UOB Preferred Platinum Visa

uob · KrisFlyermiles

How it earns

4.00 mpd Mobile contactless payments and SimplyGo

mobile-contactless

Capped at S$600.00 of spend per calendar month · then falls to 0.40 mpd

4.00 mpd Selected online transactions

selected-online

Capped at S$600.00 of spend per calendar month · then falls to 0.40 mpd

0.40 mpd Everything else

base

Uncapped

Mechanics that decide real outcomes

Period basis: calendar month
Bins by: posting date
Accrual: S$5.00 blocks, floor, per transaction
Settlement: points balance
Credit lag: one cycle
Native unit: UNI$ → 2.00 miles each
Conversion: S$27.00 per 5,000 units
Expiry: 24 months

Blocks are per transaction — a S$4.99 purchase earns nothing at all.

Exclusions

excluded mcc

27 MCCs: 6010, 6011, 6012, 6051, 6300, 6381, 6399, 6513…

excluded merchant

^EZ-?LINK GRABPAY TOP ^CARDUP ^IPAYMY ^ATOME ^NETS

not a purchase

non-purchase transactions

Terms and sources

Official terms and conditions ↗

tiers[].cap.qualifying_spend_centsissueruob.com.sg ↗read 2026-07-28
“Clause 4(c), w.e.f. 1 October 2025: The UNI$10 awarded to you from qualifying spend on Selected Online Transactions is comprised of a basic UNI$1 earned plus a bonus UNI$9. The bonus UNI$ ... is capped at UNI$1,080 for each calendar month. [Same for Mobile Contactless.] (iv) Selected Online Transactions and Mobile Contactless Transactions are treated as separate categories. Each category has its own separate bonus UNI$ cap.”
tiers[mobile-contactless].matchissueruob.com.sg ↗read 2026-07-28
“Clause 2(b): With effect from 22 May 2020, UOB will cease the awarding of UNI$10 for every S$5 charged to your Card Account for all Contactless Transactions. Clause 2(c): You will earn UNI$10 for every S$5 charged for Mobile Contactless Transactions.”
tiers[].cap.qualifying_spend_centscommentarymilelion.com ↗read 2026-07-27
“From 1 October 2025 the UOB Preferred Platinum Visa will introduce a sub-cap of 1,080 UNI$ per calendar month for each of the two categories, equivalent to S$600 of spending.”
tiers[].rate_milli_per_dollarcommentarysethisfy.com ↗read 2026-07-27
“Independent confirmation of the same 1 Oct 2025 change; notes SimplyGo added at 4 miles per dollar.”

Notes

HOW IT EARNS
- 10X UNI$ per S$5 (4 mpd) on Mobile Contactless AND on Selected Online, each
  capped at UNI$1,080 (~S$600 of spend) per CALENDAR month, SEPARATELY.
- Base 0.4 mpd on everything else. UNI$ are awarded per S$5 PER TRANSACTION,
  so small purchases round down to nothing.

WATCH OUT
- The physical card earns only the base rate — the bonus needs a mobile tap.
- The two sub-caps cannot cover for one another: clause 4(c)(iv) treats them
  as separate categories.
- "Selected Online" is an MCC LIST, not all online spend. Modelled from
  clause (ix) verbatim, in three groups (retail; supermarkets/dining/food
  delivery; entertainment/ticketing). 5965 is excluded from 1 October 2024.

NOT MODELLED
- Clause (ix) also excludes anything "under any recurring payment
  arrangement", which a statement does not mark — so this tier still reads
  slightly high for subscriptions.
- UNI$ expiry.
- The exclusion list is inherited, not read.

EVIDENCE
- Cap and MCC list read from the issuer T&C 2026-08-06, clause 4(c) w.e.f.
  1 October 2025: UNI$1,080 each for Selected Online and Mobile Contactless.
  This settles an earlier conflict — a stale UOB PDF still describes a single
  combined UNI$2,000 cap, which is the pre-October-2025 structure.
- No statement in this wallet prints a reward figure for this card, so the
  canary cannot check it.