UOB Preferred Platinum Visa Card

UOB Preferred Platinum Visa Card

A hardworking credit card with one of the highest earn rates: 4 miles per dollar for online spending (excludes travel) and offline contactless payment. No minimum spend, but capped at $1,000 a month.
S$5 = 10X UNI$
on Online Shopping, Entertainment & Contactless Payments
S$5 = 1X UNI$
on All Other Spend
1 UNI$ = 2 Miles
Rewards to Miles Conversion

Quick Facts

Get the maximum value by

Using it to pay for daily essentials such as dining, grocery and shopping via mobile contactless. Also, charge your online shopping and entertainment expenses to maximise the rewards.

Good for

People who spend modestly for their day-to-day expenses in Singapore or online shoppers who frequent online marketplaces.

Categories to maximise this card

Online purchases (shopping, groceries, food deliveries, entertainment, app purchases) and offline contactless transactions (e.g. restaurants, shopping).

What people use it for

Everyday expenses.

Get if

You don't spend more than about $1,000 in a month.

All Details

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UOB Preferred Platinum Visa Card Benefits 2025

If you’ve ever camped at midnight to binge-buy Shopee flash deals, or mentally converted every SGD dollar spent into KrisFlyer miles, or simply love tapping your phone on the payment terminal harder than your actual wallet, the UOB Preferred Platinum Visa (PPV) should already be your spirit card.

A familiar name to both miles chasers and rewards enthusiasts alike, the UOB PPV Card is a miles-earning machine offering an attractive 10X UNI$ per $5 or 4 miles per dollar (mpd) on eligible mobile contactless and online retail spend. Not to mention, no minimum spend, no drama—just UNI$ points stacking quietly in the background while buying bubble tea or cinema tickets.

But on the off chance you’re not acquainted, here’s a breakdown of the UOB PPV from key card benefits, to annual fees and minimum annual income, and more.

Customer Reviews on MoneySmart Credit Card Applications

⭐⭐⭐⭐⭐

Review by TJ. Hoo


"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications."

As seen on Google

⭐⭐⭐⭐⭐

Review by D. Ng


"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."

As seen on Google

⭐⭐⭐⭐⭐

Review by A. Koh


"Great experience by signing up for a credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up for another credit card as I am currently reviewing my own financial expenses. Good job, guys!"

As seen on Google

Pros & Cons of UOB Preferred Platinum Visa Card

Pros ✅

  • Up to UNI$10 per $5 (4 mpd) on eligible online retail shopping and entertainment transactions, including select online orders on groceries and dining, online food delivery, and even drugstore spend
  • Up to UNI$10 per $5 (4 mpd) on eligible mobile contactless spend; compatible with Apple Pay, Google Pay, or Samsung Pay
  • UNI$1 per $5 (0.4 mpd) on all other spend
  • First-year annual fee waiver available
  • No minimum spend required
  • Flexibility to redeem UNI$ points for miles, cash rebates, or vouchers
  • Earn up to 10% UOB$ cashback on in-store purchases at over 1,000 participating merchants under the UOB$ Rebate Programme
  • Can use earned UOB$ to automatically offset next bill at same merchant
  • Enjoy 1.8% preferential admin fee for one-time payments + UNI$2.5 per $5 (1 mpd) when using your UOB PPV Card through the UOB Payment Facility for utilities, rent, taxes, and other big-ticket purchases
  • Cons ❌

  • No longer awards UNI$ on Amaze e-wallet top-ups or Amaze-linked transactions (coded as “AMAZE*”)
  • Bonus 10X UNI$ earn rate is capped at UNI$2,000 (or the first qualifying $1,000 spend) per month
  • UNI$ rewards specifically apply to mobile contactless tapping only, not physical card tapping
  • Find out more about the UOB PPV Credit Card here!

    Comparison: UOB PPV Card vs Citi Rewards Card vs DBS Woman’s World Card

    By now, the UOB PPV Card makes a compelling argument for rewarding online retail, entertainment, and qualifying mobile contactless spending. But it’s not the only enticing rewards credit card—popular contenders like the Citi Rewards Card and DBS Woman’s World Card also offer competitive miles-earning potential and category versatility.

    To help you decode the fine print, we’ve compared the bonus miles earn rate, annual fees, interest rates, minimum income requirements, and more to determine which card is best suited for your lifestyle and spending habits.

