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UOBMastercardCredit Card

KrisFlyer UOB Mastercard Card

3 mpd on SIA/Scoot, Kris+, and Pelago with S$800 min spend.

KrisFlyer UOB Mastercard Card card
Base earn rate
1.2 MPD
Max reward rate
3 MPD
top rate
Annual fee
S$196.20
Min income
S$30,000
Local · age 21+
View Product PageTerms & Conditions
Back to The Card Vault

Reward rules

How this card earns — every rate, cap, and condition.

SIA Group (3.0 mpd)

Spending categories included
flights

Extracted from Terms & Conditions

1.2 15 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 3 KrisFlyer miles per Singapore Dollar) on each Singapore Airlines Group Related Card Transaction that is successfully charged and posted to your Card in a calendar month ("Singapore Airlines Miles"). "Singapore Airlines Group Related Card Transaction(s)" means the Card Transaction(s) made with Singapore Airlines, Scoot and KrisShop. For avoidance of doubt, Kris+ Card Transactions and Pelago Card Transactions are not considered Singapore Airlines Group Related Card Transactions.

3×multiplier
Rounded per S$5

Kris+ (3.0 mpd)

Spending categories included
krisplus

Extracted from Terms & Conditions

1.3 15 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 3 KrisFlyer miles per Singapore Dollar) on each Kris+ Card Transaction that is successfully charged and posted to your Card in a calendar month ("Kris+ Miles").

3×multiplier
Rounded per S$5

Pelago (3.0 mpd)

Merchant name contains
pelago

Extracted from Terms & Conditions

1.4 With effect from 1 June 2025, 15 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 3 KrisFlyer miles per Singapore dollar) on each Pelago Card Transaction that is successfully charged and posted to your Card in a calendar month ("Pelago Miles"). "Pelago Card Transaction(s)" mean the Card Transaction(s) made at Pelago.

3×multiplier
Rounded per S$5

Dining Accelerated (2.4 mpd)

All of the following
Any of the following
Merchant categories included
Dining5812 Eating Places, Restaurants · 5813 Drinking Places · 5814 Fast Food Restaurants
Merchant name contains
DELIVEROO, DELIVERY HERO, FOODPANDA, PAYPAL *DELIVEROOSI, PAYPAL *FOODPANDASG
Online required
No
Foreign currency spend
No
Required annual SIA spend
1000

Extracted from Terms & Conditions

1.6 With effect from 1 June 2025, an additional 6 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 1.2 KrisFlyer miles per dollar) ("Accelerated Miles") on Dining, Online Shopping, Online Travel and Transport Card Transactions with a minimum required sum of Singapore One Thousand Dollars (S$1,000) on Singapore Airlines Group Related Card Transactions charged to your Card in a Card Membership Year ("Condition"). "Dining" means the Card Transaction(s) made at establishments whose main business activity is classified as food and beverage and bearing the Merchant Category Codes (MCC) or transaction description listed in the table below. Eating places and Restaurants, Bars and Fast food restaurants: 5812, 5813 and 5814. Online food delivery (Grab Food, Deliveroo and Foodpanda): DELIVEROO*, DELIVERY HERO*, FOODPANDA*, 4121, PAYPAL *DELIVEROOSI (wef 1 April 2021), PAYPAL *FOODPANDASG (wef 1 April 2021).

2.4×multiplier
Rounded per S$5

Online Shopping Accelerated (2.4 mpd)

