Lady's Card bonus points for a Redmart order that showed up as Lazada
Caveat	Appears as Lazada on statement but still qualifies for the bonus

Redmart (exception, user verified, risk: low)

User reported that redmart transactions paid with the UOB Lady's Card may appear as Lazada on the statement but still successfully qualify for the Lady's Card bonus points under the Family/Grocery category.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Redmart
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2025-06-05
Last seen	2025-06-05T23:26:49+00:00
Observed result	Bonus points awarded despite showing as Lazada on statement.
Caveat	Appears as Lazada on statement but still triggers the bonus points.

Claim 16537 (risk: low)

UOB PRVI Miles cardholders can earn 5 miles per dollar on overseas physical dining and shopping from 19 May to 30 June 2025, capped at 8,000 bonus miles (UNI$4,000) and requiring registration.

Field	Value
Status	active
Confidence	high
Source layer	bank
Merchant	Overseas Dining and Shopping
Card	UOB PRVI Miles
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	5 mpd
Devaluation risk	low
Last verified	2025-05-19
Last seen	2025-05-19T21:23:44+08:00
Public/official layer	Earn 5 mpd on overseas dining and shopping with a bonus cap of 8,000 miles.
Caveat	Excludes online shopping; registration is required; valid from 19 May to 30 June 2025.

SPC: MCC 5541 (exception, user verified, risk: low)

User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ (base or bonus) for transactions at SPC petrol stations.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SPC
Card	UOB Preferred Platinum Visa
MCC	5541
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2025-01-05
Last seen	2025-01-05T03:38:37+00:00
Observed result	SPC transaction on PPV posted with 0 UNI$.
Public/official layer	UOB rewards terms exclude SPC petrol from earning base UNI$ on most cards.
Caveat	UOB Lady's Card (with Transport selected) can earn bonus UNI$ at SPC, but PPV and Visa Signature do not.

SPC: MCC 5541 (exception, user verified, risk: low)

User reported that uOB Preferred Platinum Visa (PPV) does not earn UNI$ for SPC petrol transactions, whereas general spending UOB cards do.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SPC
Card	UOB Preferred Platinum Visa
MCC	5541
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	0
Devaluation risk	low
Last verified	2025-01-05
Last seen	2025-01-05T02:40:10+00:00
Observed result	No UNI$ awarded for SPC petrol using PPV.
Caveat	Verified for transactions in early January 2025.

SPC: MCC 5541, 5542 (exception, user verified, risk: low)

User reported that sPC petrol transactions do not earn base UNI$ on UOB cards; bonus UNI$ are only awarded on the UOB Lady's Card if the Transport category is selected, while UOB Visa Signature and Preferred Platinum Visa (PPV) earn no UNI$ at SPC.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SPC
Card	UOB Lady's Card
MCC	5541/5542
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2025-01-05
Last seen	2025-01-05T03:51:12+00:00
Observed result	PPV transaction at SPC on Jan 2 posted on Jan 3 with 0 UNI$. Lady's Card earns bonus UNI$ only if Transport is selected.
Public/official layer	UOB cards generally exclude SPC from base UNI$ earning due to existing SMART$ or petrol discount partnerships.
Caveat	UOB Visa Signature has no bonus UNI$ for SPC, and PPV earns no UNI$ at all for SPC transactions.

SPC: MCC 5541 (exception, user verified, risk: low)

User reported that uOB Preferred Platinum Visa (PPV) does not earn any UNI$ for transactions at SPC petrol stations.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SPC
Card	UOB Preferred Platinum Visa
MCC	5541
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	0 UNI$
Devaluation risk	low
Last verified	2025-01-05
Last seen	2025-01-05T03:51:12+00:00
Observed result	No UNI$ posted for SPC transaction on PPV.
Public/official layer	UOB SMART$ merchants (like SPC) typically do not earn regular UNI$ on most UOB cards unless specified.
Caveat	UOB Lady's Card (with Transport selected) earns bonus UNI$ at SPC, but no base UNI$.

