Demo — invented data, read-only. Nothing here is anyone’s real spending.
RewardsMaxx
PREFERRED VISA
•••• 9483
+ Add screenshot
Last upload 12 Aug · statementLast transaction 9 Aug
UNI$
550
Earned this cycle
⇄ 1,100 mi

This cycle

17
17 days left
1 Aug – 31 Augcalendar · monthly · by posting date
Spend
S$299.38
Qualifying
S$299.38
S$3.75 earns nothing
Earned
1,100 mi
Transactions
11
Left to ceiling
S$300.62
Mobile contactless payments and SimplyGoS$299.38 of S$600.00
Selected online transactionsS$0.00 of S$600.00
S$24.38 fell short of a whole earning block and earned nothing.

Every cycle so far

Earned (UNI$)
13,376
Worth (miles)
26,752
Blended rate
2.43 mpd
Spend
S$10,988.09
Cycles
16
Lost to rounding
S$1,168.09
Blended rate divides by every dollar spent, including the S$1,168.09 that fell inside part-used S$5.00 blocks and earned nothing. That is what makes it the figure to compare cards on: it is what this card returned on everything you put through it.
S$2,262.63 of spend has no known payment method — 21% of the total. This card's bonus depends on HOW you paid, and statements never print that, so those rows earn the base rate here. Set the method on a transaction below and tick “remember” to fix every future one from that merchant. It is left blank rather than guessed: calling an in-store tap a mobile payment would invent a rate you never earned.
S$1,168.09 of spend fell inside partial S$5.00 blocks and earned nothing — 3,137 miles at the rate each remainder actually lost. Rounding happens per transaction here, so paying in fewer, larger amounts loses less.
Average S$712.58 over 15 cycles, excluding the cycle still running
  • Mobile contactless payments and SimplyGo · 4.00 mpd60%
  • Selected online transactions · 4.00 mpd5%
  • Everything else · 0.40 mpd36%
CycleSpendUNI$Total rewards · milesHighest tierRateWasted
1 Aug – 31 AugS$299.38550 *1,100100%3.67 mpd—
1 Jul – 31 JulS$535.30990 *1,980100%3.70 mpd—
1 Jun – 30 JunS$393.93680 *1,360100%3.45 mpd—
1 May – 31 MayS$767.551,121 *2,24278%2.92 mpdS$167.55
1 Apr – 30 AprS$785.991,136 *2,27276%2.89 mpdS$185.99
1 Mar – 31 MarS$843.201,073 *2,14671%2.55 mpdS$243.20
1 Feb – 28 FebS$1,036.111,108 *2,21657%2.14 mpdS$444.38
1 Jan – 31 JanS$1,155.562,123 *4,24697%3.67 mpdS$29.85
1 Dec – 31 DecS$618.981,073 *2,14697%3.47 mpdS$18.98
1 Nov – 30 NovS$442.62730 *1,460100%3.30 mpd—
1 Oct – 31 OctS$358.74244 *48838%1.36 mpdS$222.89
1 Sep – 30 SepS$548.07268 *53624%0.98 mpdS$419.24
1 Aug – 31 AugS$1,107.36427 *85413%0.77 mpdS$965.91
1 Jul – 31 JulS$1,332.011,241 *2,48245%1.86 mpdS$732.01
1 Jun – 30 JunS$506.07413 *82638%1.63 mpdS$314.01
1 May – 31 MayS$257.22199 *39837%1.55 mpdS$162.39
Rate is total rewards over every dollar spent, so it moves with the “earned on” column rather than because the card changed. A figure marked * has no statement yet and is what we compute.

