UOB is the first Singapore bank to offer a cross-border rewards redemption feature for its credit cardholders. Starting 29 September 2025, eligible UOB cardholders can use their UNI$ rewards points to pay instantly at over 150 participating merchants in Johor, Malaysia. Whether you’re traveling, shopping, dining, or exploring just across the Causeway, this new feature adds convenience and value for everyone including frequent travelers and families planning weekend getaways or day trips.
UOB’s Cross-Border UNI$ Redemption and Exclusive Perks
Eligible Singapore-issued UOB credit cardholders can now enjoy a seamless cross-border rewards experience in Johor, Malaysia. They can redeem UNI$ points instantly at over 150 participating merchants, including popular F&B outlets such as Din Tai Fung, Oriental Kopi, Haidilao, and retail stores like Subway, Jean Yip, and MOG Eyewear. UNI$ points are converted at UNI$500 = S$5, or the equivalent in Malaysian Ringgit, and eligible cards include the UOB Lady’s Card, PRVI Miles Credit Card, UOB Visa Signature Credit Card, and other qualifying UOB credit cards.
To make spending even more rewarding, UOB is offering exclusive perks for cardholders:
Dining promotions at participating F&B outlets in Johor
RM5 Grab rides discount within Johor
Up to 25% off hotel bookings via Unravel
Enhanced cashback of 10% on the UOB EVOL Credit Card and 3% on the FX+ Debit Card, on top of existing 0% FX fees
This combined offering allows cardholders whether individuals, groups of friends, or families to enjoy instant rewards, savings, and convenience while exploring Johor. From dining and shopping to travel, the feature ensures that every trip across the Causeway provides greater value and flexibility.
Why This Matters
UOB’s data shows growing cross-border consumer spending:
Singapore UOB cardholders spent nearly 15% more overseas in the first half of 2025 compared to the same period in 2024.
Spending in Malaysia increased by 20%, with Johor accounting for almost 50% of total Malaysian spending.
While the average transaction size in Johor has slightly decreased, the number of transactions has more than tripled from 2022 to 2024, indicating more frequent trips and lower-ticket purchases.
Dining is the top spending category (15% of billings), followed by supermarkets (10%) and apparel (9%).
This means that users including families taking trips across the Causeway can enjoy frequent small purchases, whether for meals, groceries, or shopping, while stretching their UNI$ rewards points further. Families can particularly benefit from dining and shopping deals while managing budgets on multi-person trips.
How to Use UNI$ in Johor
Check Card Eligibility: Ensure your UOB credit card is enrolled in UNI$ rewards.
Visit Participating Merchants: Look for merchants frequently visited by Singaporeans.
Redeem at Checkout: Inform the cashier that you want to use UNI$ to offset your bill.
Confirm Redemption: The equivalent amount will be applied immediately, simplifying cross-border payments.
Further details on participating merchants, usage offers, and UNI$ redemption can be found at: go.uob.com/JBdeals
UOB’s cross-border UNI$ redemption feature marks a new phase in seamless ASEAN banking experiences. For Singapore cardholders of all kinds whether individuals, groups of friends, or families, it simplifies cross-border spending, maximizes rewards, and enhances the value of trips to Johor. With dining, shopping, and travel perks all in one, UOB’s borderless rewards ecosystem provides flexibility, convenience, and savings for every trip across the Causeway.
All images credit to UOB