Claim 14360 (user verified, risk: low)

SPC petrol transactions made with the UOB Preferred Platinum Visa (PPV) card do not earn UNI$.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SPC
Card	UOB Preferred Platinum Visa
MCC	5541/5542
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	0
Devaluation risk	low
Last verified	2025-01-05
Last seen	2025-01-05T02:40:10+00:00
Observed result	No UNI$ posted for SPC transaction
Public/official layer	UOB T&Cs exclude SPC transactions from earning UNI$ unless specified otherwise

Claim 14233 (user verified, risk: low)

UOB Lady's Card excludes Amaze (Instarem) transactions from earning rewards, meaning users must spend directly in foreign currency to earn miles.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Route	Amaze
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-30
Last seen	2024-11-30T04:58:55+00:00
Observed result	No rewards/miles when pairing UOB Lady's with Amaze
Public/official layer	UOB rewards exclusion list includes Amaze
Caveat	Amaze is explicitly on the UOB Lady's exclusion list

Claim 14230 (risk: low)

UOB Lady's Card excludes Amaze (Instarem) transactions from earning rewards or miles.

Field	Value
Status	active
Confidence	high
Source layer	bank
Card	UOB Lady's Card
Route	Amaze
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-30
Last seen	2024-11-30T04:57:43+00:00
Public/official layer	Amaze transactions are excluded from UOB Lady's Card rewards
Caveat	Users must spend directly with the card overseas to earn miles

SimplyGo: via SimplyGo EZ-Link (exception, user verified, risk: low)

User reported that topping up SimplyGo EZ-Link with UOB Woman's World Mastercard (WWMC) earns 4 mpd (subject to the $1,500 monthly cap), allowing users to pay for non-rewards merchants like insurance.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SimplyGo
Card	UOB Woman's World Card
Route	SimplyGo EZ-Link
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Sweet spot	yes
Devaluation risk	medium
Last verified	2024-11-30
Last seen	2024-11-30T07:11:37+00:00
Caveat	Subject to the WWMC $1,500 monthly bonus cap.

Claim 14175 (user verified, risk: low)

Kris+ payments are processed as online transactions rather than contactless, meaning UOB Visa Signature does not award bonus miles, and UOB Preferred Platinum Visa only awards 4 mpd if the merchant's MCC is on the online whitelist.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Kris+ Merchants
Card	UOB Preferred Platinum Visa
Route	Kris+
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	miles
Miles / points	4 mpd
Devaluation risk	low
Last verified	2024-11-30
Last seen	2024-11-30T09:50:37+00:00
Observed result	Kris+ is treated as online, not contactless; UOB VS gets no bonus, UOB PPV gets bonus only if MCC is whitelisted
Public/official layer	UOB PPV awards 10X UNI$ for selected online transactions; UOB VS awards 10X UNI$ for contactless and selected categories
Caveat	UOB Visa Signature does not award bonus miles for Kris+ payments

Expedia (exception, user verified, risk: low)

User reported that booking an airline not on the official T&C list (such as Air China) via the UOB PRVI Expedia portal still successfully awards the 6 mpd rate.

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	Expedia
Card	UOB PRVI Miles
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-30
Last seen	2024-11-30T15:37:22+00:00
Observed result	User earned 6 mpd on an Air China booking which is not on the list.
Public/official layer	6 mpd is only valid for the 17 approved airlines listed in the T&Cs.
Caveat	Official T&Cs restrict the 6 mpd to a specific list of 17 airlines.

Claim 14583 (risk: low)

Upgrading or downgrading between the UOB Lady's Card and UOB Lady's Solitaire Card automatically terminates the existing card within one month.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T04:52:26+00:00
Public/official layer	Existing card will be automatically terminated within one month of upgrading or downgrading.
Caveat	There is a maximum overlap of one month to utilize both cards before the old one is terminated.

Claim 14564 (user verified, risk: low)

When upgrading or downgrading between UOB Lady's Card and UOB Lady's Solitaire Card, the existing card is automatically terminated within one month, and the first card will not earn bonus points during the overlap period.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T05:06:55+00:00
Observed result	The first card will not have any bonus points during the overlap period.
Public/official layer	Existing card automatically terminated within one month of upgrading/downgrading.
Caveat	Existing card is automatically terminated within one month of upgrading/downgrading.

