TERMS AND CONDITIONS GOVERNING KRISFLYER UNITED OVERSEAS BANK LIMITED (“UOB”) CREDIT CARD

United Overseas Bank Limited Co. Reg. No. 193500026Z

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TERMS AND CONDITIONS GOVERNING KRISFLYER UNITED OVERSEAS BANK LIMITED

(“UOB”) CREDIT CARD

This document sets out the general terms and conditions governing the KrisFlyer UOB

Credit Card issued by us (“Card” or “KrisFlyer UOB Credit Card”) which we may

provide to you from time to time. By applying for or using the Card, you are deemed

to have agreed to be bound by these terms and conditions (“Terms”) as a holder of

the Card (“Cardmember”). It is therefore important that you read and understand

these Terms.

These Terms supplement, are additional to and are to be read together with the

prevailing term and conditions under the UOB Cardmembers Agreement and the

terms and conditions of any other document or agreement governing your

relationship with us (collectively, the “Other Terms”), in each case, as may be

amended and/or supplemented from time to time. If there is any conflict or

inconsistency between these Terms and the Other Terms, these Terms shall prevail to

the extent that it relates to the Card.

KRISFLYER UOB CREDIT CARD

1. KrisFlyer miles

1.1 6 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent

(equivalent to 1.2 KrisFlyer miles per Singapore Dollar) on each Card

Transaction (excluding Singapore Airlines Group Related Card Transactions

and Kris+ Transactions) that is successfully charged and posted to your Card

in a calendar month (“Base Miles”).

1.2 15 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent

(equivalent to 3 KrisFlyer miles per Singapore Dollar) on each Singapore

Airlines Group Related Card Transaction that is successfully charged and

posted to your Card in a calendar month (“Singapore Airlines Miles”).

1.3 15 KrisFlyer miles will be awarded for every Singapore Five Dollars (S$5) spent

(equivalent to 3 KrisFlyer miles per Singapore Dollar) on each Kris+ Card

Transaction that is successfully charged and posted to your Card in a calendar

month (“Kris+ Miles”).

1.4 Base Miles, Singapore Airlines Miles and Kris+ Miles earned will be calculated

at the end of each calendar month and will be automatically credited to your

KrisFlyer membership account that is linked to your Card. KrisFlyer miles are

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solely for your benefit and will only be credited to your own individual KrisFlyer

membership account bearing your own name.

1.5 An additional 9 KrisFlyer miles will be awarded for every Singapore Five

Dollars (S$5) spent (equivalent to 1.8 KrisFlyer miles per dollar) (“Accelerated

Miles”) on Dining, Online Shopping, Online Travel and Transport Card

Transactions with a minimum required sum of Singapore Eight Hundred

Dollars (S$800) on Singapore Airlines Group Related Card Transactions

charged to your Card in a Card Membership Year (“Condition”). For avoidance

of doubt, Accelerated Miles earned will be awarded within two (2) months

after the annual fee is posted and it will be automatically credited to your

KrisFlyer membership account that is linked to your Card in the following

month after the Accelerated Miles have been awarded. Expedition of

Accelerated Miles is not allowed. Kris+ Card Transactions do not contribute to

the Condition.

Note:

This Clause 1.5 has been revised. With effect from 1 November 2022, the

minimum annual spend condition for Singapore Airlines Group Related

Transactions charged to your KrisFlyer UOB Credit Card will be Singapore

Eight Hundred Dollars (S$800). This revised condition will be applicable for

Card Membership Year ending April 2023 onwards.

Existing and new KrisFlyer UOB Credit Cardmembers whose Card Membership

Year ends:

• between April 2021 and August 2022 will require minimum annual

spend of Singapore Three Hundred Dollars (S$300) on Singapore

Airlines Group Related Card Transactions charged to their Card in a

Card Membership Year to earn the Accelerated Miles.

• between September 2022 and March 2023 will require minimum annual

spend of Singapore Five Hundred Dollars (S$500) on Singapore Airlines

Group Related Card Transactions charged to their Card in a Card

Membership Year to earn the Accelerated Miles.

