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URL:
https://milelion.com/2015/10/02/milelion-credit-card-omibus-week-3-uob/
Submission: On July 18 via manual (July 18th 2022, 8:50:00 am UTC) from SG — Scanned from NL

Form analysis
8 forms found in the DOM

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Text Content

🎁 AMEX Platinum Charge: Apply by 31 July and get 180,000 MR points sign-up
bonus.
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HomeCredit Cards
Credit CardsUOB

THE MILELION CREDIT CARD OMIBUS WEEK 3: UOB

Aaron Wong
Oct 2, 2015

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The Milelion is running a new series that aims to profile every credit card
available in Singapore. Each week we will cover a different bank. The appendix
below will be updated weekly with hyperlinks as more banks are added, allowing
you to navigate between weeks seamlessly

Week 1- OCBC
Week 2- DBS
Week 3- UOB
Week 4- Citibank
Week 5- ANZ
Week 6- American Express
Week 7- HSBC
Week 8- Standard Chartered

--------------------------------------------------------------------------------

WEEK 3: UOB

I’m going to come right out and say I think UOB has one of the best card
portfolios in Singapore for earning miles. It’s got a solid general spending
portfolio (UOB PRVI series), an excellent specialised spending portfolio (UOB
Preferred Platinum AMEX for F&B, Preferred Platinum Visa for online, UOB
Signature for overseas) and they pool your points from various cards together
making it easier to redeem (a practice that DBS also follows, but Citibank does
not)

POINTS/MILES CARDS

UOB PRVI MILES CARDS

* Annual Fee: $256.80 (AMEX, Visa, Mastercard) (First year fee waiver)
* Income Req: $80,000 (Singaporeans & Foreigners)
* Marketing Spiel: 1.4 miles per $1 of local spend, 2.4 miles for overseas
spend, 3 miles for SQ/MI/Krisshop. 20,000 bonus miles with $50,000 annual
spend
* The catch: High income requirement, although they’ve been known to look the
other way if you’re off by a little bit. Airport limo benefit has been
drastically devalued
* Sign up here for AMEX, here for Visa and here for Mastercard

Where to start? This is the series of cards that has consistently offered the
best general spending earning ratios in Singapore for both overseas and local
spend.

The main limitation of the portfolio used to be that it was only offered in
AMEX, which suffers from a chronic lack of acceptance. When they launched the
Mastercard version, it had a ridiculously high annual fee (upwards of $400 if i
recall correctly- but remember that you should never be paying annual fees).
That’s since been toned down to $256.80, on par with the AMEX version. Now that
they’ve got the Visa and Mastercard versions with the same annual fee as the
AMEX version, there’s really no point in having the AMEX version. I’d go with
the Mastercard version, because (1) taxis do not take Visa and (2), the
Mastercard version is a World Mastercard, which gives you SPG Gold status with a
single stay at any Asia Pacific property

PRVI gives you 1.4 miles for local spend, 2.4 miles for overseas spend and 3
miles for spending with SQ, MI or Krisshop. They also used to have a limo
benefit, but that’s been severely devalued now. You need to spend S$1,000
overseas within each qualifying quarter which entitles you to a S$45 limo
rebate. That is, you spend the money first, get reimbursed later. Pass.

Until September, PRVI was having a sign up promotion that effectively let you
buy miles at 1.7 cents each, which was a pretty tidy piece of business for you
given the potential to redeem those miles at 4-5 cents each on business class
travel. That promotion has since ended, but I’m sure it will soon reappear.

There’s an annual bonus of 20,000 miles if you spend $50,000 on the card.
Whether or not this is worth it of course depends on your individual spending
patterns, but if this is your general spending card it’s a nice bonus to have.

Yay or Nay: Yay, definitely

UOB VISA SIGNATURE CARD

* Annual Fee: $214 (First year fee waiver)
* Income Req: $50,000 (Singaporeans & Foreigners) OR fixed deposit collateral
of $20,000
* Marketing Spiel: 4 miles per $1 on overseas spend, Paywave spend and online
spend
* The catch: Capped at first $2,000 spend each month, subject to $1,000 minimum
monthly spend. Offer does not apply at merchants who issue SMART$. UOB’s
interpretation of online transactions is not as generous as DBS’
* Sign up here

I only recently discovered this card, and although there are catches to the 4
miles per $1 of overseas spend spiel, I think I can make it work.

If your job requires you to spend significant time overseas, you can engineer an
easy 8,000 additional miles each month. Assuming you spend >S$1,000 per
statement period, you can earn 4 miles per $1 on the first S$2,000 of overseas
spend (after which you should switch back to a general spend card like the UOB
PRVI Miles)

You also earn 4 miles per $1 for Visa Paywave transactions, but the fine print
says that where UOB Smart$ are offered, this benefit does not apply. Quite a few
Paywave merchants are also Smart$ merchants (eg Cold Storage), which limits the
appeal of this somewhat.

Visa Signature is a higher tier of Visa, and owning this card makes you eligible
for the UOB Visa Luxury Collection, a hotel booking portal which grants special
benefits when you book through them, such as late check out, room upgrades, a
US$25 F&B credit, free breakfast and wifi.

Yay or Nay: Yay, if your job lets you spend on your personal card overseas

UOB PREFERRED PLATINUM CARD ACCOUNT

* Annual Fee: $192.60 (First year fee waiver)
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: 4 miles per $1 on dining spend both local and overseas
* The catch: Does not apply to hotel dining, and certain places you might think
are restaurants aren’t really restaurants (eg Jones the Grocer). Only the
AMEX version enjoys the bonus
* Sign up here

The marketing material trumpets the fact that you get 2 cards, but you really
should just put the Mastercard in the drawer and never use it. Either that, or
use it to balance a table or cut lines of narcotics. That’s because the
Mastercard is absolutely pointless. The AMEX is the entire point of this
product- that’s what gets you the beefy 4 miles per $1 for restaurant spending.

