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    UOB Preferred Platinum Visa Card for Rewards: Yet to Get Reviews

    The UOB Preferred Platinum Visa Card is a great card for those who like to shop as well as indulge in the occasional movie or the latest concert.

    • Get 10x UNI$ or 4 miles for every S$5 that you spend online.
    • Get 10x UNI$ or 4 miles for every S$5 you spend on online transactions.
    • Earn UNI$ rewards and SMART$ rebates on-the-spot on purchases made from select merchants.

    Best suited to: Those who love online shopping and like to eat out and catch the occasional movie or catch the latest play.

    Key Features

    Feature Description
    Annual Fee S$192.60 (waived for the first year)
    Rewards points on dining 10x UNI$ for every S$5 spent on selected dining and food delivery
    Rewards points on online/retail shopping 10x UNI$ for every S$5 charged to your card on selected online retail shopping
    Rewards points on grocery 10x UNI$ for every S$5 spent at select department stores and supermarkets
    Rewards points on contactless transactions 10x UNI$ for every S$5 spent
    Reward points on all other retail spends 1x UNI$ for every S$5 spent
    Complimentary travel insurance N.A.

    Joining Perks and Signup Bonuses

    • Get UOB Privileges Passport when you apply for this card. This gives you up to 30% off in many countries in the world.
    • Get discounts at retail stores worldwide with UOB Privileges Passport.
    • Get two complimentary limousine transfers with a minimum spend of S$2,000 in 3 days at Paragon, Singapore. The first transfer is from Paragon to any destination in Singapore and the second transfer is from paragon to your hotel or Changi airport.

    Additional benefits

    • Get SMART$ rebates on the spot through card transactions at outlets such as Shell petrol stations, Cathay Cineplexes, and World of Sports. 1 SMART$ is equivalent to S$1.
    • Offset your next purchase with SMART$ rebates you have earned.
    • Earn SMART$ rebates on purchase or renewal of a personal insurance plan.
    • Get a 5% rebate on EQ insurance policies as well as on policies from United Overseas Insurance.
    • Enjoy exclusive dining privileges and earn SMART$ at participating outlets of BreadTalk, BreadTalk Cafe, Hard Rock Cafe and more.
    • Get promotional offers on shopping, travel, entertainment, and dining. These offers are subject to validity periods as well as terms and conditions.

    Earning Rewards

    • Earn UNI$ rewards on contactless transactions made using Visa payWave, Apple Pay, Samsung Pay, Android Pay, and UOB Mighty.
    • The UNI$ points awarded on select online transactions and contactless payments is capped at UNI$2,000 each month. All transactions will earn 1x UNI$ for every S$5 that you spend post this.
    • Transactions that are part of UOB’s instalment payment plan will not earn any UNI$.
    • Purchases that earn you SMART$ rebates are not eligible for UNI$.
    • UNI$ earned can be converted to miles or redeemed for rewards from over 4,000 partner stores and restaurants.
    • UNI$1 is equal to 2 miles. 14 to 21 working days may be required to transfer your UNI$ to miles.
    • UNI$ points earned will expire two years from the last day of each quarter in which the UNI$ was earned. UNI$ calculations follow the calendar year starting from January and ending in December.

    Let Us Illustrate:

    Let’s say, that in a month, you made transactions worth S$2,500. Of this, you spent S$700 on online shopping at selected merchants. You also spent S$200 on dining at select restaurants. During the month, you also used contactless payment methods and made transactions worth S$1,000. All of your other retail transactions for the month amount to S$600. The reward points you’ll earn per category are:

    Spend categories Monthly spend Points earned Equivalent miles
    Online shopping at selected merchants S$700 1,400
    Dining at selected restaurants S$200 400
    Contactless payment methods S$1,000
    • 200 points at 10x
    • 180 points at 1x
    (Since the cap on 10x points is UNI$2,000 and you have already earned UNI$1,800 you earn 200 points at 10x only on S$100. The remaining S$900 earns points at 1x for every S$1.)
    Other retail transactions S$600 120
    Total S$2,500 2,300 4,600

    Redeeming your Earned Rewards

    Redeem your reward points for a voucher by:

    • Logging onto UOB’s webpage for points redemption.
    • Calling the bank’s 24-hour hotline.
    • Some of the popular vouchers and rewards are:
      • A S$50 Mandarin Gallery Gift Voucher.
      • A voucher worth S$50 for Ferragamo.
      • A S$20 voucher for group dining at Les Amis.
      • A S$20 voucher for Atos Fitness Club.
      • A S$50 eVoucher from Scoot.
      • Other dining, lifestyle, shopping, and travel rewards.
    • A voucher will be mailed to your billing address within seven working days from the time of a successful redemption.
    • Present the original voucher to a participating merchant for rewards redemption.
    • If your purchase exceeds the voucher value, just pay the difference.
    • Reward points can also be used to save on your purchases by using your points instantly. Present your principal card to the participating merchant at the time of purchase and exchange your points for a voucher.

    Interest rates

    Type of Interest Charge
    Retail Purchases 25.9% p.a.
    Cash Advance 28% p.a.
    Instalment Payment Plan 0% p.a.