1.6 In summary, the benefits in Clauses 1.1 to 1.5 above are set out in the table

below:

KrisFlyer Miles earned

per S$5 spent

Accelerated Miles

earned upon fulfilment

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of the conditions set

out in Clause 1.5

All other spend

6 KrisFlyer miles

(equivalent to 1.2

KrisFlyer miles per

Singapore Dollar)

-

Dining, Online

Shopping, Online

Travel and Transport

Card Transactions

6 KrisFlyer miles

(equivalent to 1.2

KrisFlyer miles per

Singapore Dollar)

Additional 9 KrisFlyer

miles

(equivalent to 1.8

KrisFlyer miles per

dollar)

Singapore Airlines

Group Related Card

Transactions

15 KrisFlyer miles

(equivalent to 3

KrisFlyer miles per

Singapore Dollar)

-

Kris+ Card

Transactions

15 KrisFlyer miles

(equivalent to 3

KrisFlyer miles per

Singapore Dollar)

-

1.7 The spend on the supplementary Card(s) will be accrued to the principal Card

and form part of that qualifying spend by the principal Card.

Exclusion

1.8 KrisFlyer miles will not be awarded for NETS and NETS-related transactions,

0% Installment Payment Plans, SmartPay, personal loan, balance/funds

transfers, cash advances, fees, interests, finance charges, late payment

charges, annual fee charges, amounts approved under the UOB Payment

Facility and any associated fees or charges (w.e.f. 10 Feb 2023), reversals,

transactions relating to top-ups of any pre-paid card and brokerage /

securities, any gambling related transactions, any trading transactions

(including but not limited to websites for trading of shares and cryptocurrency),

other financial charges and any other transactions we may exclude from time

to time without prior notice.

1.9 KrisFlyer miles will not be awarded for transactions bearing the following

Merchant Category Codes (“MCC”):

MCC

Description

4829

Wire Transfer / Remittance (wef 16 March 2020)

4900

Utilities (with effect from 1 August 2022)

5199

Nondurable Goods (wef 16 March 2020)

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5960

Direct Marketing – Insurance Services (wef 16 March 2020)

5965

Direct marketing – Combination Catalog and Retail Merchants

(wef 1 October 2024)

5993

Cigar Stores and Stands (wef 1 October 2024)

6012

Member Financial Institution – Merchandise and Services

6050

Quasi Cash – Financial Institutions, Merchandise and Services (wef

16 March 2020)

6051

Quasi Cash – Merchant (Non-Financial Institutions – Foreign

Currency, Non-Fiat Currency, Cryptocurrency) (wef 16 March 2020)

6211

Securities – Brokers and Dealers

6300

Insurance Sales / Underwrite

6399

Insurance

6513

Real Estate Agents & Managers – Rentals (wef 16 March 2020)

6529

Quasi Cash – Remote Stored Value Load-Financial Institute Rentals

(wef 16 March 2020)

6530

Quasi Cash-Remote Stored Value Load – Merchant Rentals (wef 16

March 2020)

6534

Quasi Cash – Remote Money Transfers (wef 16 March 2020)

6540

Stored Value Card Purchase/Load

7349

Clean/Maint/Janitorial Serv aka Property Management (wef 16

March 2020)

7511

Quasi Cash – Truck Stop Trxns (wef 16 March 2020)

7523

Automobile Parking Lots and Garages (wef 1 February 2021)

7995

Gambling – Betting, including Lottery Tickets, Casino Gaming

Chips, Off-Track Betting, and Wagers at Race Tracks

8062

Hospitals (wef 1 February 2021)

8011

Doctors–not elsewhere classified (wef 1 August 2022)

8099

Health Practitioners, Medical Services – Not Classified Elsewhere

(wef 1 August 2022)

8211

Schools, Elementary and Secondary

8220

Colleges, Universities, Professional Schools and Junior Colleges

8241

Schools, Correspondence

8244

Schools, Business and Secretarial

8249

Schools, Trade and Vocational

8299

Schools and Educational Services – Not Elsewhere Classified

8398

Organizations, Charitable and Social Service

8651

Organizations, Political

8661

Organizations, Religious

8699

Membership Organizations (Not Elsewhere Classified) (wef 1

October 2024)

8999

Professional Services (Not Elsewhere Classified) (wef 1 October

2024)

9211

Court Costs including Alimony and Child Support

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9222

Fines

9223

Bail and Bond Payments

9311

Tax Payment

9399

Government Services – not elsewhere classified

9402

Postal Services – Government Only

9405

Intra-Government Purchases – Government Only

1.10 Please note that a merchant’s registered MCC may not always correspond

with its nature of business. The MCCs are assigned by the merchant’s acquiring

bank. UOB does not determine the merchants’ MCC. UOB shall not be liable in

any way whatsoever relating to the categorisation of a merchant’s MCC.

