Issuance & Redemption of UNI$
Yes. Rewards redemption via the UOB website catalogue will be discontinued with effect from mid-July 2026.
You can continue to redeem your rewards via Rewards+ on UOB TMRW.
It is a loyalty rewards programme where UOB Cardmembers earn UNI$ whenever he/she spend on his/her eligible Cards. Cardmembers can log in to Rewards+ on UOB TMRW to redeem a variety of exciting rewards, including shopping and dining vouchers, movie tickets, and more, whenever they have sufficient UNI$.
You earn UNI$1 for every 5 SGD you spend on eligible purchases on an eligible UOB Card. UNI$ are calculated per transaction, and rounded down to the nearest whole number. For more details on how you can earn and use UNI$, please see section B in our Terms and Conditions at https://www.uob.com.sg/assets/pdfs/personal/cards/rewardsplus_tnc.pdf.
Supplementary Cardmember(s) can earn UNI$ but these UNI$ will be accumulated in the Principal Cardmember's account. Only Principal Cardmembers can redeem UNI$.
The UOB Rewards Programme automatically combines all of the UNI$ you earn from different UOB Credit Cards into one. However, you cannot transfer UNI$ between different cardmembers.
Your UNI$ balance will be reflected on your monthly credit card statement. You may also log in to Rewards+ on UOB TMRW or your UOB Personal Internet Banking to check your available UNI$ and make a redemption.
You can redeem your UNI$ via:
a) Rewards+ on UOB TMRW. Tap on Redeem UNI$ to start redeeming.
b) Participating Merchants offering Instant Rewards Redemption on payments made with eligible physical Mastercard/Visa card. Log in to Rewards+ on UOB TMRW and tap on Redeem UNI$ > Instant Redemption to view the full list of participating merchants.
You can browse and redeem rewards with your UNI$ on UOB TMRW. Simply log in to Rewards+ on UOB TMRW and tap on Redeem UNI$.
For items/e-voucher redemption, an SMS with unique code will be sent to the mobile number registered with the bank.
For miles redemption, successful conversion will be reflected in the respective airlines account (up to 5 working days for KrisFlyer miles and 14 working days for Asia Miles).
There will be no cancellation or replacement of vouchers.
Your UNI$ earned shall expire 2 years from the last day of each periodic quarter in which the UNI$ was earned. Each UNI$ period is calculated commencing from January to December of each calendar year. Expired UNI$ cannot be replaced or reinstated.
For any enquiries pertaining to UNI$, please call UOB 24-hour Call Centre at 1800 222 2121.
Instant Rewards Programme
You can use your UNI$ for Vouchers or to offset your purchases directly at the participating malls and retail/ dining outlets. Instant Rewards are not available for supplementary card holders.
You may refer to Instant Rewards category here for an updated list of participating Instant Rewards partners.
To perform an instant redemption, you must present your UOB credit card at the participating merchant. Simply tap your physical UOB card at the POS terminal and choose to offset your purchase by the amount available to you.
Instant reward redemption is not available for supplementary card holders.
Do note that Instant rewards redemption is not applicable for UOB American Express, Singtel-UOB, UOB JCB and UOB Union Pay Credit Cards.
There will be no cancellation.
Pay with UNI$
It is a seamless digital payment and rewards redemption program that allows you to use your UNI$ to
- Offset your bills and purchases instantly at key e-commerce platforms anytime, anywhere
- Convert for things you love at our partners' app
You may refer to our list of participating partners here.
Cash Rebate Auto Conversion Programme
Enrolment will cease from 14 June 2026 onwards.
The Cash Rebate Auto Conversion Programme will be discontinued W.E.F. 31 July 2026. The last conversion will be completed by 31 July 2026.
No fee will be imposed for each conversion.
The automated conversion to cash rebates is made available to Credit Cardmembers only and excludes Corporate Cardmembers.
No conversion will be made if there is insufficient UNI$.
You will be able to see the cash rebates credited to your selected Credit Card in the next calendar month of the conversion.
Frequent Flyer Programme
Please click here for the enrolment form.
To redeem, simply complete the online application form here.
Yes, conversion fee of S$27 will be charged per redemption.
Your UNI$ can be converted to either KrisFlyer or Asia Miles (in blocks of UNI$5,000 to 10,000 miles).
Redemption of frequent flyer miles is made available to Credit Cardmembers only.
Up to five (5) working days
Up to five (5) working days for KrisFlyer miles and fourteen (14) working days for Asia Miles.
There will be no specific confirmation, please contact the respective airlines for the conversion status.
KrisFlyer Auto-conversion Programme
Enrolment will cease from 20 April 2026 onwards.
The KrisFlyer Auto-conversion Programme will be discontinued W.E.F 20 May 2026. The last conversion cycle for UNI$ balance as of 20 April 2026 will be completed by 31 May 2026.
For customers who enrolled in the programme and were charged an annual conversion fee of S$50 between May 2025 to May 2026, a full refund of the S$50 conversion fee will be credited to the credit card enrolled in the programme by 31 July 2026. No further actions required.