Singaporeans crossing into Johor will be able to redeem credit card rewards at the checkout, following UOB’s launch of a new cross-border feature.
From today, UOB credit cardholders can use their UNI$ points to offset purchases at more than 150 outlets in Johor.
The bank is said to be the first in Singapore to offer this capability, which comes amid rising travel and spending between the two neighbours.
Visitor arrivals from Singapore to Malaysia rose more than 22 percent in the first half of 2025 compared with a year earlier.
UOB data shows that card spending in Malaysia has grown about 40 percent annually between 2022 and 2024, with another 20 percent increase in the first half of 2025.
Johor remains the top destination, making up nearly half of all spending in Malaysia during this period.
Dining accounted for about 15 percent of card spending in Johor in the first half of 2025, while supermarkets and apparel followed at 10 percent and 9 percent respectively.
Cardholders can redeem UNI$ at a rate of UNI$500 for S$5, or the equivalent in Malaysian Ringgit, at merchants such as Subway, Jean Yip and MOG Eyewear.
Extra promotions include dining offers at Din Tai Fung, Oriental Kopi and Haidilao, RM5 off Grab rides in Johor and 25 percent off hotel bookings through Unravel.
The new redemption feature builds on UOB’s wider cross-border offerings, such as the PRVI Miles and EVOL cards, the FX+ debit card with 0 percent foreign exchange fees, and Duitnow QR payments in Malaysia.
Customers also have access to regional privileges through its UOB TMRW digital platform, including the Rewards+ programme that curates local and regional deals.
Jacquelyn Tan, Head of Group Personal Financial Services at UOB, said,
“Leveraging the bank’s strong presence in Malaysia, our new rewards capability opens a fresh avenue for our customers to stretch their rewards and experience greater value deals as they cross the border.
This marks the next phase of our goal to create a borderless rewards ecosystem, providing our ASEAN customers with more choices, enhanced flexibility and greater value in how they spend, earn and redeem rewards overseas.”
Featured image: Edited by Fintech News Singapore, based on image by rawpixel.com via Freepik
