UOB Visa Signature Card
Earn 4 miles per dollar on Overseas, Petrol, and Contactless Transactions (including SimplyGo)
UOB Visa Signature Card Overview:
The UOB Visa Signature Card is ideal for those who regularly spend on big-ticket items, offering 4 miles per dollar on contactless, petrol, and overseas (FCY) transactions when you hit a S$1,000 minimum spend per statement month.
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$50,000 (locals/PRs) ; S$40,000 (Foreigners)
- Annual Fee: S$218, first year waived
Key Benefits:
- Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
- Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
- Spending Cap:
- Until 1 August 2025 Statement:
- Combined cap of S$2,000 per statement month
- From 1 September 2025 Statement – Split into 2 categories:
Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month
Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month
Note: Categories 1 and 2’s cap are separate — you can meet just one or both.
- Until 1 August 2025 Statement:
How to Best Optimise it:
Best Used on Large Purchases (SGD Contactless and FCY Overseas)
- This is ideal for big-ticket contactless purchases spent in SGD, especially those between S$1,000 and $2,000 (S$1,200 effective 1 September 2025 statement) made via contactless payment. When this threshold is met within a statement month, you’ll earn 10 UNI$ per S$5 spent, effectively 4 miles per dollar. This makes it perfect for major one-off expenses like paying a wedding banquet, buying a new phone, TV, or furniture. Note that this has a shared spend cap with Petrol spends.
- You’ll also earn 4 miles per dollar on large overseas transactions made in foreign currency, provided the same minimum monthly spend is met. This makes it a great option when traveling or making big-ticket overseas purchases including online, in-app, or contactless FCY spends, such as designer goods or electronics abroad.
Best for Petrol Spends
- You can also earn 4 miles per dollar on petrol spends as long as it’s under MCCs 5541 and 5542 (excluding SPC and Shell Service Stations). Note that this has a shared minimum spend and cap with SGD contactless spends.
What to Avoid:
Exclusion List:
- AXS*
- AMAZE* (w.e.f. 1 Oct 2024)
- AMAZE* TRANSIT*
- BANC DE BINARY*
- BANCDEBINARY.COM
- EZ LINK PTE LTD (FEVO)
- EZ Link transport
- EZ Link*
- EZ-LINK (IMAGINE CARD)
- EZ-Link EZ-Reload (ATU)
- EZLINK* • EzLink*
- EZ-LINK*
- FlashPay ATU*
- MB * MONEYBOOKERS.COM
- NETS VCASHCARD*
- OANDA ASIA PAC*
- OANDAASIAPA
- PAYPAL * BIZCONSULTA
- PAYPAL * CAPITALROYA
- PAYPAL * OANDAASIAPA
- Saxo Cap Mkts Pte Ltd
- SKR*SKRILL.COM
- SKR*xglobalmarkets.com
- SKYFX.COM•
- TRANSIT*
- WWW.IGMARKETS.COM.SG
- IPAYMY*
- RWS-LEVY*
- SMOOVE PAY*
- SINGPOST-SAM*
- RazerPay*
- NORWDS* (w.e.f. 21 Jul 2024)
MCC | Description |
4829 | Wire Transfer/Remittance |
4900 | Utilities |
5199 | Nondurable Goods |
5960 | Direct Marketing – Insurance Services |
5965 | Direct marketing –Combination Catalog and Retail Merchants (wef 1 October 2024) |
5993 | Cigar Stores and Stands (wef 1 October 2024) |
6012 | Member Financial Institution–Merchandise and Services |
6050 | Quasi Cash–Financial Institutions, Merchandise and Services |
6051 | Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency, Cryptocurrency) |
6211 | Securities–Brokers and Dealers |
6300 | Insurance Sales/Underwrite |
6513 | Real Estate Agents & Managers – Rentals |
6529 | Quasi Cash-Remote Stored Value Load-Financial Institute Rentals |
6530 | Quasi Cash-Remote Stored Value Load-Merchant Rentals |
6534 | Quasi Cash-Remote Money Transfers |
6540 | Stored Value Card Purchase/Load |
7349 | Clean/Maint/Janitorial Serv aka Property Management |
7511 | Quasi Cash – Truck Stop Trxns |
7523 | Automobile Parking Lots and Garages |
7995 | Gambling – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks |
8062 | Hospitals |
8211 | Schools, Elementary and Secondary |
8220 | Colleges, Universities, Professional Schools and Junior Colleges |
8241 | Schools, Correspondence |
8244 | Schools, Business and Secretarial |
8249 | Schools, Trade and Vocational |
8299 | Schools and Educational Services–Not Elsewhere Classified |
8398 | Charitable and Social Service Organizations |
8661 | Religious Organizations |
8651 | Political Organizations |
8699 | Membership Organizations (Not Elsewhere Classified) (wef 1 October 2024) |
8999 | Professional Services (Not Elsewhere Classified) (wef 1 October 2024) |
9211 | Court Costs including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payment |
9402 | Postal Services—Government Only |
9405 | Intra-Government Purchases—Government Only |
9399 | Government Services—not elsewhere classified |
Past Buffs/Nerfs:
Buffs:
- From 1 July 2025, you can earn 4 miles per dollar on SimplyGo Transactions (Visa payWave or mobile payment). Miles will be awarded in blocks of S$5. But don’t worry if your daily SimplyGo transactions are below S$5. This is because UOB will total all SimplyGo transactions within a calendar month for miles calculation. Miles will be awarded around the 7th calendar day of the following month.
- Sample Illustration:
- Let’s say you spend S$3.20 per day for 30 days on bus/MRT rides via SimplyGo, that’s S$96 total spend. Since you’ll only earn in blocks of S$5, only S$95 will be earning miles. So that will be S$95 x 4 miles per dollar = 380 miles earned for the calendar month.
- Sample Illustration:
Nerfs:
- Previously, both categories shared a combined cap of UNI$4,000 per statement period. But from 1 September 2025, the bonus UNI$ cap will be split across two categories:
- Category 1 – Overseas Transactions (including Online): capped at S$1,200 (UNI$2,400)
- Category 2 – Petrol & Contactless: capped at S$1,200 (UNI$2,400)
- Important: The revised caps apply based on your card statement date, not the actual transaction date. For example:
- If your statement is dated 1 August 2025, the old combined cap still applies.
- If your statement is dated 1 September 2025, the new separate caps take effect.
Is it Worth it:
Advantages:
- UNI$ can be pooled with eligible UOB cards
Disadvantages:
- Quite high minimum spend requirement
Transfer Partners:
Transfer Partners | Conversion Ratio |
Krisflyer | 5,000:10,000 |
Cathay Pacific Asia Miles | 5,000:10,000 |
Air Asia A Rewards | 2,500:4,500 |
Frequently Asked Questions:
- When are UNI$ credited to my account
- The base points will be credited when the transaction posts, while the bonus points will be credited in the following statement period
- Do my points pool
- yes, it pools across UOB cards
- When will the UNI$ expire
- UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.
Final Thoughts:
The UOB Visa Signature Card is a strong option for savvy spenders who frequently make large purchases or travel overseas. While the S$1,000 minimum monthly spend may be steep for some, those who can consistently hit this threshold will find great value especially for big-ticket spenders who value miles.
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
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