1.11 KrisFlyer miles will not be awarded for transactions made at:

• UOB$ merchants (list of UOB$ merchants available at

uob.com.sg/rewardsplus); and

• SPC Service Stations.

1.12 You will not earn KrisFlyer miles for transactions with the following transaction

descriptions:

• AXS*

• AMAZE* (wef 1 October 2024)

• AMAZE* TRANSIT* (wef 1 March

2022)

• BANC DE BINARY*

• BANCDEBINARY.COM*

• EZ LINK PTE LTD (FEVO)

• EZ Link transport

• EZ Link*

• EZ-LINK (IMAGINE CARD)

• EZ-Link EZ-Reload (ATU)

• EZLINK*

• EzLink*

• EZ-LINK*

• FlashPay ATU*

• MB * MONEYBOOKERS.COM

• NETS VCASHCARD*

• NORWDS* (wef 21 July 2024)

• OANDA ASIA PAC*

• OANDAASIAPA

• PAYPAL * BIZCONSULTA

• PAYPAL * CAPITALROYA

• PAYPAL * OANDAASIAPA

• PAYPAL* PLUS500

• PAYPAL* PLUS500.COM

• Saxo Cap Mkts Pte Ltd

• SKR*SKRILL.COM

• SKR*xglobalmarkets.com*

• SKYFX.COM*

• TRANSIT*

• WWW.IGMARKETS.COM.SG

• City Index*

• YOUTRIP*

• IPAYMY* (wef 1 August 2022)

• RWS-LEVY* (wef 1 August 2022)

• SMOOVE PAY* (wef 1 August

2022)

• SINGPOST-SAM* (wef 1 August

2022)

• RazerPay* (wef 1 August 2022)

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1.13 We reserve the right at any time and from time to time at its sole and absolute

discretion to vary, amend, add or delete the above lists of transactions which

KrisFlyer miles will not be awarded for, without giving any reason or prior

notice or assuming any liability to you, and you shall be bound by these

amendments.

Crediting of KrisFlyer Miles

1.14 KrisFlyer miles will be awarded based on every Singapore Five Dollars (S$5)

spent on a per Card Transaction basis.

1.15 Any calculation or determination by us of the amount of KrisFlyer miles to be

awarded, is in the absence of manifest error, final and conclusive evidence of

the matters to which it relates.

1.16 KrisFlyer miles earned will be reflected in the monthly Card statement.

1.17 KrisFlyer miles earned cannot be:

(i) converted to or exchanged for cash;

(ii) transferred or paid to any person in any manner whatsoever; or

(iii) used to settle or pay any other liability of any person whatsoever.

1.18 Once KrisFlyer miles are credited to your KrisFlyer membership account, they

are governed by the terms and conditions of the KrisFlyer programme.

Redemption and use of KrisFlyer miles through KrisFlyer programme are

governed by the terms and conditions of the KrisFlyer Programme.

Membership of KrisFlyer Programme

1.19 To earn KrisFlyer miles, you must be a member of the KrisFlyer programme.

Participation in the KrisFlyer programme is subject to the KrisFlyer terms and

conditions. The latest KrisFlyer terms and conditions is available at

singaporeair.com

2. Fast Track to KrisFlyer Elite Silver Status

2.1 Cardmembers, with card opened date between 23 April 2019 to 30 April 2021

(both dates inclusive), who meet a minimum Singapore Five Thousand Dollars

(S$5,000) Singapore Airlines Group Related Card Transaction on the Card

within the first Card Membership Year, will be upgraded to the KrisFlyer Elite

Silver membership tier within six (6) weeks from the last calendar month of the

first Card Membership Year.