People complain that “it’s an AMEX and no one accepts AMEX”. But that’s sort of
missing the point. Because no one accepts AMEX, AMEX has to offer better rewards
just to get people to use it. You won’t find such a good offer with a Visa card
(the Citibank Clear Platinum card gives 2 miles per $1 of dining but still
that’s literally only half as good (I did not abuse the term “literally” here))
because they don’t have to. Everyone will use Visa anyway.

Remember that dining in hotels usually codes as “hotel” spend, so you won’t earn
this bonus. There is a useful list here that lists down which restaurants people
have successfully got the 4 miles per $1 spend at, and it’s well worth a read.

This card is positioned as an entry level card, which means that you only need
the MAS-mandated minimum of $30,000 to apply for it. You’ll also earn 0.8 miles
per $1 on general spend, which is the best rate you could get if you don’t
qualify for a general spending card (eg the DBS Altitude Visa which starts
upwards of $50,000)

Yay or Nay: Yay, definitely. The low income requirement means that if you can
get a card, you can get this card. And all that dining spend will add up over
the course of a year

UOB PREFERRED PLATINUM VISA

* Annual Fee: $192.60 (First year fee waiver)
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: 4 miles per $1 on online shopping and entertainment or Visa
payWave
* The catch: Capped at first $12,000 spend each year. Offer does not apply at
merchants who issue SMART$. UOB’s interpretation of online transactions is
not as generous as DBS’
* Sign up here

This card is positioned in the same way as DBS’ Woman’s World Card. The main
difference is that UOB is much more narrow in its interpretation of what
constitutes an online transaction. With the DBS Woman’s World Card, I’ve got the
online bonus for things as diverse as paying parking fines (it happens), paying
membership renewal fees, paying for translation services, using Paypal to send
money to other people, paying for movie tickets, paying for airline tickets etc
etc.

I’ve never used the UOB Preferred Platinum Visa but there’s a reason for that.
If you read HWZ (and this useful online google doc link here), you’ll realise
that UOB disqualfiies airline tickets, paypal, eBay, Foodpanda, GV, bill
payments etc from getting the bonus. To be fair, UOB does state that only
“online shopping and entertainment” qualifies for the online spending bonus, but
those terms are vague in a way that benefits the bank. Am I not entertained by
renewing my ICPAS membership?

So if you’re determined to get the card, I won’t stop you, but don’t expect to
earn as much online as you would from the DBS Woman’s World Card.

Yay or Nay: Yay if your income doesn’t allow you to qualify for the DBS Woman’s
World card, but that said even the standard DBS Woman’s Card offers 2 miles per
$1 for online spend plus a generous interpretation of “online”

UOB LADY’S CARD/ LADY’S PLATINUM

* Annual Fee: $128.40 for Regular (First year fee waiver), $192.60 for Platinum
(First year fee waiver)
* Income Req: $30,000 (Singaporeans), $40,000 (Foreigners) OR minimum fixed
deposit collateral of $10,000. Same income requirement for Platinum and
Regular
* Marketing Spiel: 2 miles per $1 on taxis, department stores, overseas spend
and online shopping
* The catch: Only females can apply,
* Sign up here for Regular, here for Platinum

Although nowhere as chio as DBS’ female offering, the UOB Lady’s Card has some
redeeming value. Suppose you’re earning the bare minimum needed to get a credit
card. The good general spending cards are not an option for you, given that they
need income upwards of $50,000.

If you used the UOB Lady’s Card as a specialised spending card, you’d get 2
miles per $1 on taxi rides, local department stores, overseas spending and
online shopping.

Which brings me to the confusing bit- UOB also offers the Lady’s Card in a
Platinum version. While I’m sure the design is very fetching, I don’t see what
difference exists between the two cards. They earn exactly the same bonuses on
specialised spend, they require the same income (I thought they might be going
the route of OCBC and saying hey let’s do a card that has a really high income
requirement but offers shit benefits and people will still pay us because it
makes them feel good!)

Like, seriously guys. I switch between tabs in chrome with the Regular version
and the Platinum version open in 2 different tabs and the only thing that
changes is the annual fee. So, ladies, UOB believes that you will be willing to
pay $60 more per year (although you shouldn’t really be paying annual fees) for
a card that says Platinum.

Note that unlike DBS’s egalitarian offering, the UOB Lady’s Card is only for
female applicants.

Yay or Nay: Nay. DBS’s offering is way more attractive

CASHBACK/CO-BRANDED CARDS

UOB DELIGHT CARD

* Annual Fee: $85.60 (First year fee waiver)
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: 8% rebate at Cold Storage, Market Place, Jasons, Giant,
Guardian, 10% off house brands, 3% rebate on contactless payments
* The catch: You need to spend >=$800 on this card to qualify for the 8% SMART$
rebates, fall short and you’d earn only 3% or 0.3%. Earning SMART$ means no
UNI$
* Sign up here

This card is squarely targeted at brands in the Dairy Farm Group, including Cold
Storage, Market Place, Jasons, Giant and Guardian. Obviously, there’s no reason
to use it outside these places because your rebate drops to 0.3%. The catch
(and there is always a catch with rebate cards), is that the rebate scales as
follows

* Spend $800 or more per month you get 8%
* Spend between $400 and $799 and you get 3%
* Spend less than $400 and you get 0.3%

Note that this spending can be on anything- and that’s the catch. It’s unlikely
you will spend $800 on groceries, so to meet that $800 you’re going to have to
do some spend elsewhere, which attracts the pathetic 0.3% rebate. So UOB is
giving with one hand and taking away with the other. Your actual rebate will be
some blended figure between 0.3% and 8%, depending how you split that $800.

