The UOB Visa Signature Card gives you rewards on all purchases you make in Singapore, without a cap on how much you can accumulate in a given period. The card gives you UNI$ when you spend on your travels overseas. It also gives you UNI$ when you use contactless modes of payment and on online and petrol spends. You can also get SMART$ rebates when you shop at participating stores. These rewards are available all through the year. This card helps you save money on petrol expenses in Singapore. With added benefits like insurance coverage for accidents, and emergency medical aid, you can travel in peace.
|Rewards points on online transactions in foreign currency||UNI$10 per S$5|
|Rewards points on overseas spends in foreign currency||UNI$10 per S$5|
|Rewards points on petrol||UNI$10 per S$5|
|Rewards points on contactless payments||UNI$10 per S$5|
|Rewards points on all other retail spends||UNI$1 per S$1|
|Complimentary travel insurance||Up to S$500,000|
Please note – There is a minimum spend requirement and cap on your earnings, which we shall discuss a little later.
Are you travelling overseas any time soon? If so, taking this card along with you abroad will help you get 10x UNI$ when you use it to pay for your expenses in foreign countries. It also gives you the same rate of rewards when you buy petrol at participating outlets in Singapore. Do you shop online a lot? Then use this card to pay for your online purchases and get 10x UNI$. The card also gives you 10x UNI$ when you use it to make contactless payments. On all your other spends in the country, get 1x UNI$. Truly rewarding.
This is yet another way in which this card rewards you. When you shop at participating merchants, you are eligible to get SMART$ rebates. These rebates are available all the year round and each SMART$ is the same as 1 Singapore dollar. You can accumulate the SMART$ you earn and use them to get discounts on future purchases. Do keep in mind that SMART$ rebates remain valid only for 6 months from when they were issued. So make sure that you use them before they expire.
Driving your own car can become expensive. Using the UOB Fuel Power facility, you can save on your petrol expenses. This programme gives you the best prices for petrol at 98 different outlets on the island. At Shell petrol stations, you will be able to save up to 20.8% on petrol when you use this card to pay.
Whenever you travel, especially if you’re going overseas, you might be worried about a number of things that can go wrong. The UOB Visa Signature Card helps ease your fears by giving you benefits such as coverage of a maximum of S$25,000 for emergency medical aid, repatriation, and evacuation. The card also gives you a coverage of half a million Singapore dollars as part of the Public Conveyance Personal Accident policy. Travelling just became that much less burdensome.
The UOB Island of Rewards gives you privileges and benefits across various categories. You can convert the UNI$ you earn and accumulate into cash rebates. You can also redeem them to get vouchers related to shopping, dining, and travel. You can make use of these vouchers to get offers and discounts at more than 100 merchants participating in this programme in Singapore. Apart from this, you can also convert your UNI$ into vouchers right away at more than 1,000 stores on the island.
Let’s say you’ve spent S$2,500 in a month on different categories. The following table shows monthly spends across different categories and the UNI$ rewards earned on each.
|Spend category||Monthly spend||Points earned (UNI$)|
|Dining (Visa payWave or online payment)||S$400||800|
|Groceries (Visa payWave or online payment)||S$500||1,000|
|Other retail spends||S$700||700|
|Total expenditures per month||S$2,500||4,000 (the maximum you can earn)|
UOB offers a free travel insurance policy with personal accident benefit and immediate medical assistance or evacuation. This policy will cover you if you charge your entire travel fare to the card.
The table below shows the coverage of the travel insurance:
|Benefits||Sum assured/percentage of sum assured|
|Immediate medical evacuation or assistance||S$25,000|
|Loss of limbs||100%|
|Loss of eyesight||100%|
|Permanent Total Disability||100%|
|Type of interest||Charge|
|Retail purchases||25.9% p.a.|
|Cash advance||28% p.a.|
|Instalment payment plan||0%|
|Type of charge||Charge|
|Annual Fee||S$214 (waived for the first year)|
|Overseas transaction fee||2.8% on the transaction amount|
|Late payment fee||S$90|
|Cash advance fee||S$15 or 6% of the amount, whichever is higher|
|Supplementary card fee||S$107 (second card onwards)|
The magnetic stripe of all UOB credit cards must be activated for overseas use. You can follow the steps below to activate:
The processing fee and EIR (in case you do not pay the instalment amount in full) for the different tenors are:
|Tenure||Processing fee||EIR (p.a.)|
If you want to apply for this card, check out our UOB credit cards main page for a list of eligibility parameters.
Choosing one credit card from multiple options is not easy especially when you are not sure about the category. However, we can help you choose a card tailored to your requirements. If you want to know more, you can find credit cards here.
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How to Enable/Disable Auto Debit & Standing Instructions
Through GIRO arrangement
Set up GIRO payments to your credit card bill by linking a bank account through the relevant form on UOB official website. Cancel this setup by communicating with your relationship manager at UOB.
How to Apply for the Card & Check the Application Status
Online form/SMS/internet banking
You can apply for the card through bank’s website or in person at a branch. Other methods are:
How to Check Balance
Phone, internet or mobile banking
You can check your card balance through:
How Can the Bill Be Paid?
Cheque/Cash/iNETS/GIRO and others
There are multiple ways of paying credit card bill:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the balance or S$50
Your minimum monthly payment would be 3% of the current outstanding balance or S$50, whichever is higher. It will also include any amount due from previous statements and any amount borrowed in excess of the credit limit.
What Is the Grace Period?
The grace period, also known as interest-free period, is 21 days starting from the date of the generation of the statement. During this period, if you have cleared all previous bills fully, you will not be charged any interest on the transactions you made with the card.
Which Mobile Wallets Can This Be Used With?
Apple Pay/Samsung Pay/Android Pay/PayNow/UOB Mighty
Can It Be Used With EZ-Link?
Yes, it can be used to automatically top-up your EZ-Link card. To link this card with your EZ-Link card, you will have to download a form from the bank’s website and send it to the bank.
How to Block or Unblock the Card
Call the 24x7 hotline
You can call the bank’s 24-hour customer service helpline to get your card blocked or unblocked.
How to Reset the PIN
Fill out the PIN reset form
To reset your card PIN, you will have to fill out a relevant form with details of your card and send it to the bank.
What Is the Billing Cycle and the Bill Due Date?
Check your monthly statement
You can find out about your billing cycle and bill due date from your monthly statement.
How to Get a Replacement Card
Fill and send form to bank
In case your card is lost, damaged, or expired, you can get a replacement form by filling out a replacement application form and submitting it to the bank.
How to Temporarily Increase the Limit of the Card
You can get in touch with the bank to get your credit card limit temporarily increased.