UOB Pay With UNI$
Introducing UOB Pay With UNI$, a seamless digital payment and rewards redemption program that allows you to use your UNI$ to offset bills and purchases instantly at key utility and e-commerce platforms anytime, anywhere.
How To Use

Kris+
You can now convert your UNI$ to KrisPay miles instantly anytime, anywhere, starting from as little as UNI$1,000 via the Kris+ app!
Here’s how
Terms and conditions
UOB Mighty App is required for authentication to proceed with the points conversion. Top ups of KrisPay miles into the KrisPay wallet pursuant to conversion from UNI$ are non-reversible. Kris+ terms and conditions apply. UOB Rewards terms and conditions apply.

SP Utilities
You can now use your UNI$ to offset your SP Utilities bill instantly via the SP Utilities App. UNI$500 = S$5
Here’s how
Terms and conditions
UOB Mighty App is required for authentication to proceed with the UNI$ redemption. For every S$10 of your bill, only S$5 worth of UNI$ can be redeemed. Conversions must be done in blocks of UNI$500. UOB Rewards and SP Utilities app terms and conditions apply.

UOB Apple Rewards Store
You can now use your UNI$ to offset your purchases of any Apple products instantly via the UOB Apple Rewards Store! UNI$100 converts into S$1*. Alternatively, you can also enjoy 0% interest monthly instalments for up to 12 months+.
Find out more
Exclusive Launch Promotion
S$50 off with minimum spend of S$500^
Promo code: UOB50
Terms and conditions
*UNI$ redemption is not available to offset purchases using 0% Instalment Payment Plan. UNI$ redemption terms and conditions apply here.
^S$50 off promotion is valid till 28 February 2021 limited to the first 300 customers. Payment must be made with a UOB MasterCard/Visa Credit Card. UOB MasterCard/Visa cardmember is entitled to S$50 off from purchase of any items at UOB Apple Rewards Store subject to minimum total spend of S$500 per transaction. This offer is limited to one transaction per customer. Customer must enter the promo code UOB50 to get the offer. UOB Online Privileges' General Terms and Conditions apply. +UOB 0% Instalment Payment Plan terms and conditions apply here.
UOB Mighty
UOB Mighty is required for authentication to proceed with the points conversion via Kris+ and SP Utilities apps. Download UOB Mighty now to bank, pay and play 24/7 anytime, anywhere.
Here’s how you can get started and enjoy the benefits of UOB Mighty with your UOB Card.
HOW TO SET UP MIGHTY
HOW TO SET UP MIGHTY SECURE
HOW TO REDEEM YOUR UNI$ ON UOB MIGHTY
HOW TO REDEEM MIGHTY COUPONS ON UOB MIGHTY
For more Mighty step by step guides and latest UOB Mighty promotions, click here.
FAQs
UOB Credit Cardmembers can now use UNI$ to instantly offset their bill or convert into partner points via our partners’ mobile apps and the UOB Apple Rewards Store.
For Kris+ and SP Utilities: You must be both a user of UOB Mighty mobile banking app and our partners’ mobile apps. Simply access our partners’ mobile apps to do the redemption. For more details, click to view our partners listed above.
For UOB Apple Rewards Store: Simply access the UOB Apple Rewards Store and login to your UOB Apple Rewards Store account to check out. During check out key in your UOB Visa or Mastercard to access UNI$ redemption screen. You may then select the amount of UNI$ you wish to offset your bill. The remaining balance will be charge to your selected Card.
No. This feature is only available via our partners’ mobile apps and the UOB Apple Rewards Store.
No, UNI$ redeemed are strictly not refundable.
You may download UOB Mighty mobile banking app via App Store, Google Play and Huawei AppGallery. Click here for more information.