Again, this card is more for those who have decided that miles isn’t for them
and are happy with cashback instead. You also get 2X bonus tapformore points
when you use this card, but that’s arguably of limited use, as shown here.

Yay or Nay: Nay, unless you’ve decided miles aren’t for you

UOB ONE CARD

* Annual Fee: $128.40 (First year fee waiver)
* Income Req: $30,000 (Singaporeans), $40,000 (Foreigners) OR minimum fixed
deposit collateral of $10,000
* Marketing Spiel: “The most generous rebate card in Singapore”
* The catch: Only it’s not
* Sign up here

Cashback cards are, well, bad. Banks are loathe to part with cash, after all. So
all cashback cards will have big catches that undermine their otherwise glossy
brochures.

In the case of the UOB One card, rebates are given each quarter. There are 3
targets you can hit- $500, $1,000 and $2,000. If you spend a minimum of $500
each month, you get 3.33% cashback on the $1,500 you spent during the 3 month
period.

If you spend a minimum of $1,000 per month, you get 3.33% cash back on the
$3,000 you spent during the 3 month period.

If you spend a minimum of $2,000 per month, you get 5% cash back on the $6,000
you spent during the 3 month period. In all cases, you need to make a minimum
of 3 transactions per month. The maximum cashback you can get per month is $100.

This interacts with the UOB One Account to give you up to 3.33% interest on
savings. I can’t be bothered to work this out, suffice to say I think the OCBC
360 is still a better proposition.

Look, the fact of the matter remains that cashback cards suck and their
marketing is downright misleading (the online calculator for UOB One rebate asks
you to input your monthly spend by category, then shows you your annual savings,
only noting in small print that those savings are annual). For those reasons
alone I’d say stay far away, you can do better.

Yay or nay: Hell nay

SINGTEL-UOB PLATINUM CARD

* Annual Fee: $192.60 (First year fee waiver- free card if you charge your
Singtel bill to it)
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: Up to $360 cash rebate on Singtel bills, Singtel vouchers
worth up to $300 each year, 12 free Dataroam passes, no annual fee for
Singtel customers
* The catch: Like all things Singtel, the card promises much and delivers
little. Put it one way- to enjoy those amounts promised in the marketing
spiel, you’d have to spend a ridiculous amount on your phone bill
* Sign up here

I have a hatred for Singtel that burns with the fury of a thousand blazing suns.
It could be because they signed me up for that stupid colour-me-tones without my
consent, and said “enjoy your free trial! by the way we’ll start charging you
$4.28 a month after 30 days unless you opt out”. That is a colossal dick move,
even for Singtel. And, by the way, was also illegal.

It could be because they had the cheek to produce this Rome-a-phobe video,
mocking people who were scared of using roaming and conveniently overlooking the
fact that people were afraid of this because telcos like Singtel would gouge you
for every second you used your phone outside the country. And yes, they made fun
of people who had the common sense to buy a local sim in order to save money.

Kiss my ass, Singtel.

Anyway, on to their awesome card. It offers cash rebates on your phone bill of
“up to $360 a year” omgwtfbbq11one!. That is, if your monthly phone bill is
$500 and up. I don’t know about you, but if my phone bill each month is $500 and
up you can bet I’d be worried about a lot more than cash rebates. If your phone
bill is in the much more reasonable $50-$100 range, you get $1. Yup, $1. Don’t
spend it all at once!

Next, Singtel will give you Singtel vouchers depending on your total annual
spend with the card. That sounds amazing, and generous, I hear you say. How much
would they offer?

Well, an annual spend of $12,000 gives you $100. And $24,000 gives you $300.
That works out to be a 0.83% to 1.25% rebate, which again can only be used with
Singtel.

But wait! What’s this? Singtel offers you free Dataroam passes. Dataroam is
Singtel’s way of saying “hey! Why bother to get a local sim card which gives you
local calls + data when you can pay us $15 to $30 a day to get a Dataroaming
plan (and by the way we’ll still charge you full price on calls kthxbye)”

If you spend $800 in a calendar month, you get 1 free pass worth $15. Which
means that if you go to any country in the $30 bracket (eg the UK, the UAE, the
USA, Spain) , you’ll still be out of pocket by $15. You’d really be so much
better off getting a free sim card before you go. But you’d really hate being
called a romeaphobe wouldn’t you.

Yay or Nay: Nay. MyRepublic cannot become the 4th telco quickly enough

METRO-UOB PLATINUM CARD

* Annual Fee: $192.60 (First year fee waiver)
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: 20% off in your birthday month, 10% savings otherwise, 5%
Metro$ Rebates
* The catch: If you’re an occasional department store shopper you’d be much
better off with the Citibank Rewards Card
* Sign up here

Another department store-bank tie up, the Metro card goes up against other cards
like the OCBC Robinsons or the DBS Takashimaya. Which one you shop at more will
dictate which side you take in this fight, but as for me, I’m sticking to the
Citibank Rewards Card, which gives me 4 miles per $1 spent at any of these
stores.

Yay or nay: Nay

UOB PROFESSIONALS PLATINUM CARD

* Annual Fee: None. Perpetual fee waiver.
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: The card tells people you have an above-average level of
education
* The catch: The card is also completely worthless
* Sign up here

This is quite possibly one of the most amusing cards ever, because I can’t
figure out what the point is. This card is positioned at members of

* Alumni Association
* Institute of Singapore Chartered Accountants (ISCA)
* Law Society of Singapore
* Singapore Medical Association (SMA)
* The Association of Chartered Certified Accountants (ACCA)

If you fall into one of the above categories, I salute you. You’ve clearly done
great things in your life. And you deserve a better card than this.

Apart from offering a perpetual fee waiver, this card does absolutely nothing.
Nothing. Zilch. Nada. It’s quite telling when the best the marketing material
can come up with is “enjoy UOB dining privileges” and “earn UNI$” (at a rate of
$1=0.4 miles), things you could do with any UOB card.

