What are the best expenditure categories to maximise the rewards of the UOB Platinum Preferred Card?

Hi Izz,

The UOB Preferred Platinum Card is an interesting card, as it's best rewards feature- the 4mpd for contactless payments, will allow you to earn rewards across different expenditure categories. As long as a merchant offers contactless payment, you can exploit the 4mpd rate! However, do keep in mind that the 4mpd rate is contingent on the merchant not being a SMART$ Merchant. A full list of SMART$ Merchants can be found here, so if you're looking to earn miles/UNI$, make sure to avoid using this card at these places!

You'll also get a 4mpd for most online transactions, if you're unsure if a merchant qualifies, you can check their merchant code and see if it qualifies here under (viii).

Do keep in mind that the 4mpd contactless payment rate does not include using SimplyGo to pay for public transport, SimplyGo transactions will be collated together at the end of the month and given the base rate of 0.4mpd.

Also, do make sure that you spend at least $5 when using this card, as UOB UNI$ is earnt in blocks of $5, hence anything less will not get you points.

In summary, the best way to maximise the rewards of this card is to use it whenever a merchant offers contactless payment, regardless of category. Shopping online using this card also offers pretty favourable rates, just ensure that the transaction is above $5.

Hope this helps!​​​