Card review

UOB Visa Signature review (2026)

UOB Visa Signature card art

Powerful but a bit leceh. Clear S$1,000 a month in taps or overseas spend and it purrs along at 4 mpd; miss the minimum and you get crumbs. A great second-step card once you know your spending pattern.

UOBVISAS$218/yr, first year freeMin income S$30k0.4 mpd elsewhere
Apply nowOpens UOB's official page

Great for

Overseas SpendContactlessMonths under S$1,000Set-and-forget beginners

Use it for

4mpd

on local contactless, petrol and SimplyGo

Capped at S$1,200/statement monthMin S$1,000/statement month
4mpd

on overseas and foreign-currency spend

Capped at S$1,200/statement monthMin S$1,000/statement month
The two caps are separate buckets — each needs its own S$1,000 minimum.

Watch out for

  • Spend S$999 in a category and you earn 0.4 mpd on everything — the S$1,000 minimum is all or nothing.
  • The sweet spot is narrow: S$1,000 minimum to S$1,200 cap, per category, per statement month.
  • The 3.25% foreign-currency fee means you're effectively buying miles at ~1¢ each — worth it only if you redeem well.

Other cards to compare

UOB Preferred Visa card artUOB Preferred VisaTap your phone anywhere, earn 4 mpd.Read review →HSBC Revolution card artHSBC RevolutionPermanent 4 mpd online + contactless, no annual fee ever.Read review →DBS Altitude card artDBS AltitudeThe optional backup: 1.3 mpd, no cap, points never expire.Read review →

UOB Visa Signature FAQs

How does the S$1,000 minimum spend work?

You must spend at least S$1,000 in a category (local contactless or foreign currency) within a statement month to earn any bonus at all. S$999 gets you 0.4 mpd on everything.

Does petrol share the contactless cap?

Yes — local contactless, petrol and SimplyGo share one S$1,200 sub-cap; overseas/FCY spend has its own separate S$1,200 sub-cap with its own minimum.

Does it earn miles on SimplyGo?

Yes — SimplyGo transit was added to the 4 mpd categories in Aug 2025, within the local contactless bucket (minimum spend still applies).

Where this card wins

Best miles cards for overseas spend4 mpd on holiday spending — and the FX-fee math nobody explains.See our pick →Best miles cards for contactless spendTap your phone, earn 4 mpd. The easiest miles you'll ever make.See our pick →

Last updated 4 July 2026. Earn rates and caps change — confirm details on the bank's site before applying. Spot an outdated rate?