Claim 14531 (user verified, risk: low)

UOB Visa Signature overseas foreign currency spend does not require contactless payment to earn the 4 mpd bonus; chip/dip and online transactions also qualify.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Transfer partner	KrisFlyer
Miles / points	4 mpd
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T06:07:14+00:00
Observed result	Users confirmed payment mode (contactless vs chip) does not matter for overseas spend.
Public/official layer	Overseas spend refers to any online or offline spend that is not in SGD, processed through a payment gateway outside of Singapore.
Caveat	Must meet the minimum S$1,000 FCY spend per statement period to trigger the 4 mpd.

Claim 14529 (user verified, risk: low)

Overseas (FCY) transactions on the UOB Visa Signature card do not need to be contactless to earn the 4 MPD bonus; traditional chip/dip payment methods also qualify.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 MPD
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T06:07:14+00:00
Observed result	Chip/dip transactions successfully earn the bonus miles.
Public/official layer	Overseas spend refers to any online or offline spend not in SGD processed outside Singapore.
Caveat	Must be processed in foreign currency outside of Singapore.

Claim 14506 (user verified, risk: low)

Overseas foreign currency (FCY) transactions on the UOB Visa Signature card do not need to be contactless (chip/dip is accepted) to qualify for the 4 mpd bonus rate.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB Visa Signature
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T06:07:14+00:00
Observed result	Users confirmed that payment mode (contactless vs chip/dip) does not affect the eligibility of overseas spend for the 4 mpd bonus.
Public/official layer	Overseas spend refers to any online or offline spend that is not in SGD, processed through a payment gateway outside of Singapore.
Caveat	Must meet the minimum S$1,000 FCY spend in a statement cycle to trigger the 4 mpd rate.

Claim 14447 (user verified, risk: low)

UOB UNI$ are preserved and automatically transferred to the replacement card when a card is blocked and replaced due to fraudulent transactions.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T09:06:20+00:00
Observed result	UNI$ successfully moved to the new card
Public/official layer	Points are tied to the customer's rewards account and transfer to replacement cards
Caveat	Applies to UOB cards earning UNI$

Global Blue (exception, user verified, risk: medium)

User reported that uOB's system automatically claws back rewards at the bonus 6mpd rate for any refund (such as Global Blue tax refunds) credited to the UOB Lady's Card, even if the original purchase was made on a non-UOB card. This can be appealed and manually corrected by providing the tax refund invoice and the other card's statement to CSO.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	System clawed back 6mpd for a tax refund despite the original purchase being on a Maybank card; UOB manually credited back the difference (~3000 UNI$) after appeal.
Public/official layer	Refunds should only claw back points actually earned, or at the base rate if not matching a bonus category.
Caveat	Requires manual appeal with CSO and proof of original transaction on a non-UOB card

Global Blue (exception, user verified, risk: medium)

User reported that uOB's system automatically claws back refunds (including tax refunds like Global Blue) from the Lady's Card bonus points pool (e.g., 6mpd/4mpd) even if the original purchase was made on a non-UOB card. Users can successfully appeal to have the UNI$ manually credited back by providing the tax refund invoice and proof of purchase from the other card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	UOB manually credited back ~3,000 UNI$ after the user provided the Global Blue invoice and Maybank statement showing the original purchase.
Public/official layer	Refunds claw back points from the card's bonus pool.
Caveat	Requires manual appeal to customer service with proof of tax refund and proof of purchase on the other card.

