UOB Payment Facility: Buy Miles at 1.6 to 1.8 Cents (2026 Guide & Promo)
UOB Payment Facility is currently having a promo until 31st May 2026 where UOB cardholders can buy miles from 1.6 to 1.8 cents each.
Like services like CardUp or ipaymy, UOB Payment Facility allows users to pay everyday expenses such as monthly bills, rent, taxes and other purchases with a service fee. Unlike those services, however, UOB Payment Facility does not require any invoice or documentation. The bank doesn’t even ask for the purpose of such funds, and credits money into your bank account which you can use for anything you desire.
How it works
| Step | Description |
|---|---|
| 1 | Cardholders just need to fill up a form with their card details, requested amount, and bank details. The requested amount plus the admin fee cannot exceed 95% of the cardholder’s available credit limit. |
| 2 | Outcome of application is done within 4 to 6 working days. Upon approval, the amount will be credited to the bank details provided. |
| 3 | The amount and fee will be charged to the cardholder’s selected card. |
Every S$5 approved earns UNI$2.5 (or 5 KrisFlyer miles for KrisFlyer UOB cards). This is equivalent to 1 mile per dollar approved.
For example, if I request for an amount of S$20,000, UOB will charge S$20,000 to my card as well as their admin fee, and credit S$20,000 to the account I have chosen. I will then receive UNI$10,000 which is equivalent to 20,000 miles.
Current UOB Payment Facility Promo (March to May 2026)
The admin fee depends on the card you use for the service, and until 31st May 2026 there is a reduced fee across the different cards:
| Card | Admin Fee (one-time payment) | Cost Per Mile |
|---|---|---|
 UOB Reserve | ||
 UOB Privilege Banking | ||
 UOB Visa Infinite | ||
 UOB PRVI Miles | ||
 KrisFlyer UOB | ||
| Other UOB Cards |
Having a lower fee will obviously decrease your cost per mile, and the fee is 1.80% under this promo for all UOB cards except for UOB Reserve which has the lowest fee of 1.6%. It’s a tough card to get, but Reserve cardholders can buy miles at 1.6 cents each.
The rest of us will be able to buy miles at 1.8 cents each.
Note that while there are 3-month and 12-month instalment options, the fees are significantly higher and are not discounted under the promo. This makes the cost per mile very expensive.
| Card | One-Time Payment | 3-Month Instalments | 12-Month Instalments |
|---|---|---|---|
UOB Reserve | 2.80% | 4.30% | |
UOB Privilege Banking | 3.00% | 4.50% | |
UOB Visa Infinite | 3.00% | 4.50% | |
UOB PRVI Miles | 3.10% | 4.60% | |
KrisFlyer UOB | 3.10% | 4.60% | |
| Other UOB Cards | 3.20% | 4.70% |
Is this a good deal?
Given how it is possible to buy miles at cheaper rates, 1.8 cents per mile is on the pricier side, though UOB Payment Facility does not require any documentation or any actual bill to be paid. This provides convenience compared to other services that typically require invoices and thus actual bills to be paid.
The service can thus be seen as a pure miles-buying tool instead of a payment service, and can hence be very useful for those who just want a small amount of UNI$ or KrisFlyer miles for their next redemption, or even for those who want to get a lot more miles without having much fuss and willing to pay the fee UOB charges.
At 1.6 or 1.8 cents per mile, here are what some destinations would cost on Singapore Airlines’ business class:
| Destination | Miles Required | Cost at 1.6¢ Per Mile | Cost at 1.8¢ Per Mile |
|---|---|---|---|
| Thailand / Vietnam (Spontaneous Escapes) | 35,000 | S$560 | S$630 |
| Japan (Saver Award) | 109,000 | S$1,744 | S$1,962 |
| Europe (Saver Award) | 217,000 | S$3,472 | S$3,906 |
Getting UNI$ versus KrisFlyer miles
You can also choose between getting UNI$ or KrisFlyer miles directly, depending on which is more suitable for you.
UNI$ can be transferred to either KrisFlyer or Asia Miles, giving cardholders a choice of frequent flyer programme. There is a conversion fee of S$27 payable (waived for UOB Reserve, UOB Visa Infinite, and UOB Privilege Banking cardholders), but this could prove quite useful for those who already have UNI$ and are trying to hit the next conversion block.
For instance, a cardholder may already have UNI$24,000. Since they can only convert in blocks of UNI$5,000, they may find it useful to use UOB Payment Facility to purchase UNI$1,000 so they can convert all UNI$25,000 leaving no points behind.
Those with KrisFlyer UOB Credit Card can opt to use that card instead, getting their miles directly in their KrisFlyer account with no conversion fees to be paid.
Does not count towards minimum spending
Amounts charged to UOB Payment Facility do not count towards the minimum spending requirements of things like sign-up promos.
Terms and conditions apply
See terms and conditions below:
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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When will the Uni$ be credited?