UOB UNI$: Rewards Points for UOB Cards in Singapore

Where UNI$ sits in UOB Rewards+

UOB Rewards+ is the bank's card rewards programme, described on the page as offered to all UOB Cardmembers; the same page notes that the programme was previously known as UOB Mighty Lifestyle. [3] Within it, the My Rewards section of the UOB TMRW app shows balances across five categories: UNI$, UOB$, UOB Coupons, Fave Partner Cashback and Fave Deals. [3] UNI$ is therefore one reward currency among several rather than the programme itself, and the cashback, coupon and Fave elements carry their own separate balances. [3]

The page describes UNI$ as a pooled balance: under the UNI$ category a cardmember sees all the UNI$ earned and burned across all of their UOB credit cards, and transactions by any supplementary cardmembers are listed in the same history. [3] That is a description of how the app displays the balance, not a statement of a transfer rule between cards, and no conversion between UNI$ and the other four categories is described. [3]

Earning and balance mechanics

The page checked does not publish an earn rate for UNI$: it does not state how many UNI$ are awarded, which transactions qualify, or which merchant categories are excluded. [3] Instead it points cardmembers to the My Rewards area, where a "Tap to learn more" link beneath each reward category sets out how to start earning that category. [3] Elsewhere UOB describes its card range as giving additional cashback, miles or reward points depending on the card, without attaching any specific rate to UNI$. [3]

Two balance mechanics are published. The rewards history covers the past three months of transactions; refunded transactions are not shown in that history, but the UNI$ for a refunded transaction is deducted from the total UNI$ balance. [3] Manual adjustments requested through UOB's support channels are also absent from the rewards history, while the adjusted amount is reflected in the UNI$ balance. [3]

Redeeming UNI$

UOB describes UNI$ redemption as covering rewards and cash rebates across a selection of dining, shopping and travel merchants. [3] The page illustrates this with named offers rather than a conversion table: a Made to Measure S$50 voucher at CYC Tailor for UNI$4,720, and a S$20 voucher at Si Chuan Dou Hua for UNI$2,250. [3] Both are listed as Instant Rewards Redemption offers, the first valid only at the CYC Tailor outlet at Capitol Piazza and the second only at TOP of UOB Plaza 1, and both require a valid physical UOB Visa or Mastercard card to be presented at the point of redemption under the UOB Rewards terms and conditions. [3] No single UNI$ to Singapore dollar rate for vouchers is stated; the point cost is published per offer. [3]

Two further examples show different shapes of redemption. For purchases through the UOB Apple Rewards Store the page lists the line "Offset your Apple Purchase with UNI$100 = S$1", and a Johor Bahru promotion advertises instant savings with UNI$ redemption alongside 0% FX fees and cashback on MYR spend for UOB Cards. [3] Both appear as offers on the rewards page rather than as standing programme rules, and the page states no end date for either. [3]

Exceptions and limits

• Expiry exists, but its length is not published. The rewards FAQ says the My Rewards section displays the expiring rewards balance and the expiry dates for the various UOB or Fave rewards, coupons and deals, and that anything expired is forfeited and disappears from My Rewards. [3] It adds that extensions are not available. [3] Those answers are written for UOB and Fave rewards, coupons and deals as a group, not for UNI$ alone, and no UNI$ validity period is given. [3]
• Card product and offer conditions govern redemption. Each redemption listed carries its own merchant, outlet, physical-card and terms conditions, so the terms of one offer do not carry across to another, and the page states that card terms and redemption options differ by product. [3]
• Refunds and adjustments override the history. Because refunded transactions and manual adjustments are handled outside the visible three-month history, the displayed transaction list is not a complete record of why a UNI$ balance changed. [3]
• The page checked gives no UNI$ earn rate, no UNI$ expiry period, no airline or hotel transfer partners, no transfer ratio, no fee for converting points, and no cash value per UNI$. [3]

Related pages

UNI$ behaves like a fixed-value card currency in the offers shown here, which makes these entries useful alongside it: fixed-value points, loyalty currency, flexible points and cents per point. Background reading: co-branded cards vs transferable points and first card application plan, or browse all glossary terms.

Sources

Sources checked on 18 October 2026. The single source is UOB Singapore's Rewards+ page, which treats UNI$ as one part of a wider rewards programme; the UOB$ cashback, UOB Coupons, Fave Partner Cashback and Fave Deals categories it lists alongside UNI$ are not covered here, and neither are UOB's operations in other markets, other Singapore banks' card points schemes, or any airline or hotel loyalty programme.

1. UOB Rewards+ — rewards, UNI$ redemption and rewards FAQ (UOB Singapore), checked 18 October 2026