Promotion

Rewards

• Earn 1 UNI$ for every S$5 spent as the base earn rate.
• Receive UNI$1 for every S$5 spent.
• Choose your preferred category/categories to earn Bonus 9X UNI$.
• Maximum cap of 1,800 Bonus 10X UNI$ points per calendar month, equivalent to S$1,000 spent per calendar month.
• Redeem UNI$ for air miles at the conversion rate of UNI$1 = 2 miles.
• Select from a variety of transaction categories to earn bonus rewards, such as Beauty and wellness, Dining, Entertainment, Family, Fashion, Transport, and Travel.
• You can change the bonus transaction category at any time, and the changes will take effect every quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec).
• The UOB UNI$ Rewards points terms and conditions state that certain transactions are excluded from earning UNI$ rewards points, such as payments via AXS, EZ Link, PayPal, YouTrip, bill payments, instalment plans, cash advance, payments to property, insurance, financial, educational, and governmental transactions.

Grocery

• Enjoy earning 10X UNI$ (or 20 miles) per S$5 spent on Family category, which includes Grocery and Kidswear, with no minimum spend required.
• You have the flexibility to change your category every quarter.
• This offer is valid for both online and in-store spending, as well as for local and overseas transactions.

Entertainment

• Earn 10X UNI$ (or 20 miles) for every S$5 spent on Entertainment, with no minimum spend required.
• Enjoy the flexibility to switch your category every quarter.
• Enjoy this offer for both online and in-store purchases, locally and overseas.

Air Miles

• Earn 4 miles for every S$1 spent on selected categories, including online, in-store, local, and overseas transactions.
• There is no minimum spend required, but the bonus miles are capped at 1,800 UNI$ (equivalent to 3,600 miles) per calendar month, which corresponds to S$1,000 spent.
• You can convert your accumulated UNI$ into air miles at a rate of 2 miles for every UNI$1 redeemed.

Online Shopping

• Earn 10X UNI$ (or 20 miles) for every S$5 spent on Fashion, with no minimum spending required.
• Enjoy the flexibility to change your selected category every quarter.
• This offer is valid for online and in-store purchases, as well as local and overseas spending.

Other Features

• Earn 10X UNI$ (or 20 miles) per S$5 spent with no minimum spend required, by choosing your preferred spending category from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel.
• Change your Preferred Category(ies) Spending every quarter to suit your needs.
• Enjoy the UOB Lady’s LuxePay Plan, offering 6 or 12-month installment plans with no interest or processing fees.
• Get free e-Commerce protection for online purchases up to USD$200.
• Receive high female cancer coverage of up to S$200,000 sum assured with the UOB Lady’s Savings Account.
• LOANPANDA aims to provide accurate and up-to-date information. However, please note that information may differ from what is presented on the financial institution, service provider, or specific product site. LOANPANDA is not liable for any compensation should the information be outdated compared to that of our partner.

Eligibility

Singaporean/PR Minimum Income

• S$30,000

Non-Singaporean Minimum Income

• S$40,000

Fees and Charges