Merchant categories included
Entertainment5735 Record Shops
Fashion5611 Men’s and Boys’ Clothing and Accessories Stores · 5621 Women’s Ready-to-Wear Stores · 5631 Women’s Accessory and Specialty Shops · 5641 Children’s and Infants’ Wear Stores · 5651 Family Clothing Stores · 5661 Shoe Stores · 5691 Men’s/Women’s Clothing Stores · 5699 Miscellaneous apparel stores · 5948 Luggage and Leather Goods Stores
Healthcare5912 Drug Stores / Pharmacies
Online Shopping5399 Misc. General Merchandise
Retail Shopping5262 Marketplaces · 5309 Duty Free Stores · 5310 Discount Stores · 5311 Department Stores · 5331 Variety Stores · 5732 Electronics Stores · 5733 Musical Instruments & Sheet Music Stores · 5942 Book Stores · 5944 Jewelry, Watch, Precious Stone, and Silverware Stores · 5945 Hobby, Toy, and Game Shops · 5946 Camera and Photographic Supply Stores · 5947 Gift, Card, Novelty, and Souvenir Shops · 5949 Sewing, Needle, Fabric, and Piece Goods Stores · 5999 Miscellaneous Retail · 7278 Buying and Shopping Services and Clubs
Telecommunications4816 Computer Network/Information Services
Other5306
Merchant categories excluded
Online Shopping5734 Computer Software Stores · 5964 Direct Marketing – Catalog Merchant · 5965 Direct Marketing – Combination Catalog & Retail · 5966 Direct Marketing – Outbound Telemarketing · 5967 Direct Marketing – Inbound Telemarketing · 5968 Direct Marketing – Subscription Services · 5969 Direct Marketing – Other Direct Marketers
Retail Shopping5970 Artist Supply and Craft Stores · 5992 Florists
Online required
Yes
Foreign currency spend
No
Required annual SIA spend
1000

Extracted from Terms & Conditions

1.6 With effect from 1 June 2025, an additional 6 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 1.2 KrisFlyer miles per dollar) ("Accelerated Miles") on Dining, Online Shopping, Online Travel and Transport Card Transactions with a minimum required sum of Singapore One Thousand Dollars (S$1,000) on Singapore Airlines Group Related Card Transactions charged to your Card in a Card Membership Year ("Condition"). "Online Shopping" means the Card Transaction(s) made at fashion websites that sells clothes, shoes, jewellery, accessories and bags as its main business activity including card-not-present transactions like ecommerce/mail/phone order transactions in local and foreign currencies, provided that such merchant fall within any one of the following Merchant Category Codes (MCC). Online Shopping: 4816, 5262 (wef 1 April 2021), 5306, 5309, 5310, 5311, 5331, 5399, 5611, 5621, 5631, 5641, 5651, 5661, 5691, 5699, 5732, 5733, 5735, 5912, 5942, 5944-5949, 5999, 7278 (only for Shopee, Lazada and Qoo10; wef 1 Apr 2021). Note: WEF 1 July 2020, please be informed that any online payment made to Computer Software Stores (5734), Direct Marketing Merchants (5964 - 5969), Artist Supply Stores, Craft Shops (5970) and Florists (5992) are excluded from the awarding of Accelerated Miles.

2.4×multiplier
Rounded per S$5

Online Travel Accelerated (2.4 mpd)

Merchant name contains
AGODA, AIRBNB, BOOKING.COM, EXPEDIA, HOTELS.COM, KALIGO, TRAVELOKA, TRIP.COM
Online required
Yes
Foreign currency spend
No
Required annual SIA spend
1000

Extracted from Terms & Conditions

1.6 With effect from 1 June 2025, an additional 6 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 1.2 KrisFlyer miles per dollar) ("Accelerated Miles") on Dining, Online Shopping, Online Travel and Transport Card Transactions with a minimum required sum of Singapore One Thousand Dollars (S$1,000) on Singapore Airlines Group Related Card Transactions charged to your Card in a Card Membership Year ("Condition"). "Online Travel" means the Card Transaction(s) made at the following merchants via their official websites or mobile applications bearing the corresponding transaction descriptions. Agoda (www.agoda.com): AGODA*, PAYPAL *AGODACOMPAN; Airbnb (www.airbnb.com): AIRBNB*, PAYPAL *AIRBNB AIRBNB; Booking.com (www.booking.com): HOTEL ON BOOKING.COM*, BOOKING.COM*, PAYPAL *BOOKING.COM, B.COM* (wef 1 April 2021); Expedia (www.expedia.com): EXPEDIA*, PAYPAL *EXPEDIA.COM; Hotels.com (www.hotels.com): HOTELS COM*, HOTELS.COM*, PAYPAL *HOTELS.COM, HOTELSCOM* (wef 1 April 2021), HOTEL*HOTELS.COM (wef 1 April 2021), HOTELCOM* (wef 1 December 2025); Kaligo (www.kaligo.com): KALIGO*; Traveloka (www.traveloka.com): TRAVELOKA*, PAYPAL *TRAVELOKA; Trip.com (www.trip.com): TRIP.COM*, WWW TRIP COM* (wef 1 December 2025).

