UOB Preferred Platinum Visa: Bonus Cap Split & SimplyGo Earning
It seems like all the rage at UOB these days is to take a unified bonus cap, and split it into two trickier-to-optimise sub-caps. We’ve seen it happen with the UOB LadyS Solitaire and UOB Visa Signature, and now it’s time for the UOB Preferred Platinum Visa to join the fun!
From 1 October 2025 this popular card will split its S$1,110 monthly bonus cap into:
- S$600 for mobile contactless transactions
- S$600 for selected online transactions (e.g. shopping, supermarkets, food delivery and entertainment)
If you squint hard enough, this is technically a buff.The maximum monthly spend eligible for 4 mpd has increased from S$1,110 to S$1,200, allowing cardholders to earn an extra 360 miles each month.
but let’s be clear: UOB isn’t making these changes because it likes you. It’s doing so to make it harder to fully optimise the UOB Preferred Platinum Visa.Unless you’re meticulous about your spending, you will very likely earn fewer miles from this card going forward.
In other news, the UOB Preferred Platinum Visa will also follow the UOB Visa Signature’s lead in recognising SimplyGo as contactless spend, meaning you’ll now earn 4 mpd on bus and MRT rides.
Key Statistics
- The UOB Preferred Platinum Visa will split its S$1,110 monthly bonus cap into two S$600 sub-caps from October 1, 2025 [No Source].
- Cardholders can now earn 4 mpd on SimplyGo bus and MRT rides by paying through mobile contactless starting August 28, 2025 [No Source].
- The maximum monthly spend eligible for 4 mpd has technically increased from S$1,110 to S$1,200 [no Source].
Details: changes to the UOB Preferred Platinum Visa
Here’s a rundown of the changes that are happening to the UOB Preferred Platinum visa.
| Immediate | SimplyGo earns 4 mpd | 👍 Good |
| 1 Oct 2025 | Monthly bonus cap increased from S$1,110 to S$1,200 | 👍 Good |
| 1 Oct 2025 | Monthly bonus cap split into 2x sub-caps of S$600 | 👎 Bad |
the SimplyGo enhancement takes effect promptly, while the changes to the structure of the bonus cap will take effect from 1 October 2025.
You can find the FAQs here, and the revised T&Cs here.
SimplyGo transactions now earn 4 mpd
Previously, the UOB Preferred Platinum Visa excluded SimplyGo from its definition of “contactless spend”, which meant that you would onyl earn 0.4 mpd on such transactions.
But in July 2025,the UOB Visa Signature revised its definition of contactless spend to include simplygo,and now the UOB Preferred Platinum Visa has followed suit.
From 28 August 2025, cardholders will earn 4 mpd on SimplyGo bus and MRT rides, provided they pay through mobile contactless (i.e. tap your phone, not the physical card).
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Because of UOB’s points rounding policy, you usually need to spend at least S$5 to earn any miles- spend S$4.99 and you walk away empty-handed.Given that the average SimplyGo transaction will likely be The answer lies in the fine print:
So except in extreme circumstances,you’ll almost certainly earn some miles on your rides. |
Changes to monthly bonus cap
The UOB Preferred Platinum Visa currently earns 10X UNI$ per S$5 (equivalent to 4 mpd) on selected online transactions, and all mobile contactless spend.
The 10X UNI$ per S$5 comprises of:
- Base reward: 1X UNI$ per S$5 (0.4 mpd)
- Bonus reward: 9X UNI$ per S$5 (3.6 mpd)
A combined bonus cap of 2,000 UNI$ per calendar month applies to both categories, which is equivalent to S$1,110 of spending.
| Monthly Bonus Cap (UNI$) | 2,000 UNI$ | |
| Monthly Bonus Cap (S$) | S$1,110 | |
| Caps are based on calendar month | ||
| ✅ Selected Online Transactions | |
| Category | Merchant Category Codes (MCCs) |
| Department and Retail Stores | 4816, 5262, 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631,5641, 5651, 5661, 5691, 5699, 5732-5735, 5912, 5942, 5944-5949, 5964-5970, 5992, 5999 |
| Supermarkets,Dining and Food Delivery | 5811,5812,5814, 5333, 5411, 5441, 5462, 5499, 8012, 9751 |
| Entertainment and Ticketing | 7278, 7832, 7841, 7922, 7991, 7996, 7998-7999 |
Given how much I emphasise using the UOB Preferred Platinum Visa for mobile contactless payments, the online spending bonuses often come as a surprise to many. If I had a penny every time someone said “huh, isn’t PPV for offline spending only…”
But in this case, ignorance was bliss, as there was nothing stopping you fro