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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 cashbacks for all purchases in the form of SMART$. When you accumulate sufficient amount of SMART$s, 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$. You earn 8% rebate on purchases at Cold Storage, Market Place, Jasons, Giant and Guardian in addition to 10% discount on bills of various house-brand products at Cold Storage, Giant and Guardian stores. You get 3% cashback on payments with Visa payWave or contactless mobile payment services, making a payment to NETS FlashPay auto-top up, and recurring bill payments made to SingTel, M1, StarHub, Pacnet, Prudential Insurance, United Overseas Insurance, town councils and SPH newspapers. All other purchases will give you a 0.3% rebate.
    • UOB One Card: This card gives extra SMART$ discounts – up to 10% at shops such as The Coffee Bean & Tea Leaf (10% rebate), Shell (7%), United Overseas Insurance (5%), BreadTalk, EpiCentre and Sephora (3%), Cathay Cineplexes (2%), and Cold Storage, Market Place, Jasons, Giant (0.5%).
    • UOB JCB Platinum Card: With this credit card, you can earn twice the SMART$ benefits than other cards. This allows you to get up to 20% discounts at the Smart-partner outlets if you spend S$300 or more at the participating stores.
    • Singtel-UOB Platinum Card: You can use the SMART$ 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 it is a cash rebate scheme and is better when used in a short span rather than letting it accumulate for a long time.

    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
    • Xpressflower.com

    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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