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All About the UOB SMART$ Programme

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UOB SMART$ programme is a reward plan for UOB credit cards. This is separate from the UOB UNI$ rewards on your credit cards. It is a rebate scheme under which the accumulated points can be converted instantly into discounts or cash rebates.

SMART$ Rewards

Many of the cash rebates given by UOB credit cards are in the form of SMART$. While some cards allow you to earn SMART$ only when you purchase from any of the 900-plus participating merchants in Singapore, some cards give you cashback for all purchases in the form of SMART$. When you accumulate sufficient amount of SMART$, you can encash them at partner outlets at a rate of 1 Singapore dollar for every SMART$.

Eligibility Criteria for Earning SMART$

The SMART$ rewards are available for the following UOB credit cards:

  • UOB Delight Card
  • UOB Preferred Platinum Visa Card
  • UOB One Card
  • UOB JCB Platinum Card
  • Singtel-UOB Platinum Card
  • UOB Professionals Platinum Card

SMART$ is not applicable to UOB PRVI Miles cards, UOB Preferred Platinum American Express Card, UOB UnionPay Platinum Card, and Purchasing or Private Label Cards. SMART$ will not be awarded if you convert your purchases into any kind of instalment payment plan. If you are receiving SMART$ for any transaction, you will not get UNI$ for the same transaction.

SMART$ Accumulation:

You can earn SMART$ in the following ways:

  • UOB Delight Card: The rebates granted by this card are credited to your account in the form of SMART$. You earn 8% rebate on purchases at Cold Storage, Market Place, Jasons, Giant and Guardian in addition to 10% discount on bills of various house-brand products at Cold Storage, Giant and Guardian stores. You get 3% SMART$ rebate on payments with Visa payWave or contactless mobile payment services, making a payment to NETS FlashPay auto top-up, and recurring bill payments made to SingTel, M1, StarHub, Pacnet, Prudential Insurance, United Overseas Insurance, town councils and SPH newspapers. All other purchases will give you a 0.3% rebate.
  • UOB One Card: This card gives extra SMART$ discounts – up to 10% at shops such as City Tours (10% rebate), Shell (7%), United Overseas Insurance (5%), BreadTalk(3%), Air Asia (1%),Cathay Cineplexes, Metro, World of Sports (3%), and Cold Storage, Market Place, Jasons, Giant (0.3%).
  • UOB JCB Platinum Card: With this credit card, you can earn up to 10% SMART$ rebate at over 400 participating outlets including dining, shopping, groceries, petrol, and other merchants.
  • Singtel-UOB Platinum Card: You can use the SMART$ points gathered on your card to offset purchases at SingTel retail shops.
  • UOB Preferred Platinum Visa Card and UOB Professionals Platinum Card: Purchases made at participating Smart$ merchants will give you SMART$, which can then be redeemed at your favourite stores.

Please check with individual credit card features for the minimum payment required to get these cash rebates and other SMART$ rewards.

SMART$ Validity:

SMART$s are valid for a period of 6 months from the date they are earned. This is because SMART$ earned can be redeemed instantly at participating merchant outlets.

SMART$ Participating Merchants:

Some of the participating outlets under the SMART$ scheme are:

  • Adeva Spa
  • Ahava
  • Beanstro
  • Bengawan Solo
  • bYSI
  • Capitol Optical
  • Cathay Cineplexes
  • City Tours
  • Cold Storage
  • ColorWash
  • Columbia
  • Crocodile
  • DHL
  • EpiCentre
  • EQ Insurance
  • Giant
  • Giordano & Giordano Junior
  • Gordon Max
  • Guardian outlets
  • Hard Rock Café
  • Integrated Eyecare Centre
  • Jasons
  • Market Place
  • Metro
  • Mizuno
  • Nail Buffet
  • O.P.I.
  • Ogawa
  • Paris Miki
  • Pasarbella
  • Polar Puffs & Cakes
  • Salomon
  • Sephora
  • Shell
  • The Coffee Bean & Tea Leaf
  • The Ultimate Spa
  • Tissot
  • Unique Fine Pearl
  • United Overseas Insurance
  • Vivace
  • Winter Time
  • World of Outdoors
  • World of Sports

Some of these merchants may accept only certain UOB credit cards, so ensure that you check before buying anything at the stores.

How to Redeem SMART$

Unlike UNI$ where only the primary cardholder can redeem the points for both primary and supplementary cards, SMART$ can be redeemed only by the respective card members. That is, primary cardholder can redeem their own SMART$, while supplementary cardholders can redeem their own points.  You cannot combine the SMART$ accumulated by a primary and multiple supplementary card members to claim higher discounts.

To redeem SMART$, just visit one of the stores in the Smart$ Privileges list and inform them about your intention to use the SMART$ before billing. You will get instant cash discount on your bill when you redeem your points.

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