UOB Preferred Platinum Visa Bonus MCC Categories
The UOB Preferred Platinum Visa earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Online Bonus Categories — 4 MPD
Online spend at grocery stores, department stores, electronics, fashion, and dining merchants earns 10X UNI$.
2. Contactless In-Store — 4 MPD
Contactless in-store payments (mobile wallets like Apple Pay and Google Pay) earn the bonus rate; quasi-cash and gambling MCCs stay excluded.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Contactless In-Store | All | Supermarkets, Uniqlo, Daiso, Guardian |
Tips to Maximize UOB Preferred Platinum Visa Rewards
- Tap with a mobile wallet for in-store spend — the bonus follows contactless, not the merchant
- Cap is S$600 per month per spend type (online and contactless counted separately)
- UNI$ convert at 2 miles per UNI$ — 10X UNI$ per S$5 block = 4 MPD
- Rewards are calculated per S$5 block; non-bonus MCCs on card-tap in-store earn base rate
Frequently Asked Questions
What is the UOB PPV earn rate?
10X UNI$ (4 MPD) on online spend at bonus MCCs and on contactless in-store payments. Other spend earns the base rate.
What is the cap?
S$600 per month per spend type — S$600 online plus S$600 contactless.
Do all in-store purchases earn 4 MPD?
Only contactless (mobile wallet) transactions. A chip-and-PIN card-tap earns base rate outside the bonus MCCs.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.