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UOB Visa Signature
Miles card by UOB · Many hurdles · Min S$1,000 per bucket, a statement
Earns 4 mpd on contactless. Everything else in S$ earns 0.4 mpd. Annual fee: S$218, 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 |
|---|---|---|
| Contactless | Pay by card tap, or by phone tap (Apple Pay, Google Pay) | 4 mpd up to S$1,200 of spend · needs S$1,000 spend |
| Petrol | Any way of paying | 4 mpd up to S$1,200 of spend · needs S$1,000 spend |
| Foreign currency (overseas) | Any way of paying | 4 mpd up to S$1,200 of spend · needs S$1,000 spend · foreign currency only |
| Everything else, in S$ | 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
- Base: UNI$1 per S$5 (0.4 mpd). Bonus UNI$9 per S$5 (10X total, 4 mpd) is credited in the next statement period.
- Overseas Spend: UNI$10 per S$5 on spend overseas or online in foreign currency. Needs at least S$1,000 of Overseas Spend per statement period; capped at UNI$2,400 per statement period.
- Petrol Spend and Contactless Transactions: UNI$10 per S$5. Needs a combined S$1,000 of petrol and contactless spend per statement period; capped at UNI$2,400 per statement period.
- Contactless includes Visa payWave, Apple Pay, Google Pay, Samsung Pay, UOB Mighty and, from 1 Jul 2025, SimplyGo (ABT).
- Each bucket has its own minimum and its own cap (from 1 Jul 2025 for new cardmembers; from the September 2025 statement for existing ones).
Where the bonus applies
- Contactless: any eligible in-store spend paid by tapping the card or phone
- Petrol: MCC 5541 and 5542 (excluding Shell and SPC)
- Overseas: spend overseas or online in foreign currency
Earns nothing on
- NETS transactions, instalments, cash advances and fees
- Bill payments and top-ups
- Shell and SPC service stations
- Excluded MCCs: 4829, 4900, 5199, 5960, 5965, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7995…
- Listed merchant descriptors such as AXS, EZ-Link and PayPal
Fees and limits
Good to know
Two buckets (from 1 Jul 2025 for new cards, from the Sep 2025 statement for existing cards): (1) contactless + petrol combined, and (2) foreign currency. Each needs S$1,000 of its own spend per statement period and has its own cap.
UOB caps the 10X earn at UNI$2,400 per statement period per bucket, which Cardinko reads as S$1,200 of spend.
Petrol at Shell and SPC is excluded. SimplyGo taps (card or phone) count as contactless from 1 Jul 2025.
An overseas tap (Paywave) counts as foreign currency spend, towards the overseas S$1,000 minimum, not the contactless one. UOB's T&Cs (v2.1) don't say which; this is Cardinko's reading.
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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