Global Blue / Tax Refund (exception, user verified, risk: medium)

User reported that uOB's system automatically claws back bonus points (e.g., 6mpd on UOB Lady's) for any refund credited to the card, even if the original purchase was made on a different bank's card. This can be appealed and manually reversed by providing proof of the refund and the original purchase statement.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue / Tax Refund
Card	UOB Lady's Solitaire
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	System clawed back 6mpd on a tax refund credited to UOB Lady's, but UOB manually credited back ~3000 UNI$ after user submitted proof
Public/official layer	Refunds claw back points from the card they are credited to
Caveat	Requires contacting customer service and providing proof of tax refund and original purchase statement from the other card

Global Blue (exception, user verified, risk: medium)

User reported that the UOB system automatically claws back bonus points (e.g., 6mpd) for any refund credited to the UOB Lady's Card, even if the original transaction was made on a different card (such as a foreign tax refund). Users can appeal to customer service with proof of the original transaction to have the points manually restored.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	UOB system clawed back 6mpd bonus points for an unrelated tax refund credited to the card, but manually credited them back (~3000 UNI$) upon appeal.
Public/official layer	Refunds should only claw back points from the original transaction if it was made on the same card.
Caveat	Requires providing proof of the tax refund invoice and proof of payment on the other card to UOB CSO.

Global Blue (exception, user verified, risk: medium)

User reported that receiving a tax refund (e.g., Global Blue) on a UOB Lady's Card triggers a clawback of points at the bonus rate (6 mpd) even if the original purchase was made on another bank's card, but this can be successfully appealed with UOB CSO by providing the refund invoice and the original card's statement.

Field	Value
Status	context-dependent
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	System clawed back 6mpd for a refund of a purchase made on a different bank's card; UOB manually credited back ~3,000 UNI$ after appeal
Public/official layer	Refunds claw back points at the rate of the card receiving the refund
Caveat	Requires manual appeal with proof of refund and proof of payment using a non-UOB card

Global Blue (exception, user verified, risk: medium)

User reported that processing a tax refund (e.g., Global Blue) to a UOB Lady's Card triggers an automatic clawback of rewards at the bonus rate (e.g., 6mpd), even if the original purchase was made on a different card. This can be appealed and manually resolved by providing UOB CSO with the tax refund invoice and proof of purchase on the other card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	UOB clawed back 6mpd for a refund of a transaction made on a different card, but manually credited back the points (~3000 UNI$) after appeal
Public/official layer	Refunds should claw back rewards earned on the same card, but system automatically claws back at the bonus rate for any refund posted
Caveat	Requires manual appeal with proof of tax refund and proof of payment using the other card

Global Blue / Tax Refund (exception, user verified, risk: medium)

User reported that uOB Lady's Card has a system issue where any refund (such as an overseas tax refund) incorrectly claws back points at the 6 mpd bonus rate, even if the refund does not relate to a bonus category.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue / Tax Refund
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	6 mpd clawback
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	A $1,000 tax refund on UOB Lady's Card clawed back 6 mpd, but UOB manually credited back ~3,000 UNI$ after the user appealed with proof.
Public/official layer	Refunds should only claw back points earned on the original transaction at its corresponding rate.
Caveat	Affected users must contact customer service with proof of the refund and original payment card to manually reinstate the clawed-back points.

Global Blue (exception, user verified, risk: medium)

User reported that uOB's system automatically claws back bonus points (e.g., 6mpd on UOB Lady's Solitaire) when a tax refund is credited to the card, even if the original purchase was made on a different bank's card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Solitaire
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	System clawed back 6mpd on a $1,000 refund. After providing Global Blue invoice and Maybank statement proof, UOB manually credited back ~3,000 UNI$.
Public/official layer	Refunds reduce the eligible spend for the month, but system incorrectly claws back bonus points even if the original transaction was not charged to the UOB card.
Caveat	Users must manually appeal to UOB customer service with proof of the original transaction on the other card to get the points manually reinstated.

Global Blue (exception, user verified, risk: medium)

User reported that crediting a tax refund (such as Global Blue) to a UOB Lady's Card triggers an automatic system clawback of the 6mpd bonus miles (UNI$), even if the original purchase was made on a non-UOB card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	6mpd
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	The system automatically clawed back 6mpd bonus miles on the refund amount, but UOB manually credited it back after the user provided proof of the original transaction on another bank's card.
Public/official layer	Refunds should only claw back rewards earned on transactions made on the same card.
Caveat	Affected users must contact UOB customer service with proof of the tax refund and proof of the original payment card to manually reinstate the clawed-back UNI$.