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2.2 Cardmembers, with card opened date between 1 May 2021 to 30 April 2022

(both dates inclusive), who meet (a) a minimum Singapore Five Thousand

Dollars (S$5,000) Singapore Airlines Group Related Card Transaction OR (b) a

minimum Singapore Fifty Thousand Dollars (S$50,000) total eligible spend on

the Card within the first Card Membership Year, will be upgraded to the

KrisFlyer Elite Silver membership tier within six (6) weeks from the last calendar

month of the first Card Membership Year. For the purposes of this clause,

“total eligible spend” means all transactions (whether processed inside or

outside of Singapore and/or effected in a foreign or local currency), including

instalment payment plans, which are successfully captured and posted to your

Card Account BUT shall exclude the excluded transactions listed under the

Exclusion section in Clauses 1.9 to 1.13 above.

2.3 Cardmembers, with card opened date from 1 May 2022, who meet a minimum

Singapore Five Thousand Dollars (S$5,000) Singapore Airlines Group Related

Card Transaction on the Card within the first Card Membership Year, will be

upgraded to the KrisFlyer Elite Silver membership tier within six (6) weeks from

the last calendar month of the first Card Membership Year.

2.4 The benefits in this Clause 2 will not be applicable to Cardmembers who are

existing KrisFlyer Elite Silver, Elite Gold or PPS Club members. The Elite Silver

status is valid for one (1) year from date of upgrade only. Requalification is

based on standard requalification terms under the KrisFlyer programme.

3. Welcome Miles

3.1 With effect from 15 July 2019, new first time applicants of the KrisFlyer UOB

Credit Card who are approved as Cardmembers on or after 15 July 2019 will

receive 3,000 KrisFlyer miles (the “Welcome Miles”) when a single Card

Transaction of at least Singapore Five Dollars (S$5) is successfully charged to

his/her KrisFlyer UOB Credit Card.

3.2 From 1 November 2022, new first time applicants of the KrisFlyer UOB Credit

Card who are approved as Cardmembers on or after 1 November 2022 will

receive 5,000 KrisFlyer miles (the “Welcome Miles”) when a single Card

Transaction of at least Singapore Five Dollars (S$5) is successfully charged to

his/her KrisFlyer UOB Credit Card.

3.3 The Welcome Miles will be automatically credited directly into the eligible

Cardmember’s KrisFlyer membership account which is successfully linked to

his/her KrisFlyer UOB Credit Card in the following month after such Card

Transaction is made.

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3.4 Only new first time applicants of the KrisFlyer UOB Credit Card who are

approved as Cardmembers on or after 15 July 2019 are eligible for the

Welcome Miles. All other persons (including existing Cardmembers who were

approved as Cardmembers before 15 July 2019, Cardmembers who have

previously been awarded the Welcome Miles and former Cardmembers who

have cancelled their KrisFlyer UOB Credit Card) will not be eligible for the

Welcome Miles.

3.5 The benefits under this Clauses 3.1 to 3.4 above are governed by and subject

to the applicable Kris+ terms and condition and KrisFlyer terms and conditions.

4. Privileges on Scoot

Complimentary Priority Check-in and Boarding for Scoot Flights

4.1 A Principal Cardmember and each member of his/her travelling party will enjoy

complimentary priority check-in and boarding benefits for flights on Scoot,

provided that the Principal Cardmember is in the travelling party and payment

for the flight of the travelling party was made on the Principal Cardmember’s

Card in the same booking through the dedicated site.

Complimentary Additional Baggage Allowance for Scoot Flights

4.2 If a Principal Cardmember purchases a minimum of twenty kilograms (20kg)

baggage fare bundle at the initial point of purchase of his/her flight on Scoot

not less than 24 hours before departure, the Principal Cardmember will enjoy

a complimentary five kilograms (5kg) upgrade for baggage via an email

notification thereafter. Payment for such flight must be made on the Principal

Cardmember’s Card through the dedicated site. For the avoidance of doubt,

this benefit applies to the Principal Cardmember only, and does not extend to

other member(s) of his/her travelling party, even if payment for the flight of

the Principal Cardmember’s travelling party was made on the Principal

Cardmember’s Card in the same booking. This benefit does not apply if the

baggage fare bundle is added on after the initial purchase, even if payment

for such subsequent add-on was made on the Principal Cardmember’s Card

for the same flight itinerary.

