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.
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$.
The SMART$ rewards are available for the following UOB credit cards:
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.
You can earn SMART$ in the following ways:
Please check with individual credit card features for the minimum payment required to get these cash rebates and other SMART$ rewards.
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:
Some of these merchants may accept only certain UOB credit cards, so ensure that you check before buying anything at the stores.
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.