Global Blue (exception, user verified, risk: medium)

User reported that uOB's system automatically claws back bonus points (such as the 6mpd rate on UOB Lady's Card) for any refunds credited to the card, even if the original purchase was made on a different bank's card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	System clawed back 6mpd on a $1,000 refund even though the original purchase was on a Maybank card; UOB manually credited back ~3,000 UNI$ after user provided proof.
Public/official layer	Refunds reduce the eligible spend for rewards.
Caveat	Users must contact UOB customer service and provide proof of the tax refund and evidence that the original purchase was paid using a non-UOB card to manually restore the clawed-back UNI$.

Merchant (exception, user verified, risk: medium)

User reported that refunds (such as tax refunds) credited to the UOB Lady's Card can trigger an incorrect system clawback of bonus miles (6 mpd instead of the base 0.4 mpd). Affected users must contact customer service with proof of the refund and original payment to manually reinstate the difference.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	System clawed back 6 mpd on a refund, but CSO manually credited back the difference (~3,000 UNI$ for a ~$1k refund) after manual review.
Public/official layer	Refunds should only claw back the points originally earned on the transaction.
Caveat	Requires manual intervention and proof of original payment on a non-UOB card to resolve.

Global Blue (exception, user verified, risk: medium)

User reported that processing a tax refund to a UOB Lady's Card triggers an automatic clawback of the 6mpd bonus rate on the card's spending, even if the original purchase was made on a different card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Global Blue
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T14:39:04+00:00
Observed result	System clawed back 6mpd bonus points on spending due to a tax refund. CSO manually credited back ~3,000 UNI$ after proof was provided.
Public/official layer	Refunds reduce the eligible spending for bonus points calculation.
Caveat	Users must contact customer service and provide proof of the tax refund and proof that the original purchase was paid using a non-UOB card to get the points manually reinstated.

Claim 14125 (user verified, risk: low)

When a UOB card is blocked and replaced due to fraudulent transactions, the accumulated UNI$ points are preserved and transferred to the replacement card.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-29
Last seen	2024-11-29T09:06:20+00:00
Observed result	UNI$ points successfully moved to the replacement card

Claim 15146 (user verified, risk: low)

The UOB Lady's Card and Lady's Solitaire Card 4 mpd bonus cap resets strictly by calendar month, unlike some other UOB cards which reset by statement month.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Card	UOB Lady's Card
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-28
Last seen	2024-11-28T02:28:27+00:00
Observed result	Confirmed by users and UOB T&Cs that Lady's card resets by calendar month.
Public/official layer	Bonus points cap resets on the first day of each calendar month.
Caveat	Ensure transactions post within the calendar month to count towards that month's cap

Claim 14922 (user verified, risk: low)

The calculation of minimum spend and eligible spend for UOB Altitude promotions is based on the transaction date, not the posting date.

Field	Value
Status	active
Confidence	high
Source layer	official
Card	UOB Altitude
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2024-11-28
Last seen	2024-11-28T01:12:21+00:00
Public/official layer	The calculation of Minimum Spend Requirement and Eligible Spend is based on the transaction date of the retail spend charged to the Card Account.
Caveat	Refer to Clause 16 of the specific promotion's terms and conditions.

Claim 14855 (user verified, risk: low)

YouTube Premium transactions code under MCC 5816, meaning they do not qualify for online bonus points on the UOB Preferred Platinum Visa card as MCC 5816 is not on its whitelisted online categories.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	YouTube Premium
Card	UOB Preferred Platinum Visa
MCC	5816
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2024-11-28
Last seen	2024-11-28T09:17:13+00:00
Observed result	UOB customer service confirmed the transaction coded as MCC 5816 and did not receive PPV online bonus points.
Caveat	Some crowdsourced directories incorrectly list YouTube Premium as MCC 5968.

Only the first 120 claims are shown on this programme page.