Where this cycle went

  • groceries47%
  • dining41%
  • retail_instore12%

Spend, last six months

Average S$665.19 over 5 months, excluding the month still running

Transactions

MCC marked ≈ is inferred from the merchant name rather than supplied by the bank. “≈ unused” means the inference was not confident enough to unlock a bonus, and “✓ yours” is one you recorded.
Record an MCC for a merchantIf your bank's app shows the real MCC, put it here. It outranks any inference but never the code the bank printed on the statement.
488 of 488 rows
  • JIDAI RESTAURANTS$31.40
    11 Jan → 12 Jandining5814contactlessearlier · 1 Jan
    60 UNI$1.91/$mobile-contactless▸
  • THAI TAIS$6.44
    6 Jan → 7 Jandining5812contactlessearlier · 1 Jan
    10 UNI$1.55/$mobile-contactless▸
  • MEADESMOORES$9.34
    6 Jan → 7 Jandining5814 ✓contactlessearlier · 1 Jan
    10 UNI$1.07/$mobile-contactless▸
  • PHS HAIRSCIENCES$62.64
    6 Jan → 7 Janbeauty_wellness7298 ✓contactlessearlier · 1 Jan
    120 UNI$1.92/$mobile-contactless▸
  • GAIG RESTAURANTS$11.30
    4 Jan → 6 Jandining5812contactlessearlier · 1 Jan
    20 UNI$1.77/$mobile-contactless▸
  • NASSIM HILL BAKERY BISTRO BARS$5.81
    4 Jan → 6 Jangroceries5462 ✓contactlessearlier · 1 Jan
    10 UNI$1.72/$mobile-contactless▸
  • ISLAND CREAMERYS$17.12
    4 Jan → 6 Jandining5814 ✓contactlessearlier · 1 Jan
    30 UNI$1.75/$mobile-contactless▸
  • BEEF BROS$1.06
    5 Jan → 6 Jandining5814 ✓contactlessearlier · 1 Jan
    0 UNI$0.00/$mobile-contactless▸
  • TOSSEDS$2.41
    5 Jan → 6 Jandining5814contactlessearlier · 1 Jan
    0 UNI$0.00/$mobile-contactless▸
  • BOOK DEPOSITORYS$324.13
    5 Jan → 6 Janretail_instore5942onlineearlier · 1 Jan
    640 UNI$1.97/$selected-online▸
  • THAI TAIS$4.51
    2 Jan → 3 Jandining5812contactlessearlier · 1 Jan
    0 UNI$0.00/$mobile-contactless▸
  • PHS HAIRSCIENCES$69.65
    31 Dec → 2 Janbeauty_wellness7298 ✓contactlessearlier · 1 Jan
    130 UNI$1.87/$mobile-contactless▸
  • QUARTERS$28.00
    31 Dec → 2 Janretail_instore5651contactlessearlier · 1 Jan
    50 UNI$1.79/$mobile-contactless▸
  • GAIG RESTAURANTS$17.86
    28 Dec → 30 Decdining5812contactlessearlier · 1 Dec
    3 UNI$0.17/$mobile-contactless → base▸
  • NASSIM HILL BAKERY BISTRO BARS$3.53
    28 Dec → 30 Decgroceries5462 ✓contactlessearlier · 1 Dec
    0 UNI$0.00/$mobile-contactless▸
  • POLAR PUFFS & CAKESS$3.27
    28 Dec → 30 Decgroceries5462contactlessearlier · 1 Dec
    0 UNI$0.00/$mobile-contactless▸
  • FOODLANDS$2.05
    28 Dec → 30 Decgroceries5411 ✓contactlessearlier · 1 Dec
    0 UNI$0.00/$base▸
  • MANOLO BLAHNIKS$10.05
    28 Dec → 29 Decgroceries5441contactlessearlier · 1 Dec
    20 UNI$1.99/$mobile-contactless▸
  • PHS HAIRSCIENCES$49.76
    26 Dec → 27 Decbeauty_wellness7298 ✓contactlessearlier · 1 Dec
    90 UNI$1.81/$mobile-contactless▸
  • MEADESMOORES$15.41
    24 Dec → 26 Decdining5814 ✓contactlessearlier · 1 Dec
    30 UNI$1.95/$mobile-contactless▸

Card facts

Counted byPosting date — the day it reached the bank, not the day you paidCycleCalendar month, monthly
Income Req.S$30,000 p.a.Points Validity2 years from the last day of the earning quarter
Annual FeeS$196.20 (first year waived)Min. Transfer5,000 UNI$ (10,000 miles)
Miles with Annual Fee6,500 UNI$ (13,000 miles), deducted at renewalTransfer Partners3 (KrisFlyer, Asia Miles, AirAsia)
FCY Fee3.25%Transfer FeeS$27 per conversion
Local Earn0.4 mpdPoints Pool?Yes
FCY Earn0.4 mpdLounge Access?No
Special Earn4 mpd on mobile contactless and selected online*Airport Limo?No
* Each category has its own S$600 monthly sub-cap. Ordinary contactless has not earned the bonus since 22 May 2020 — only mobile wallets qualify.