2.4×multiplier
Rounded per S$5

Transport Accelerated (2.4 mpd)

All of the following
Any of the following
Merchant categories included
Transport4121 Taxicabs and Limousines
Merchant name contains
BUS/MRT
Online required
No
Foreign currency spend
No
Required annual SIA spend
1000

Extracted from Terms & Conditions

1.6 With effect from 1 June 2025, an additional 6 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 1.2 KrisFlyer miles per dollar) ("Accelerated Miles") on Dining, Online Shopping, Online Travel and Transport Card Transactions with a minimum required sum of Singapore One Thousand Dollars (S$1,000) on Singapore Airlines Group Related Card Transactions charged to your Card in a Card Membership Year ("Condition"). "Transport" means the Card Transaction(s) made at public transport including local bus, trains, and taxis, provided that such merchant fall within any one of the following Merchant Category Codes (MCC) or transaction descriptions. Local public bus and trains: BUS/MRT*. Taxis and ride hailing: 4121.

2.4×multiplier
Rounded per S$5

Base (1.2 mpd)

Extracted from Terms & Conditions

1.1 6 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent (equivalent to 1.2 KrisFlyer miles per Singapore Dollar) on each Card Transaction (excluding Singapore Airlines Group Related Card Transactions, Kris+ Card Transactions and (w.e.f. 1 June 2025) Pelago Card Transactions) that is successfully charged and posted to your Card in a calendar month ("Base Miles").

1.2×multiplier
Rounded per S$5

Exclusions

0×earn

No miles are earned on 42 merchant categories, including cash advances, education, entertainment and fund transfers.

Cash Advances
6050 Quasi Cash – Customer Financial Institution · 6051 Quasi Cash / Non-Financial · 6540 Non-Financial Institutions – Stored Value Card Purchase/Load
Education
8211 Elementary & Secondary Schools · 8220 Colleges, Universities · 8241 Correspondence Schools · 8244 Business and Secretarial Schools · 8249 Vocational and Trade Schools · 8299 Schools/Instruction Services
Entertainment
7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
Fund Transfers
6534 Money Transfer Member
Healthcare
8011 Doctors — Not Elsewhere Classified · 8062 Hospitals · 8099 Medical Services Not Elsewhere Classified
Insurance
5960 Direct Marketing – Insurance Services · 6300 Insurance Sales / Premiums
Online Shopping
5965 Direct Marketing – Combination Catalog & Retail
Retail Shopping
5199 Nondurable Good · 5993 Cigar Stores and Stands · 7349 Clean/Maint/Janitorial Services · 7511 Quasi Cash – Truck Stop Transactions
Telecommunications
4829 Wire Transfer Money Orders
Transport
7523 Automobile Parking Lots and Garages
Utilities
4900 Utilities
Other
6012 Financial Institutions – Merchandise, Services, and Debt Repayment · 6211 Securities — Brokers/Dealers · 6399 — · 6513 Real Estate Agents / Managers · 6529 Remote Stored Value Load - Member · 6530 Remote Stored Value Load - Merchant · 8398 Charitable/Social Organizations · 8651 Political Organizations · 8661 Religious Organizations · 8699 Membership Organizations Not Elsewhere Classified · 8999 Professional Services (NEC) · 9211 Court Costs, Including Alimony and Child Support · 9222 Fines · 9223 Bail and Bond Payments · 9311 Tax Payments · 9399 Government Services (Not Elsewhere Classified) · 9402 Postal Services – Government Only · 9405 Intra-Government Purchases – Government Only
Specific merchants
axs · amaze · banc de binary · bancdebinary · ez link · ez-link · ezlink · myezlink · flashpay · moneybookers · nets vcashcard · netsflashpay · oanda · saxo cap · skrill · skyfx · igmarkets · transit · ipaymy · rws-levy · smoove pay · singpost-sam · razerpay · norwds · paypal * bizconsulta · paypal * capitalroya · paypal * oandaasiapa · paypal* plus500 · plus500 · city index · youtrip · smartpay · spc service stations · uob payment facility · nets
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