3 GIRO Transactions: 1. Monthly payments for the UOB ONE card itself (yes, GIRO payments from the ONE account for the ONE card counts as a valid GIRO transaction). You can apply for this via the UOB online banking website; the mobile app does not have this option. 2. Tax payments to IRAS . This assumes that you have some form of tax to pay (individual income tax, property tax, etc.) and that you pay it via GIRO on a monthly basis. 3. Insurance premiums . Most insurance premiums that require monthly payments have a GIRO option. 4. Utilities & telco bills . I do not recommend that you pay these bills via GIRO because you can usually pay them via credit card instead (and have them count towards the monthly $500 credit card spend). But, they are an option. $500 credit card spend, a minimum of 5 transactions: 1. Grab Pay top-ups . UOB will almost certainly exclude Grab Pay top-ups at some point in the near future, but as of now, Grab Pay top-ups are still included. 2. Monthly subscriptions - Netflix, Spotify, gym memberships, etc. 3. Utilities & telco bills . In particular, some providers allow you to "overpay" or pay for your bills in advance. This is useful for evening out your spend across different months. 4. Grocery or shopping vouchers , such as Takashimaya vouchers (no expiry dates), NTUC vouchers, etc.