How this card earns

TierRateCap
Mobile contactless payments and SimplyGo4.00 mpdS$600.00 of spend
Selected online transactions4.00 mpdS$600.00 of spend
Everything else0.40 mpduncapped
UNI$ → miles · 5,000 minimum transfer · S$27.00 fee · expires after 24 months
Rule notes and caveats
HOW IT EARNS
- 10X UNI$ 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.

Product

Approved oni

Not printed on a statement. Yours first appears on the statement to 24 Jun, so it was approved on or before then.
Leave it blank if you are not sure. A wrong date is worse than none — an expiry predicted from a guess would read as fact.

Usually paid by

Neither statements nor most app screens print how a payment was made, so most rows arrive with no channel at all. Nothing is assumed unless you say so here — assuming online by default made this card pay 4 mpd on restaurant dinners and six statements read up to 54% above what the bank actually paid. Set it only where it is true of the card. A channel you set on a single transaction always wins, and so does one worked backwards from a statement's printed reward total — that is arithmetic on what the bank actually paid, and this is a habit.“Only rows no statement has claimed” keeps the assumption to the cycle nothing else can speak for — app screenshots of spend the statement has not reached yet. When that statement arrives it supersedes those rows and the assumption is taken back off them, leaving the printed reward total to settle the channel. Use it on a card that prints one; use “every row” on a card where the habit is simply true of how you pay.

Cycle

Read off your statement where one has been imported. Only used by cards billed on a statement cycle rather than a calendar month.

Add from a screenshot

The current cycle has no statement yet, so nothing else can tell you how close you are to a minimum or a cap. Screenshot the transaction list in your banking app and upload it here — several consecutive scrolls are fine, in order.A points balance or expiry schedule works too — the yuu app's home and Expiring Points screens are read as readily as a transaction list. Reading them takes about half a minute per image: they go through the local model one at a time, so the page will sit still for a while. It is working.
10 Aug · 3 images · 13 rows read · images not kept for this upload
Read on this machine by the local model — the images are never uploaded anywhere else. Rows land marked as coming from a screenshot, and the statement replaces them when it arrives rather than adding to them.

Statements

  • 2026-07-24
    eStatement UOB Jul 26.pdf
    coordinatenot kept
  • 2026-06-24
    uob.pdf
    coordinatenot kept
  • 2026-05-24
    UOB may 26.pdf
    coordinatenot kept
  • 2026-04-24
    eStatement Apr 26.pdf
    coordinatenot kept
  • 2026-03-24
    eStatement Mar 26.pdf
    coordinatenot kept
  • 2026-02-24
    eStatement Feb 26.pdf
    coordinatenot kept
  • 2026-01-25
    eStatement jan 26.pdf
    coordinatenot kept
  • 2025-12-25
    eStatement UOB Dec 25.pdf
    coordinatenot kept
  • 2025-11-24
    UOB Nov 25.pdf
    coordinatenot kept
  • 2025-11-03
    UOB Nov 25 pt 2.pdf
    coordinatenot kept
  • 2025-10-24
    UOB Oct 25.pdf
    coordinatenot kept
  • 2025-09-24
    UOB Sep 25.pdf
    coordinatenot kept
  • 2025-08-24
    UOB Aug 25.pdf
    coordinatenot kept
  • 2025-07-24
    UOB Jul 25.pdf
    coordinatenot kept
  • 2025-06-24
    UOB Jun 25.pdf
    coordinatenot kept
The original PDFs, kept so you can check any figure here against the document it came from.

Terms and conditions

The documents this card's rules were written from, kept as downloaded. A T&C is revised in place — the page a rate was read off in March may say something else today and nothing here would change — so what is linked is OUR copy, with the date the issuer printed on it.Commentary is linked but deliberately not archived — it is someone else's writing, and a local copy of it is neither ours to keep nor evidence of anything. Refresh with npx tsx scripts/fetch-terms.ts --all.
RewardsMaxx