UOB Visa Signature Bonus MCC Categories
The UOB Visa Signature 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. Contactless Payments — 4 MPD
PayWave and contactless transactions earn 4 miles per dollar — includes most retail, dining, and shopping.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Contactless Payments | All | FairPrice, Cold Storage, Sheng Siong, Watsons, Guardian |
2. Overseas Spend — 4 MPD
All overseas transactions in foreign currency earn 4 miles per dollar.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Overseas Spend | All | Any overseas merchant |
Tips to Maximize UOB Visa Signature Rewards
- Use for contactless PayWave transactions to maximize 4 MPD
- Excellent for overseas travel — 4 MPD on all foreign currency spend
- Monthly cap applies on bonus rewards — check current terms
- Pair with UOB Lady's Card for category-specific bonuses
Frequently Asked Questions
What is the UOB Visa Signature earn rate?
UOB Visa Signature earns 4 MPD on contactless PayWave and overseas spend. Local non-contactless spend earns a base rate.
Does UOB Visa Signature have a cap?
Yes, there is a monthly cap on bonus rewards. Check the latest UOB terms for current cap amounts.
Last Updated: July 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.