Yay or Nay: Nay, unless they offer a Stonecutters version.

UOB UNIONPAY PLATINUM CARD

* Annual Fee: $192.60 (First year fee waiver)
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: 2 miles per $1 on overseas spend
* The catch: 2 miles per $1 only if you spend a minimum of $2,000 per month
* Sign up here

I was unconvinced about the value proposition of a UnionPay card until I went to
China and found that some places, amazingly, wouldn’t take Visa even.

If you travel a lot to China it can be useful to have a UnionPay card. Obviously
if China’s not on your map then skip this card entirely. There is a bonus on
overseas spend but it’s subject to a minimum of $2K spending per month, and you
could do much better with the PRVI Miles cards.

Yay or Nay: Potentially yay if you travel to China a lot, but use it only
because of its greater acceptance, not for overseas earning bonuses

UOB JCB PLATINUM CARD

* Annual Fee: $64.20 (First year fee waiver)
* Income Req: $30,000 (Singaporeans) & $40,000 (Foreigners) OR fixed deposit
collateral of $10,000
* Marketing Spiel: 5% rebates at Medi-Ya, Muji and UNIQLO, 3% department store
rebate, special Japan-related promotions
* The catch: If you’re not a big Japanophile this won’t be of much interest to
you
* Sign up here

I don’t know an awful lot about JCB, but I imagine they are to Japan what
UnionPay is to China- an alternative to the AMEX Visa Mastercard trifecta.

The rebates of 5% are decent at UNIQLO, Muji and Meidi-Ya, if you shop there
enough for this to be worthwhile. 3% rebates at all “major department stores” is
probably less attractive, circumvented by the much more attractive Citibank
Rewards Card with its 4 miles per $1 offering.

You can double your SMART$ at certain merchants like Coffee Bean, Bengawan Solo,
Sephora, EpiCentre, Caltex and Cathay. Remember that earning SMART$ disqualifies
you from receiving UNI$.

Yay or Nay: Personally, lya desu. But YMMV

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Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress
chiobu. He was 50% successful.

Previous articleIf you must roam, get some miles out of it
Next articleDBS Altitude Visa sign up bonus cut to 5,000 miles, has other
conditions too…

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Jian

6 years ago

Spectacular syntax.. Chio cards?!?

Aaron Wong
Author

Reply to Jian
6 years ago

Haha I aim to please. You know writing that singtel uob thing made me realise
how much I hate singtel. I think that deserves a full article…

Art

6 years ago

Thanks for the great analysis! It seems like UOB is not actively promoting the
Preferred Plat Acc (Dual cards – Amex and MC). There is no longer an active
hyperlink on their credit card page
(http://www.uob.com.sg/personal/cards/credit/overview.html) but you can still
access it if you do a google search
(http://www.uob.com.sg/personal/cards/credit/uob_preferred_platinum.html).

Maybe they might discontinue the Preferred Plat MC soon?

Aaron Wong
Author

Reply to Art
6 years ago

You know what I just realised that…and it worries me. They might be planning a
relaunch with a new design, or they might be doing what they did to the uob
virtualpay amex and not accepting any new applications. Hmmmm. Let me see what I
can find

Art

Reply to Aaron Wong
6 years ago

I suspect UOB might retain the Preferred Plat Amex and perhaps pair it with the
Preferred Plat VISA Card:

Existing UOB Preferred Platinum Cardmembers

Application of the Preferred Platinum American Express Card can be made at no
extra cost.

Source: http://www.uob.com.sg/personal/cards/credit/uob_preferred_platinum.html

Logically, ‘exisiting Preferred Platinum Cardmembers’ here SHOULD refer to
customers with the Preferred Plat VISA card. Anyone with the Preferred Plat MC
should already have the Amex version since it’s in a pair; hence, not logical
for it to refer to exisiting Preferred Plat MC holders.

Aaron Wong
Author

Reply to Art
6 years ago

that’s an interesting thought and you may be on to something. Let me dig around
and see whether I can get to the bottom of this. I can’t figure out the point of
the PP Mastercard though- it’s completely pointless.

Art

6 years ago

Oh and 1 more thing about the UOB VISA Signature card – the UNI$ earned cannot
be combined with UNI$ earned from other UOB cards if you intend to convert them
to cash rebates:

“Cardmembers can use UNI$ earned from spending on their UOB Visa Signature Cards
to redeem for Cash Rebate. Redemption for Cash Rebate can be made at the
conversion rate of UNI$4,000 = S$100 via UOB Island of Rewards. UNI$ earned from
spending on Cardmember’s other UOB credit cards cannot be used to redeem for
Cash Rebate.”

http://www.uob.com.sg/assets/pdfs/personal/cards/tnc_signature_5per_reb.pdf

Aaron Wong
Author

Reply to Art
6 years ago

great spot. but if you’re converting UNI$ to cash rebates that’s just a very,
very bad deal. Every time you use a cashback card, a baby kitten dies somewhere

Art

Reply to Aaron Wong
6 years ago

True, if you are looking at the value of UNI$/KFM. Problem with me is I’m not
the sort who likes to be waitlisted. I like instant confirmation of my air
tickets. Haha. What I did recently was charge my BA tickets amd hotels to my
Privi Amex and then converted my UNI$ into $600 cash rebate. Again, not the
optimal value compared to redeeming miles on Biz class.

Fadz

Reply to Art
5 years ago

OMG. So many kittens died.

PRVI miles amex conversion for S$100 is 7300UNI$. Meaning u spent 43,800UNI$
into S$600, yes? Thats 87,600 KF miles, a little shy of one return trip FIRST
class ticket to Tokyo (S$8,167).

