You Can Offset FavePay Purchases With UOB UNI$… But Just Say No

Fave and UOB have recently tied up to let you use your UOB UNI$ to offset your FavePay purchases. More ways to use your points are always welcomed, but not if you are getting a poor redemption value out of it. Unfortunately, poor redemption value is exactly what you get when you use your UNI$ on FavePay.

Linking your UNI$ to your FavePay process is straightforward enough; just tap on the button on the Me tab and follow the on-screen instructions. Despite a few failed attempts I managed to complete the process in under a minute. After that, I was immediately presented with a very unflattering view of how much my UNI$ are worth.

Same energy as lowballers on Carousell

How much is one UNI$?

I’m not someone who overvalues miles – in fact many mile enthusiasts might probably think I undervalue them – but this is a rock-bottom valuation. Using your UNI$ in Fave values them at a mere 1 cent each. Considering each UNI$ is convertible to 2 miles, you are giving up each mile for 0.5 cents which is really poor value.


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It’s even worse than offsetting your UOB card statement with UNI$, which has the advantage of letting you earn UNI$ on your purchase. When you spend $100 and offset it via UOB’s rewards portal, you at least earn card rewards on the $100 you have spent. On top of that, you can easily get 1.15 cents per UNI$ if you redeem your rebate in blocks of $100.

In any case, people who collect UNI$ aren’t gunning for cashback in the first place. The 4 mpd UOB Preferred Platinum Visa or UOB Visa Signature cards become 2.3% cashback cards at best… not really anywhere their optimal use cases, and easily beaten by the variety of cashback cards out there in the market. UNI$ are best used for miles and those with a taste for business class flights.


If you have a few UNI$ left in your account and have no plans to collect any more for mile conversion (which is the whole point of UNI$), perhaps this is good to get rid of whatever remaining UNI$ you have left.

For everyone else, and perhaps I am preaching to the choir, save your UNI$ for mile redemption.

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