    Feature UOB PPV Citi Rewards DBS Woman’s World
    Interest rate 27.8% p.a. 27.9% p.a. 27.8% p.a.
    Annual fee $196.20 (First year waived) $196.20 (First year waived) $196.20 (First year waived)
    Min. annual income (Singaporeans/PRs) $30,000 $30,000 $80,000
    Min. annual income (Foreigners) $40,000 $42,000 $80,000
    Rewards / air miles benefits
    • Bonus UNI$10 per $5 (4 mpd) on eligible retail, entertainment, and mobile contactless spend
    • No minimum spend required
    • Earn up to 10% instant cashback on in-person purchases at participating UOB$ merchants
    • Compatible with SimplyGo for public transport
    • Use UOB Payment Facility for 1 mpd on bills, rent, taxes, etc.
    • UNI$ redeemable for miles, cash rebates, and vouchers
    • High bonus UNI$ cap: UNI$2,000 or $1,000 spend per month
    • 10X rewards points (4 mpd) on online grocery, food delivery, ride-hailing, and more
    • 10X rewards points on online & in-store retail shopping
    • 1X rewards points on all other spend
    • No minimum spend required
    • Up to S$1 million travel insurance (with full fare charged)
    • Flexible redemption via Citi ThankYou Rewards
    • 10X DBS points per $5 (4 mpd) on eligible online purchases
    • 3X DBS points per $5 (1.2 mpd) on overseas purchases in foreign currency
    • 1X DBS points (0.4 mpd) on all other spend
    • No minimum spend required
    • Bonus capped at $1,500 eligible spend/month
    • Bonus awarded at end of next calendar month
    • Complimentary e-Commerce protection on online purchases


    While all 3 shopping credit cards award 4 mpd on eligible online retail purchases with no minimum spend, the UOB PPV Card emerges at the top for its versatility and broader reward reach. Beyond online retail, it offers the best of both worlds—specifically 4 mpd on qualifying mobile contactless spend and 10% cashback on offline retail purchases at participating UOB$ merchants.

    Furthermore, its compatibility with the UOB Payment Facility lets you earn 1 mpd at a preferential 1.8% admin fee on utilities, rent, taxes, and more (similar to Citi PayAll), and bears the lowest minimum annual income requirement for Singaporeans/PRs ($30,000) and foreigners ($40,000). Naturally, this makes the UOB PPV Card far more accessible than the DBS Woman’s World Card ($80,000 for both groups) and slightly more foreigner-friendly than the Citi Rewards Card ($42,000).

    In general, the UOB PPV Card is a well-rounded rewards/miles credit card—albeit not recommended for individuals who spend infrequently online or through mobile contactless payment.

    How to Apply for the UOB Preferred Platinum Visa Card?

    Here are 3 simple steps to apply for the UOB PPV Card:

    Step 1

    Apply for the UOB PPV Card via MoneySmart


    Begin applying for the UOB PPV Card by clicking on the “Apply Now” button on this page.

    When you choose to apply online or through the UOB TMRW app and via SingPass MyInfo, UOB will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

    Step 2

    Provide all required documents


    You'll need to provide all the necessary documentation in order for UOB to approve your credit card application. Documents to expect usually include:

  • NRIC (front & back)
  • Latest computerised payslip
  • Latest 12 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)

  • and other income documents. For more specificities, please refer to UOB’s document.
    Step 3

    Receive and activate your UOB PPV Card


    There are 3 ways to activate the UOB PPV Card: either via UOB TMRW app, SMS, or online banking.

    To activate it via the UOB TMRW app, follow these steps:
  • Log into app > Select “Received your new cards?”
  • Select UOB PPV Card to activate > Tap “Yes” to proceed > Enter SMS OTP > Press “OK” to confirm

  • For more instructions, refer to UOB’s guide.

    Frequently Asked Questions about UOB PPV Card

    Are there any fees if I apply for the UOB Preferred Platinum Visa Card?

    The UOB PPV Card charges an annual fee of $196.20 (first year waived), as well as cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.

    Am I eligible for the UOB Preferred Platinum Visa Card?

    If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the UOB PPV Card, as long as you’re aged between 21 to 65, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $40,000 (for foreigners).

    Can UOB Preferred Platinum Visa Card be used to earn miles?

    Yes, the UOB PPV Card earns UNI$ points which rewards bonus UNI$10 per $5 (equivalent to 4 miles per dollar) on eligible online retail, entertainment, as well as other valid mobile contactless spend.

    When do UNI$ points expire?

    UNI$ are valid for 2 years before they expire.

    Why was I not awarded with the bonus UNI$9 on my transaction?

    For the UOB PPV Card, only eligible mobile contactless payments, select online shopping, dining, and entertainment spend will earn bonus UNI$9 per $5.

    Ineligible transactions (aka spend exclusions or invalid merchants) will not earn any bonus UNI$.

    Is there a cap on bonus UNI$ earned?

    Bonus UNI$ is capped at UNI$2,000 or first $1,000 spend per month on select qualifying online and mobile contactless transactions.