After deducting taxes of S$65 (dun ask why it’s that cheap for SIN-NRT), the
value is still above S$8K, as opposed to getting S$600 rebate..

Oh well, to each his own.

Reply to Aaron Wong
6 years ago

Just to be sure. So the uni$ from visa signature can be combined with other uob
cards to convert to miles, right ?

Aaron Wong
Author

Reply to Cs
6 years ago

yup! i’m pooling visa signature, preferred platinum amex + prvi now

Reply to Aaron Wong
6 years ago

Aiyo … Say until like that ?

Reply to Cs
6 years ago

This was meant on the “kitten” ?

Aaron Wong
Author

Reply to Cs
6 years ago

heh. but UNI$4000 is a S$100 rebate. That UNI$4000 could be 8,000 miles, which
if redeemed for biz class would be $320 of value. Heck, even if you redeemed it
for economy you’d be getting $160 thereabouts. It’s just painful to throw that
away. But granted, as Art said if you value certainty then there’s a case for
going that route. Not for me though. think of the kittens!

Reply to Cs
6 years ago

Just checked. I have 4000 ++ uni$ from visa signature. Can only redeem with 5000
uni$. I have stopped using uob one for some reasons and that card doesn’t give
uni$. I need to apply another card to top up the uni$ to meet the threshold.
Guess preferred platinum visa will be the one. Great discussions from u all 🙂

Ryan

6 years ago

Hello you wrote that the preferred plat visa has minimum $1000 monthly spend but
I can’t find it in the t&c, is it written somewhere I’ve missed?

Aaron Wong
Author

Reply to Ryan
6 years ago

thanks for spotting that- that was leftover from the uob visa signature card.
have removed

6 years ago

Check with u. What’s the best non-amex card for dining? Can be any bank. Seems
like only Amex cards can yield 4 miles per dollar? Thanks.

Aaron Wong
Author

Reply to Cs
6 years ago

https://www.citibank.com.sg/gcb/credit_cards/clear-platimum-card.htm 2 miles per
$1 for dining

Reply to Aaron Wong
6 years ago

Thanks buddy. Will consider this.

6 years ago

hi i wanted to ask about credit scores/ credit reports! on a whim and falling
for all the marketing spiel, signed up for way too many cards than i actually
need. does that do anything to hurt a credit score/ will cancelling most of them
be anything harmful? thx!

Aaron Wong
Author

Reply to Hi
6 years ago

that’s a great question. I’m not a specialist on this, but these guys seem to
be-
http://blog.moneysmart.sg/credit-cards/4-myths-credit-cards-hurting-financially/
read 4th point: When you first get approved for a card, your credit score might
drop a little, as the overall age of all the credit facilities open to you is
one factor. A new card lowers the average age and will thus have a slightly
negative effect on your credit score. The bank will also check your credit
report when you apply, and each inquiry gives your credit score a little hit.
However, in the long term a new credit card can… Read more »

Aaron Wong
Author

Reply to Hi
6 years ago

just ran a credit score on myself- AA despite having 18 credit cards open. I
think it is really about whether you pay off in time and in full. And cancelling
credit cards might lower the average age of your credit facilities, so unless
they’re charging you annual fees I’d rather keep it open

The Milelion Credit Card Omnibus Week 4: Citibank - The MileLion

6 years ago

[…] Week 3- UOB […]

Christopher

6 years ago

Aaron! UOB is terminating the Preferred Platinum Amex (our favourite dining card
and my first ever cc) as of the end of the month and switching us to UOB Prvi
Miles World Master instead. I just received a call from the CSO..

Aaron Wong
Author

Reply to Christopher
6 years ago

Oh wow. I’m overseas now but got 2 missed calls from UOB and was wondering what
that was about. Any more details? They’re not issuing any new cards, or they’re
going to take away existing cards even? Sounds like the latter.

Aaron Wong
Author

Reply to Christopher
6 years ago

OK i just called them. they say that from 1 oct they “demarketed” the cards,
meaning they won’t issue any new ones. but for those who already have it, status
quo is unchanged “for now”, you will still continue to earn the same benefits
(ie 10x on dining) until further notice.

sounds ominous

Christopher

Reply to Aaron Wong
6 years ago

Yes, I just spoke to them again. Apparently they are only replacing the Pref
Plat Account Master (the one we don’t use) with a Prvi Miles World Master free
of charge. The good old Amex would be retained!

Hafiz

Reply to Christopher
6 years ago

hmm…

Need to find a good card to replace this… This is a good card…

Jack Foo

6 years ago

Hi,

Currently, I’m using the UOB ONE card together with the UOB ONE account.

I track my monthly spending and stop using the card once it hits $500 and
leaving only $50,000 in the ONE account and paying 3 bills through GIRO setup.
My salary is still credited to OCBC 360 though.

I’m getting around $101.25 of interest every month ($50,000 * 2.43% ) / 12
months. Plus getting $16.67 ($50/3) of rebate.

So essentially, I’m getting $117.92 out of $500 spending which work out to
become 23.5% which isn’t a bad deal.

Aaron Wong
Author

Reply to Jack Foo
6 years ago

Hey Jack- I’m not too familiar with the UOB ONE account, I do know that if you
play it right you can get some value out of it. I’m not sure it’s mathematically
correct to say that the return is based on $500 spending though, because the
majority of that interest is coming from your UOB ONE account which you’ve put
$50k into. Still, i think your example shows there can be some good value if
you’re able to pair it with the one account.

Ken

6 years ago

Hi Aaron,

It seems that your Omnibus series has only DBS and OCBC linked. You can try
clicking from the ‘credit card’ dropdown from the top. Can you link all the
banks for easier reference? Thanks!
P.S, I can’t wait to see your updated credit card pocket guide!

