UOB Visa Signature Card — Up to 4 mpd Dining and Groceries
Earns up to 4 mpd on overseas spend and up to 4 mpd on local spend — each group unlocks on S$1,000/mo of its own spend, and the groups track independently so both can earn in the same month. Use the simulator to see your projected annual miles.
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| Category | Rate | Miles |
|---|---|---|
| All other categories (base rate) | 0.4 mpd | 840 |
| Monthly miles | 840 | |
| Annual miles | 10,080 | |
Earning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •Bonus groups are tracked independently — each unlocks on its own combined spend, so both can earn in the same statement month.
- Overseas Spend group (min S$1,000/mo):
- •4 mpd on Foreign currency
- •Capped at 4,800 miles/mo — spend past the cap earns the 0.4 mpd base rate
- Local Spend group (min S$1,000/mo):
- •4 mpd on Dining, Groceries, Petrol, and Bus / MRT
- •Capped at 4,800 miles/mo — spend past the cap earns the 0.4 mpd base rate
- •0.4 mpd base rate on other eligible spend
- •Bonus miles capped at 9,600/mo — base spend continues earning 0.4 mpd uncapped
- •Annual fee: S$218.00 (First year waived)
- Travel Insurance
Complimentary travel insurance with coverage of up to S$500,000 for Public Conveyance Personal Accident.
- Fuel Savings at Shell and SPC
Fuel savings at Shell and SPC service stations in Singapore.
- UOB$ Programme
Instant rebates with UOB$ at participating dining, retail and lifestyle merchants islandwide.
- Annual fee
- S$218.00First year waived
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 25.9%
- Cash advance interest rate (p.a.)
- 28%
- Minimum payment
- 3% of current balance or S$50, whichever is higher, plus any overdue amounts
- Interest-free period
- 21 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$40,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
Monthly spend required of S$1,000 for overseas spend & local spend respectively.
- •Earns 4 miles per S$1 on overseas spend, including online overseas transactions.
- •Earns 4 miles per S$1 on local petrol spend.
- •Earns 4 miles per S$1 on local contactless transactions (including SimplyGo).
- •Includes complimentary travel insurance with coverage of up to S$500,000 for Public Conveyance Personal Accident.
- •Provides fuel savings at Shell and SPC service stations in Singapore.
- •The S$218 annual fee is waived for the first year.
- •Bonus miles require a minimum spend of S$1,000 per statement period in each bonus category group.
- •General spend outside the bonus categories earns a base rate of 0.4 miles per S$1.
- •Bonus miles are capped at the equivalent of UNI$4,800 (about 9,600 miles) per statement period across both bonus categories.
- •The annual fee is S$218 from the second year onwards.
- •A foreign-currency transaction fee of 3.25% applies to overseas transactions.
About the UOB Visa Signature Card
The UOB Visa Signature Card from UOB splits its bonus earning into two independent groups. Overseas Spend earns 4 mpd on foreign currency once you spend S$1,000/mo within that group, capped at 4,800 miles/month. Local Spend earns 4 mpd on dining, groceries, petrol, and bus / mrt once you spend S$1,000/mo within that group, capped at 4,800 miles/month. Because each group is judged on its own spend, both can earn their bonus in the same statement month; spend beyond a group's cap — and any spend outside the groups — earns the 0.4 mpd base rate. The annual fee is S$218.00 (First year waived). Terms and conditions apply.
Miles breakdown
The UOB Visa Signature Card earns through independent bonus groups, each judged on its own spend so several can pay out in the same month. Overseas spend earns 4 mpd on foreign currency once that group's spend reaches S$1,000/mo (up to 4,800 miles/month, after which spend in the group earns the base rate) and local spend earns 4 mpd on dining, groceries, petrol, and bus / mrt once that group's spend reaches S$1,000/mo (up to 4,800 miles/month, after which spend in the group earns the base rate). Across the groups, bonus miles are capped at 9,600 per month in total. All other spend, and spend past a group's cap, earns 0.4 mpd. Use the simulator above to see your projected annual miles at your spend level.
Where this card earns the most
The UOB Visa Signature Card earns the most when spend fills its bonus groups — 4 mpd on foreign currency and 4 mpd on dining, groceries, petrol, and bus / mrt. Each group pays its bonus only once its own spend clears S$1,000/mo, and each group is capped separately, so the calculator rewards spreading enough into every group rather than concentrating it in one.
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Frequently asked questions
Is the UOB Visa Signature Card worth it?
The UOB Visa Signature Card earns 0.4 mpd on general spend and up to 4 mpd on its bonus groups — 4 mpd on foreign currency and 4 mpd on dining, groceries, petrol, and bus / mrt — each unlocked by S$1,000/mo of spend within that group, with a S$218.00 annual fee (First year waived). Its value depends on how much of your spending falls into those groups and whether you can clear each group's minimum — project your miles with the calculator above.
Who is the UOB Visa Signature Card for?
The UOB Visa Signature Card suits cardholders whose spending leans on overseas spend and local spend and who can reach S$1,000/mo in each group every month to unlock the 4 mpd rate. Because the groups are tracked separately, spreading enough into both earns more than concentrating spend in one.
How many miles does the UOB Visa Signature Card earn?
The UOB Visa Signature Card earns through two independent bonus groups: 4 mpd on foreign currency and 4 mpd on dining, groceries, petrol, and bus / mrt. Each group pays its bonus only once its own spend clears S$1,000/mo, and the groups are judged separately so both can earn in the same month. Spend outside the groups — or past a group's cap — earns 0.4 mpd.
How do the bonus categories on the UOB Visa Signature Card work?
The UOB Visa Signature Card groups its bonus categories into two sets that earn independently: overseas spend (foreign currency) and local spend (dining, groceries, petrol, and bus / mrt). Each set earns 4 mpd once it reaches S$1,000/mo of spend within that set — the minimum is measured per set, not across the whole card, so qualifying for one set does not depend on the other and both can pay out in the same statement month. Each set is capped at 4,800 miles/month; spend past the cap earns the 0.4 mpd base rate.
Are there earning caps?
Yes — each bonus group has its own monthly cap: overseas spend at 4,800 miles/mo and local spend at 4,800 miles/mo. Bonus miles across all groups are capped at 9,600 miles/mo in total. Once a group hits its cap, further spend in that group earns the 0.4 mpd base rate, so the effective rate on that group eases toward base as you spend more.
What is the annual fee?
S$218.00, First year waived.
How does miles redemption work?
The UOB Visa Signature Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earning. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.