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UOB Preferred Visa
Miles card by UOB · Easy · No minimum spend
Earns 4 mpd on in-store with Apple Pay / Google Pay / Samsung Pay. Everything else in S$ earns 0.4 mpd. Annual fee: S$196.20, 1st year free.
Checked against UOB's own terms on 2 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| In-store with Apple Pay / Google Pay / Samsung Pay | Pay by phone tap (Apple Pay, Google Pay) | 4 mpd up to S$600 of spend |
| Selected online: shopping, groceries, dining, delivery, pharmacies, entertainment | Pay online | 4 mpd up to S$600 of spend |
| Everything else, in S$ | Any way of paying | 0.4 mpd |
| Everything else, in a foreign currency | Any way of paying | 0.4 mpd |
The bank's full earning rules
- Other retail spend: UNI$1 per S$5 (0.4 mpd).
- Mobile Contactless: UNI$10 per S$5 (UNI$1 base + UNI$9 bonus, 4 mpd) for Apple Pay, Google Pay or Samsung Pay waved at a Visa payWave reader in a physical store. In-app payments don't count as mobile contactless.
- Selected Online: UNI$10 per S$5 (4 mpd) at the merchant categories below; recurring payment arrangements are excluded.
- Bonus caps from 1 Oct 2025: UNI$1,080 bonus per calendar month for Selected Online, and a separate UNI$1,080 for Mobile Contactless (about S$600 of spend each).
- Physical card contactless (tapping the card itself) has earned no bonus since 22 May 2020.
Where the bonus applies
- Mobile contactless: any in-store retail spend not excluded below (SimplyGo public transport counts from 28 Aug 2025; SPC and Shell stations excluded)
- Online, department and retail stores: MCC 4816, 5262, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5732–5735, 5912, 5942, 5944–5949, 5964, 5966–5970, 5992, 5999
- Online, supermarkets, dining and food: 5811, 5812, 5814, 5333, 5411, 5441, 5462, 5499, 8012, 9751
- Online, entertainment and ticketing: 7278, 7832, 7841, 7922, 7991, 7996, 7998, 7999
- Not on the online list: travel (airlines, hotels), taxis and ride-hailing
Earns nothing on
- Cancelled, voided or reversed transactions
- NETS transactions, 0% Instalment, SmartPay, personal loans, balance transfers and cash advances
- Fees, interest and finance charges
- SPC and Shell service station transactions
- Bill payments, top-ups and prepaid account funding
See all 7
- Cancelled, voided or reversed transactions
- NETS transactions, 0% Instalment, SmartPay, personal loans, balance transfers and cash advances
- Fees, interest and finance charges
- SPC and Shell service station transactions
- Bill payments, top-ups and prepaid account funding
- Descriptors: AXS*, AMAZE* (from 1 Oct 2024), AMAZE* TRANSIT*, EZ-Link, FlashPay ATU*, PayPal, Skrill, iPayMy*, SmoovPay*, SingPost SAM*, RazerPay*, NORWDS* (from 21 Jul 2024), TRANSIT*, and forex/trading platforms
- Excluded MCCs: 4829, 4900, 5199, 5960, 5965, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405
Fees and limits
Good to know
Formerly the UOB Preferred Platinum Visa (renamed 10 Mar 2026).
Tapping the physical card earns no bonus (since 22 May 2020); pay with your phone. SimplyGo public transport taps with your phone count as mobile contactless (from 28 Aug 2025).
Mobile contactless at SPC and Shell petrol stations is excluded. Online beauty only counts at drugstores/pharmacies (MCC 5912).
Shell: UOB's terms exclude Shell service stations, so Cardinko shows no rewards there. Some bloggers report Shell still earns in practice (MileLion, Jan 2026); the official terms are followed here.
Where these facts come from
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