Aaron Wong
Author

Reply to Ken
6 years ago

thanks for bringing that to my attention. i’m so absent minded these days. will
fix it

updated cc guide is coming…as soon as my graphic designer goes off strike!
apologies, i think i’ll do a stop gap ugly table in the interim maybe.

The Milelion Credit Card Omnibus Week 5: ANZ - The MileLion

6 years ago

[…] Week 3- UOB […]

Jian

6 years ago

The Great Credit Card Benefits Devaluation (GCCBD) continues … the PRVI Miles
limo benefit as you mentioned, now the travel insurance for all UOB cards …
Where are you Christmas?
http://www.uob.com.sg/personal/cards/credit/uob_prvi_miles_card/microsite/assets/pdfs/coi-prvimiles-cards.pdf

Aaron Wong
Author

Reply to Jian
6 years ago

would you believe i never used that benefit? it’s annoying when they start
sneakily taking away things without notice though.

Lionel Teo

6 years ago

Worth noting that UOB Visa Signature Card is going to be discontinued and
replace by priv miles card. I went to branch office to sign up for it and it is
not available for signing up at branch office. It is still possible to get the
card via online application while it last, I had just received it yesterday.

Aaron Wong
Author

Reply to Lionel Teo
6 years ago

yeah i’ve heard rumours of this. it’s interesting if it happens because the 4
miles /$1 on overseas spend was one of a kind and one of the reasons to
concentrate spend on the uob portfoliop. maybe they’ve realised there’s no real
competition in the space that the uob prvi miles can’t handle with 2.4 miles on
overseas spend (dbs altitude for example is 2.0)

Wysie

6 years ago

Thanks for this (and the entire website actually). I’ve had a system of my own
for the past 2/3 years and accumulated ~400K miles (which I’ve used about 120K
of them). It’s getting harder to earn miles since I don’t get to charge much to
them with my current job compared to the previous one, and this website is very
handy :)! Nonetheless, I wanted to share what I’m using and seek your input: 1.
Dining UOB PP AMEX. Currently on POSB Everyday because of the $80/$160 rebate +
5% rebate. 2. General Spend UOB PP VISA for all PayWave… Read more »

Aaron Wong
Author

Reply to Wysie
6 years ago

hey man! thanks so much for reading and i’m glad you find this useful. let’s run
through what you’ve said (400k miles is very impressive btw) 1. Dining- pretty
much on point here. UOB PP Amex so long as UOB gives 10X on dining. I don’t look
at cashback cards in detail but if there is some target rebate you’re trying to
hit during this period then by all means 2. general spend- yes, exactly, here
are a list of smart$ merchants-
http://www.uob.com.sg/personal/cards/privileges/smartclub.html as you can see a
lot of the big hitters, eg cold storage, giant, caltex, breadtalk etc… Read more
»

Wysie

6 years ago

Thanks :)! Regarding your comments… 1. What do you often do if the place doesn’t
accept AMEX for dining? Citi Clear Platinum? It’ll then create the orphaned
miles issue… For now I usually use PRVIMILES MC but am wondering if there’s a
better way. 2. I probably need to put more effort into this! Assuming most
places for accept Pay wave, I wonder if using UOB PP VISA will earn me more than
PRVIMILES even taking into account the SMART$ “issue”… 3. Signed up and
approved! Waiting for the card now! 4. I actually used the Visa version recently
and… Read more »

Aaron Wong
Author

Reply to Wysie
6 years ago

1. Citi clear platinum is the “correct” card to use in terms of next best for
miles earning (see my article on dining cards in SG- there’s something about
HSBC too you might be interested in). however if consolidation is your main
concern then it would make sense to use PRVI 2. not quite sure i understand your
point here, but yes. if you’re disciplined enough to use the PP Visa wherever
smart$ are not issued then you will earn more over the long term. remember that
uob pools all your points together so it’s not an issue having multiple… Read
more »

Wysie

Reply to Aaron Wong
6 years ago

1. Yeah I’ll probably just go with PRVIMILES…

2. Sorry I was just thinking out loud, haha. I was just wondering if UOB PP VISA
with its 4 miles/$ for Paywave will earn me more miles even with all the SMART$
stuff, over say PRVIMILES…

4. I’ve the same spreadsheet, think I got it from HWZ a couple of years ago!
Thanks :)!

Hope your year is off to a great start!

Wysie

6 years ago

Hi Aaron,

I made a quick site showing the list of SMART$ merchants:
http://uobsmartdollar.yc.sg/

Hopefully it helps for the UOB PP VISA :)!

-Wysie

Aaron Wong
Author

Reply to Wysie
6 years ago

this is awesome! I like that it’s mobile friendly so I can quickly check on my
phone when I’m at a paywave merchant.

Ken

6 years ago

Hi Aaron,

UOB Prvi miles card currently has 8000 welcome miles for new members. Is it a
good promotion to sign up now? Or should i wait?

Assuming i should get it, should i get the mastercard or visa?

Thanks!

Aaron Wong
Author

Reply to Ken
6 years ago

mastercard is better (for taxi acceptance (although visa will soon be accepted
by taxis again) and for the SPG stay one night get gold offer)).

do note that the 8k welcome miles has strings attached, it is limited to the
first X sign ups. i hate this kind of promotion where you dont know beforehand
whether you can get it. you might want to call UOB CS and check if they’ve hit
their cap yet

Vin

6 years ago

There’s a new card – UOB YOLO! Interesting perks. And a cool-looking card! But
then again… cash rebate.

🙁

Aaron Wong
Author

Reply to Vin
6 years ago

yes! I’m just writing about it now…

Bench

6 years ago

Hi Aaron,

Quick check, are you aware of any spending cap on the UOB PP Amex? I don’t seem
to find anything on their listed T&C
(http://www.uob.com.sg/assets/pdfs/preferred_platinum_tnc.pdf)

Am planning my wedding soon and was wondering what will happen if i book a
restaurant (instead of a hotel) to host my banquet e.g. Peach Garden/Peony
Jade/Huating?