Complimentary Standard Seat Selection for Scoot Flights

4.3 A Principal Cardmember and each member of his/her travelling party will enjoy

complimentary standard seat selection for flights on Scoot, provided that the

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Principal Cardmember is in the travelling party and payment for the flight of

the travelling party was made on the Principal Cardmember’s Card in the same

booking through the dedicated site. For the avoidance of doubt, this benefit

does not apply to specific standard seats. If non-eligible standard seats are

selected, full price(s) for such seat(s) will apply.

4.4 The benefits under this Clause 4 are governed by and subject to the applicable

Scoot terms and conditions. Benefits are only applicable at the initial point of

purchase of flight, and does not apply if they are added on subsequently, even

if subsequent payments are made with a qualified Principal Cardmember’s

Card.

5. Privileges on KrisShop

S$20 off Purchases on KrisShop

5.1 You will enjoy Singapore Twenty Dollars (S$20) off regular-priced items on

your KrisShop purchases with a minimum spend of Singapore One Hundred

and Twenty Dollars (S$120) nett (after applicable discounts, before shipping

and taxes) in a single transaction. You are entitled to receive the Singapore

Twenty Dollars (S$20) off regular-priced items on your KrisShop purchases

only once (1) every calendar year.

5.2 With effect from 1 Jan 2024, you will need to enter the promotion code

“KFUOBKS2024” during check out at KrisShop.com to enjoy the Singapore

Twenty Dollars (S$20) off regular-priced items with a minimum spend of

Singapore One Hundred and Twenty Dollars (S$120) nett (after applicable

discounts, before shipping and taxes), subject to brand exclusions.

KrisShopper Complimentary Tier Upgrade

5.3 Cardmembers who are new to KrisShopper loyalty programme will qualify for

a complimentary tier upgrade to KrisShopper Insider.

5.4 Cardmembers are required to fill up the KrisShopper Registration Form

available at www.krisshop.com/krisshopperuob to be eligible for the

respective complimentary KrisShopper loyalty programme tier upgrades.

Cardmembers will be upgraded within three (3) months from the month of

sign-up.

5.5 The complimentary KrisShopper loyalty programme tier upgrade to

KrisShopper Insider (as the case may be) is valid for a period of twelve (12)

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months from date of award. At the end of the loyalty tier upgrade period, if

Cardmembers have not achieved the applicable spend requirements for their

loyalty tier, they will be downgraded to the relevant membership tier.

5.6 Cardmembers, who are KrisShopper Insider, will earn 5.5 KrisFlyer miles for

every Singapore One Dollar (S$1) spent on all KrisShop purchases made

inflight on Singapore Airlines and on KrisShop.com using their Card, where:

a) 15 KrisFlyer miles for every Singapore Five Dollar (S$5) spent (equivalent

to 3 KrisFlyer miles per Singapore Dollar) will be awarded by UOB in

accordance with Clauses 1.3 and 1.4 above,

b) In the case where Cardmembers are KrisShopper Insider, 2.5 KrisFlyer

miles for every Singapore One Dollar (S$1) spent will be awarded by

KrisShop.

5.7 For the 2.5 KrisFlyer miles for every Singapore One Dollar (S$1) spent that is

awarded by KrisShop, KrisFlyer miles will only be earned on the portion paid

with your Card (excluding taxes, delivery fees, import duties and postal

clearance charges), and not on any remaining portion of the purchase that is

redeemed using KrisFlyer miles.

5.8 The benefits under this Clause 5 are governed by and subject to the applicable

KrisShop terms and conditions at krisshop.com/en/page/kf-miles

6. Complimentary KrisFlyer miles validity extension

6.1 You (as Principal Cardmember) will enjoy a one-time complimentary 12-month

validity extension for up to 60,000 KrisFlyer miles which are earned on your

Card and/or (if applicable) your KrisFlyer UOB Debit Card between 1 January

2021 to 31 December 2021 (both dates inclusive) (“Eligible Miles”).

You may log in here to view your Eligible Miles expiring in the next six (6)

months.

6.2 To enjoy this benefit, please send an SMS within the 6-month period prior to

the expiry of your Eligible Miles (see Schedule in Clause 6.3 below), in the

format “MILESEXTENSION<space>Last 4 digits of Principal Card

number<space>10-digit KrisFlyer membership number<space>number of

Eligible Miles to extend” to 77862 using your mobile number in UOB’s records

(“SMS Request”).