    Other Fee and Charges

    Type of Charge Charge
    Overseas Transaction Fee 2.8% of the transaction amount
    Late Payment Fee S$90 per month
    Over Limit Fee S$40
    Cash Advance Fee 6% of the amount, with a minimum fee of S$15
    Supplementary Card Fee The first card is free; second card has 1-year fee waiver, every subsequent year has an annual fee of S$96.30

    Activating the card for overseas expenses

    The magnetic stripe of your card has to be activated for retail transactions at non-EMV POS terminals overseas. You can do it by doing one of the following:

    • Visiting your nearest UOB branch.
    • Visiting the nearest UOB ATM.
    • Downloading the relevant form from the bank’s website, completing it, and mailing it to the Robinson Road branch of the bank.
    • Calling the UOB 24-hour hotline.

    For safety reasons, deactivate the magnetic strip of your card on returning to Singapore.

    Instalment Payment Plans Available

    • Convert big-ticket purchases into affordable instalments with SmartPay, UOB’s instalment payment plan.
    • Payment can be spread over 3-month, 6-month, or 12-month tenures.
    • A low one-time processing fee will be applied.
    • The annual effective interest rate (EIR) depends on the tenure you choose. It is:
      • 18.18% p.a. for a 3-month tenure.
      • 10.43% p.a. for a 6-month tenure.
      • 9.5% p.a. for a 12-month tenure.

    Cash Withdrawal on the Credit Card

    • The minimum withdrawal amount is S$200 per day if you apply via SMS or ATM.
    • The maximum amount of cash from any UOB ATM is S$3,000 per day.
    • At any time, up to 75% of the credit limit available on the card can be withdrawn.

    Eligibility Criteria

    Click here to find out whether you will be allowed to apply for this card or not.

    Lost/Stolen cards

    If you discover that your card is missing or has been stolen, do the following:

    • Notify UOB by calling their hotline.
    • Provide UOB with a police report, if asked for.
    • Provide UOB with a legal form in the format prescribed by the bank, if asked for.

    Your liability for unauthorised transactions made on your card will be limited to S$100 if:

    • The bank establishes through its investigation that you weren’t complicit in the fraud.
    • It is also established that you weren’t grossly negligent while handling the card.

    The bank may decide to waive off this charge at its discretion.

    Is your friend enjoying great perks and discounts through her card? Are you interested in a credit card that your friend suggested? You can find out more on cards here and apply for it directly on the site too!

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Set up GIRO instruction

    To enable standing instructions for your card’s monthly payments, download the GIRO form, fill it up and mail or fax it to UOB. To disable these instructions, contact the bank.

    How to Apply for the Card & Check the Application Status

    Personal visit/internet banking portal/SMS/online

    You can apply for the card online on the bank’s website. If you submit your application and submit the required documents by 1:00 p.m., you will receive the card on the same day.

    Other ways to apply are:

    • Via SMS if you have a UOB credit card;
    • Via personal visit to the bank;
    • Via internet banking if you have access to it.

    How to Check Balance

    Phone/mobile/internet banking

    Use one of the following to know what your credit card balance is:

    • Phone banking
    • Internet banking
    • UOB Mighty mobile banking

    How Can the Bill Be Paid?

    GIRO/ATM/iNETS/online banking and others

    Use one of these modes to pay your credit card bill:

    • AXS stations
    • Interbank GIRO
    • S.A.M. Machines
    • Via any UOB ATM
    • Via phone banking
    • Via any iNETS kiosk
    • Via online banking
    • UOB cash deposit machines
    • By cash payment at any branch
    • Via cheque made payable to “UOB Card Centre”

    How Much Is the Minimum Payment to Be Made on the Card?

    S$50 or 3% of the dues

    The least amount payable on your card is 3% of the current balance or S$50 (the higher amount). If there is any outstanding balance or over-limit amount, then you will have to pay that as well.

    What Is the Grace Period?

    21 days

    The interest-free period for your UOB Preferred Platinum Visa Card is 21 days from the statement date. You have to ensure that your previous bills are completely cleared to enjoy this privilege.

    Which Mobile Wallets Can This Be Used With?

    Mighty/Android Pay/PayNow/Apple Pay Samsung Pay

    You can make contactless payments by linking your card to the following payment wallets:

    • PayNow
    • Apple Pay
    • UOB Mighty
    • Android Pay
    • Samsung Pay

    Can It Be Used With EZ-Link?

    Yes

    Your card can be linked with EZ-link. You will, however, not earn any rewards on EZ-link transactions.

    How to Block or Unblock the Card

    Contact UOB on hotline

    To block or unblock your card, you can contact UOB’s 24-hour customer service hotline.

    How to Reset the PIN

    Use the PIN Change form

    To reset the PIN on your credit card, submit the form for the same to UOB. Your new PIN will be sent to your registered mailing address.

    What Is the Billing Cycle and the Bill Due Date?

    Once a month

    You will receive your credit card statement once a month commencing from the date on which your card was approved.

    The due date will be seen on your credit card statement. The minimum amount or the complete amount needs to be paid by the due date to avoid any late fees.

    How to Get a Replacement Card

    Fill and submit a form

    To get a replacement card, fill in the form for the same and mail it to the bank. Your replacement card will be sent to your registered mailing address.

    How to Temporarily Increase the Limit of the Card

    Call UOB 24-hour hotline

    Call UOB’s 24-hour customer service hotline for a temporary increase in your credit limit. Keep in mind, though, that temporary credit limit increase is only applicable for weddings, overseas travel, medical expenses, hospitalisation expenses, and compassionate visits.

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