The potential miles earned from this card is really making me excited if there
is no spending cap and if UOB recognises them as restaurant.

Aaron Wong
Author

Reply to Bench
6 years ago

there is no spending cap. what you’re proposing is interesting- just make sure
that it’s really not part of a hotel, eg peach garden has an outlet in hotel
miramar. during our office cny lunch last year i flirted with the office manager
and she let me swipe 4k at imperial treasure to my pp amex 🙂

Magdalene Hamlett

6 years ago

Interesting analysis ! Apropos if people need to fill out a a form , We came
across a sample form here http://pdf.ac/6UoBbb.

Kylie

6 years ago

Do you know if there are any restrictions on total no of Uni dollars earned? I
have the Visa Signature, PP Visa as well as PP Amex. I know there are individual
caps on Visa Signature (below 2k a mth) and PP Visa (below 1k a mth) but is
there a yearly restriction on UNI dollars earned ?

Also for the Visa Signature card, would foreign online spend qualify as overseas
spend?

Aaron Wong
Author

Reply to Kylie
6 years ago

there is no yearly restriction on UNI $ earned for an individual cardmember.

for visa signature, foreign online spend qualifies as overseas provided the
payment processing is not done in singapore. for example, paypal payments from
an sg-based paypal account would not qualify even if they are done in forex. but
a purchase from amazon.com would.

Kylie

Reply to Aaron Wong
6 years ago

Thank you! Love reading your blog! So do you think booking a ticket on
expedia.co.uk qualify as a foreign spend?

Aaron Wong
Author

Reply to Kylie
6 years ago

i dont want to tell you absolutely yes in the off chance that for some reason
you don’t, but i cannot see any reason why it would not be foreign spend. just
be sure you’re not redirected to expedia.sg which might happen if you book from
an SG ip address

Kylie

Reply to Aaron Wong
6 years ago

thanks. will use a vpn too to make sure. will report to see if it works

Cyndi

6 years ago

Hi Aaron

Would you be able to recommend the best card to pay for a $15k hospital bill?
This would be paid upon hospital discharge at the counter but I am not sure if
points will be given for such a transaction. I reckon UOB priv could be the card
to sign up for since I don’t have it yet.

Aaron Wong
Author

Reply to Cyndi
6 years ago

Hi Cyndi. I’m sorry to hear about that and hope everything is alright. You will
earn points on a hospital bill, they’re not under the excluded category. If
there is any chance they let you split the amount onto multiple cards then you
might want to get the AMEX rewards card for 13,333 miles upon $1,500 spend, plus
$1,000 to your dbs altitude (and another $1,000 in the next month) to get 8,000
miles. it’s stretching it a bit too much to ask them to put things on 3 or more
cards but you should be aware the amex reserve… Read more »

Cyndi

Reply to Aaron Wong
6 years ago

Thanks for the reply Aaron! I might as well make lemonade with the lemon I have
been dealt with!

Glim

6 years ago

Hi Aaron,

Somewhat off topic, and this might be just me finding a place to vent… but this
IS the UOB Omnibus….

Is it just me or is UOB’s customer service the worst? Anybody here actually had
a pleasant experience talking to a UOB rep over the phone?

Cheers.. Rant over

Daniel

Reply to Glim
6 years ago

Try OCBC or CIMB – they are the worst. :))

Aaron Wong
Author

Reply to Glim
6 years ago

i’m sure everyone has bad experiences with all the major banks. i can think of
my frustration getting an annual fee waived or checking the application status
of a card.

i’ve found that AMEX has by far the best customer service in singapore. their
cards are crap, yeah, but every time i’ve had to deal with an amex agent they’ve
been excellent. wish the banks could follow their lead

VJ Liew

6 years ago

Hi Aaron, Just realised you have blogged so long about miles earning, but only
yesterday i found out from one of my friend. You have done a great work and
please keep your passion so that we can continue to benefit from your blog! I’m
going to Perth for vacation this coming August. I booked my flight ticket
previously before i get to know this site, by using DBS Altitude (phew~). So i
still have my hotel booking to settle in two to three months time. I’m thinking
to get either Citi Premiermiles or UOB Privi cards for this booking… Read more »

Aaron Wong
Author

Reply to VJ Liew
6 years ago

thank you sir! i’m glad you at least used the right card to get your tickets.
it’s also a good idea to look at kaligo for the 10 miles per $1 for citi
premiermiles and uob prvi (but do compare kaligo rates with elsewhere and see if
the slight premium you pay for kaligo is worth it). i would say that uob cards
have a better overall portfolio, in that uni$ pool together, so by having uob
prvi, pp amex, pp visa and visa signature you can really build a lot of miles
very fast with careful planning of your… Read more »

betawesh

6 years ago

hey aaron! looks like the UOB preferred AMEX has been taken down? Cant find it
on the UOB site now!

http://www.uob.com.sg/personal/cards/index.html

Aaron Wong
Author

Reply to betawesh
6 years ago

gone but far from dead. apply via sms. see here.

https://milelion.com/2016/01/06/last-call-for-the-uob-preferred-platinum-amex/

Cindy

6 years ago

HI Aaron I am quite confused with the UOB Privi Card T&C. It says 3 miles on all
spend but under the T&C, it states “. Bonus UNI$ is capped at UNI$1,800
(equivalent to 3,600 miles) per Qualified Cardmember. ” Does this essentially
mean that only $1.2K spend will earn the 3x miles since $1.2 spend x 3 miles =
3,600 miles and you still need to be within the top 2000 spenders in each period
to qualify. Hardly sounds like an attractive sign up bonus dont you think? For
spending on the Priv Card in foreign currency e.g. Amazon,… Read more »

Aaron Wong
Author

Reply to Cindy
6 years ago

this is a crappy promotion. see the analysis here

you will earn 2.4 miles per S$1 for amazon purchases.

