UOB Visa Signature Card

Period basis

statement cycle

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$25.00 per undefined units

Expiry

24 months

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

• tiers[base].rate_milli_per_dollarissueruob.com.sg ↗read 2026-07-28
  “Clause 1(i): You will earn UNI$1 per S$5 spend on the Card. There is no cap to the amount of UNI$ earned.”
• tiers[overseas]issueruob.com.sg ↗read 2026-07-28
  “Clause 2(i): You will earn UNI$10 per S$5 spend overseas or online in foreign currencies ... This is subject to a minimum Overseas Spend equivalent to S$1,000 per statement period.”
• tiers[petrol-contactless].requires_tier_spend_centsissueruob.com.sg ↗read 2026-07-28
  “To earn UNI$10 per S$5 spend on Petrol Spend and/or Contactless Transactions, you are subject to a combined minimum spend of S$1,000 in Singapore dollars, per statement period.”
• tiers[overseas].cap.reward_milliissueruob.com.sg ↗read 2026-07-28
  “For new Visa Signature Cardmembers whose Card was approved on or after 1 July 2025, a revised cap of UNI$2,400 per statement period applies to each category. For existing Cardmembers whose Card was approved before 1 July 2025, the combined awarding is subject to a cap of UNI$4,000 per statement period.”
• tiers[petrol-contactless].matchissueruob.com.sg ↗read 2026-07-28
  “Clause 2(ii): provided that the merchant falls under 5541 and 5542 of the Merchant Category Code.”
• exclusions[mcc-blocklist]issueruob.com.sg ↗read 2026-07-28
  “Clause 1(iv)(d): all transactions under the following Merchant Category Codes (MCC).”

HOW IT EARNS
- Two INDEPENDENT bonus categories at 10X UNI$ per S$5 (4 mpd), each needing
  S$1,000 of ITS OWN spend per statement period:
    Overseas Spend (foreign currency, including online)
    Petrol (MCC 5541/5542) and Contactless, combined
- Each capped separately at UNI$2,400 (~S$1,200 of spend).
- Below the minimum, the WHOLE card earns 0.4 mpd.

WATCH OUT
- Either category can qualify on its own — hence `requires_tier_spend_cents`.
  A card-wide minimum would let overseas spend wrongly unlock contactless.
- Clause 2(iii): a contactless transaction made OVERSEAS counts toward
  Overseas Spend only. Tier order enforces this, and the contactless tier
  additionally requires foreign: false.
- SimplyGo counts as contactless from 1 July 2025, but the channel inference
  does not recognise SimplyGo rows specifically yet.

NOT MODELLED
- The conversion fee and minimum transfer block, taken from UOB's other cards
  in this wallet rather than this card's own documentation.
- Income requirement is from the product page, not the T&C.

EVIDENCE
- Verified 2026-07-28 against UOB's own "Terms and Conditions Governing UOB
  Visa Signature Card", read from the PDF.
- The approval date turns out not to matter: cards approved before 1 July
  2025 moved to the per-category structure from their September 2025
  statement, so the older combined UNI$4,000 cap is dead for any cycle this
  app will evaluate.