2025 Card Review: UOB Visa Signature Card (VS)
- MilesWise
- Feb 14
- 4 min read
Updated: Mar 6
When it comes to earning miles efficiently, choosing the right credit card is key. The UOB Visa Signature remains one of the best options for maximizing miles on contactless transactions and foreign currency (FCY) spending. But is it the right fit for your spending habits? Let's break it down.
UOB Visa Signature Card: MileWise Card Rating for 2025
☑ Core Card to Use 🔥
☐ Use Only When There Is a Promotion 🎯
☐ Apply Only for Sign-Up Bonus (SUB) 💰
☐ Don't Bother Applying 🚫
MileWise Commentary: If you often exceed the S$1.11K on the UOB Preferred Platinum Visa, UOB Visa Signature is a solid upgrade, allowing you to earn 4mpd on both overseas spending and contactless transactions in Singapore. Since UOB pools points, you can use this card only when needed, minimizing the risk of accumulating 'orphan' points.
The S$1k minimum spend requirement can be a bit of a hassle, so it’s best to have a plan to hit it, especially as the month-end approaches. Some easy PayWave-friendly ideas include stocking up on groceries, treating your family to a nice meal, or using the Singtel Self-Service Kiosk to pay off your Singtel bills.
Key Features of UOB Visa Signature
4 mpd on all local petrol & contactless, Foreign Currency Spend (FCY)
Min Spend: S$1K, Max Spend: S$2k
No S$5 earning block issue as bonus is calculated at the end of the month
Minimum spend and caps for the UOB Visa Signature are tracked by statement month, not calendar month. ( You can get your statement month changed to calendar month)
No problems getting an annual fee waiver
Understanding Minimum Spend Across Categories
Local contactless and FCY are distinct categories – Contactless transactions made overseas only count towards the overseas category, not both.
To unlock 4 mpd on overseas spending, you need S$1,000 in FCY transactions.
To unlock 4 mpd on local petrol & contactless spending, you need S$1,000 in SGD transactions.
Best strategy: Stick to one category per month (e.g., if using it for FCY, avoid local contactless spending on the card).
Who Should use the UOB Visa Signature?
Everyone, really – Given how common contactless payments are in Singapore, most people can benefit from this card. If you regularly pay with PayWave, this is an easy way to rack up miles.
High Spenders on Contactless Transactions – If your monthly contactless spending exceeds S$1,100, pairing UOB Visa Signature with UOB Preferred Platinum Visa allows you to continue earning bonus miles beyond the PPV cap.
Travelers – For those who travel often, hitting the S$1,000 foreign currency spend isn't difficult—especially if you factor in accommodation, dining, and shopping.
Existing UOB card owners – Since UOB pools points, you can use this card strategically when you have big expenses or upcoming trips. This removes the pressure of trying to meet the S$1,000 spend every single month—just use it when you need to.
Follow these tips to maximise your miles from UOB Visa Signature:
AirBnB: Choose to pay in the local currency to ensure you qualify for FCY spending. This lets you effectively buy miles at just 1.08 cents per mile.
Track Your Statement Cycle: Since UOB Visa Signature tracks spending by statement month, ensure you meet the S$1,000 spend requirement within the correct cycle to earn bonus miles.
Consider Prepaid Expenses: If you know you have upcoming travel or expenses, consider prepaying for flights, hotels or activites to split the expenses across months and maximize the monthly cap.
Singtel bills: You can pay up to 2x your current bill amount on Singtel's self-service kiosk, which can be useful to hit the S$1,000 spend requirement in months where you might otherwise fall short.
Final Thoughts: Should You Get the UOB Visa Signature?
The UOB Visa Signature remains a top choice for miles collectors in 2025, provided you can strategically meet the spending criteria. If you frequently spend overseas or use contactless payments, this card is a must-have in your wallet. However, if you struggle to hit the S$1,000 minimum spend, you might want to consider UOB PPV.
What’s your take on the UOB Visa Signature? Let me know in the comments/poll!
Enjoyed this article? Find more tips to accelerate your miles game! ✈️💳
Survey: UOB Visa Signature
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UOB Visa Signature Card Technical Specifications
🏷️Annual Fee: | $218/year |
|---|---|
💰 Income Requirement: | $50,000/year |
🌍 Foreign Currency Fee: | 3.25% |
⏳ Points Expiry: | 2 years |
✈️ Transfer Partners: | KrisFlyer, Asia Miles |
🔄 Transfer Ratio: | 1 UNI$ = 2 miles |
📦 Transfer Block: | 5,000 UNI$ (10,000 miles) |
💳 Transfer Fee: | $25 per transfer |
🔗 Points Pooling: | Yes, with other UOB cards for a single transfer |
📌 How/When Points Are Credited: | Base points are credited immediately when the transaction is posted; Bonus points are posted when the month ends. |
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