6 years ago

Hey Aaron
Do u happen to know for the uob preferred platinum is overseas dining applicable
to 4 miles per dollar? How about uob preferred visa… Will paywave overseas also
be eligible for 4 miles per dollar?

w4rd

Reply to A
6 years ago

I’m just back from the UK and received the dining bonus on the AMEX and Paywave
10x on the VISA.

Aaron Wong
Author

Reply to w4rd
6 years ago

i can confirm overseas dining will get 10x for the amex. it said so in the
marketing materials back when they were still promoting the card.

Mark

6 years ago

Aaron – I do not have any uob cc yet but am thinking of getting some of them.

If I were to use the cards overseas for 4 miles / dollar:
– Use priv (min 1k foreign, max 2k)
– Use PP Amex (not visa) for dining (this might be good for local weddings as
long as it checks out to be non-hotel rather than overseas when we have no idea,
and we get 2 miles / dollar anyway on other cards)

I assume none of these uob cards give you bonus miles for annual fees (I don’t
see any).

Mark

Reply to Mark
6 years ago

Or if PP Amex is not avail for non uob cardholders like me, then the next best
is the Visa Signature as an alternative for general spend including dining

w4rd

Reply to Mark
6 years ago

How about applying for OUB PPV or Visa Signature then doing the SMS trick for PP
Amex?

Aaron Wong
Author

Reply to Mark
6 years ago

yeah what you say makes sense. uob cards dont give bonus miles for annual fees
but if you spend 50k on the UOB PRVI Amex you get 20k miles

Aaron Wong
Author

Reply to Mark
6 years ago

i can’t find it now but i recall some time back there was a joining promo for
uob where you could pay the first year fee and get X number of miles. i believe
that was ~2 cents per mile but can’t find the link now annoyingly.

6 years ago

Hi Aaron
When u spend overseas with uob visa signature via paywave… Is that considered a
foreign currency txn or a paywave txn? If it is considered paywave then it won’t
be eligible for 10x uni$?

Aaron Wong
Author

Reply to A
6 years ago

interesting question. i do not know. my guess is that foreign currency trumps
paywave, but only one way to find out. i base this on the DBS WWMC s.o.p where
your amazon purchases (online, 10X) trump the fact that they are in foreign
currency (3X).

6 years ago

Hi Aaron… If I make a payment at SIA website in foreign currency any ideas if it
will be given 10 times uni$ if I use UOB Visa Signature? 🙂

Aaron Wong
Author

Reply to A
6 years ago

nope. because the payment processing is in singapore.

Kylie

6 years ago

Hi Aaron. I hope your trip is going well. Would you know whether apple pay
payments using uob credit cards qualify for the same amt of bonus miles? eg
paying with apple pay with uob preferred platinum visa = pay wave payments and
will qualify for 4miles to a dollar?

Adam

6 years ago

HI Aaron,

Regarding the UOB Preferred Platinum Visa Card do you think that UOB have
changed the T&C?

I just read that “The 10X UNI$ for online and Visa payWave transactions is
capped at UNI$24,000 for both
categories per calendar year. After which, 1X UNI$ will be awarded for every $5
spent. ”

Does this mean that we can only spend $2400 a year?

Aaron Wong
Author

Reply to Adam
6 years ago

this is the same as it always was. 24,000 uni $= 48,000 miles= $12,000 spend per
annum.

aaa

Reply to Aaron Wong
5 years ago

Anyone with experience using UOB PPV with paypal? Is it all paypal disqualified
for 10x uni$ or only excluded merchants?

Aaron Wong
Author

Reply to aaa
5 years ago

think they dont allow. UOB is very stingy in their interpretation

@james

Reply to Aaron Wong
5 years ago

I was wondering if we could use this PP VISA for payment at SPC? Since SPC is
not a SMART$ merchant, and UOB awards 10x UNI dollars for using Paywave for PP
Visa. If this combo is factual, then its another milestone for SPC users.

*Shell is a SMART$ merchant, not applicable.

lionel

5 years ago

hey Aaron, you wrote that the UOB PP Visa has a cap of 12,000 a year on the 10x
UNI$. But i read on the site and T&Cs that:

The total UNI$ awarded to each Cardmember from qualifying spend on Visa payWave
and online transaction is capped at
UNI$24,000 for each calendar year.

If my calculation is correct, that’s a mere 2.4k spend , and 9.6k miles a year?

Did I miss something?

lionel

Reply to lionel
5 years ago

Ah.. i realise where i got that wrong. haha

UK_Ship

4 years ago

From my contact at UOB they are phasing out both Visa Signature and PP Visa –
CSOs are calling customers to “upgrade” them to PRVI miles. If you already have
either it seems they will let you keep hold of it until they finally delete the
product but they haven’t decided on a date yet – UOB just got a bit less
interesting!

Lee

4 years ago

Thanks for the great post, Aaron. Switching to UOB PRVI Miles now.

On the annual fee, if I put most of my family’s spendings on the PRVI AMEX card,
I can reach 50K. That means no annual fee and 20,000 miles. Isn’t that nicer
than the Mastercard? Basically, Mastercard is better only when you can’t reach
the 50K bar. The perks are pretty much the same now, only the acceptance rate is
higher.

Jei

Reply to Lee
4 years ago

I think the question is not solely about reaching 50k spend, but hitting 50k
GENERAL spend.

Sure I can hit 50k spend a year, but probably 25k of this will get me 4mpd on
other cards, and the other 20k to be used for sign on promotions, leaving me 5k
on general spend. So unless you only want to own 1 card.. it’s not only just
about reaching 50k per annum spend.

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