6.3 You (as Principal Cardmember) are only permitted to submit a SMS Request up

to a maximum of two (2) times during the period from August 2023 to

December 2024 based on the Schedule stated below. You may, for each such

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SMS Request, consolidate the Eligible Miles to be extended in blocks up of to

six (6) months. For example, you may submit a SMS Request in January 2024

for all Eligible Miles that are expiring between January 2024 to June 2024, and

another SMS Request in Jul 2024 for all Eligible Miles that are expiring

between July 2024 to December 2024.

Example of SMS format:

Last 4 digits of

Principal Card

number

10-digit

KrisFlyer

membership

number

Number of

Eligible Miles

to extend

SMS format

8888

1234567890

60,000

MILESEXTENSION 8888

1234567890 60000

Schedule:

Month of Eligible

Miles earned

Month of Eligible

Miles expiry

Period to submit SMS Request

(both months inclusive)

January 2021

January 2024

August 2023 to January 2024

February 2021

February 2024

September 2023 to February 2024

March 2021

March 2024

October 2023 to March 2024

April 2021

April 2024

November 2023 to April 2024

May 2021

May 2024

December 2023 to May 2024

June 2021

June 2024

January 2024 to June 2024

July 2021

July 2024

February 2024 to July 2024

August 2021

August 2024

March 2024 to August 2024

September 2021

September 2024

April 2024 to September 2024

October 2021

October 2024

May 2024 to October 2024

November 2021

November 2024

June 2024 to November 2024

December 2021

December 2024

July 2024 to December 2024

6.4 The SMS Request will be processed within three (3) months from UOB’s receipt

of the SMS Request and you will be notified once the SMS Request is processed.

Any requests for expedited processing will not be permitted or entertained.

6.5 Eligible Miles that have been successfully extended will be valid for another

twelve (12) months from the date on which such Eligible Miles have been

successfully extended. For example, if Eligible Miles have been successfully

extended in April 2024, the new expiry date will be April 2025.

6.6 No further extension will be permitted for Eligible Miles which have expired for

any reason whatsoever (including, without limitation, any non-receipt of the

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SMS Request by UOB or any incomplete, inaccurate or invalid SMS Request

submitted to UOB).

6.7 Only Eligible Miles that are due for expiry in 2024 for the first time may be

extended under this benefit, subject to the terms of this Clause 6.

6.8 For the purposes of this Clause 6, only Principal Cardmembers are permitted

to submit a SMS Request in accordance with this Clause 6. Any request for

Eligible Miles extension must be made via SMS in the SMS Request format

prescribed in Clause 6.2 above. Any request for Eligible Miles extension that is

made or submitted via any other mode apart from SMS will not be processed,

entertained or accepted. Any incomplete or inaccurate SMS Request

submitted will not be processed and shall be automatically invalidated.

6.9 Sending and receiving SMS is dependent on a SMS vendor, an independent

telecommunication authority or service provider or such other third party

which is engaged by UOB and UOB shall not be responsible for any

undelivered, lost or delayed SMS sent and/or received by you. You shall pay

and be solely responsible for all fees and charges imposed by such vendors,

authorities, service providers or third parties for the sending and/or receipt of

any SMS.

6.10 For the avoidance of doubt, even if you hold both the KrisFlyer UOB Credit

Card and KrisFlyer UOB Debit Card as principal cardmember and/or primary

account holder, you are only entitled to a maximum of 2 SMS Requests (i.e.

extension for up to 60,000 KrisFlyer miles) in total.

6.11 The benefits under this Clause 6 are further subject to the applicable terms

and conditions of the KrisFlyer Programme.

7. Other Benefits and Privileges

2 x S$15 worth of Grab Rides to or from Changi Airport

7.1 You will enjoy two (2) Grab Promotion Codes (“Grab Promo Code”) worth

Singapore Fifteen Dollars (S$15) to or from Changi Airport with the promotion

code “KFUOBCC” in a calendar year. The Grab Promo Code may be used for

all Grab rides (except for GrabAssist Plus, GrabCar for Cyclists, GrabHitch,

GrabShare and GrabPet XL) made using the Grab mobile application and

which are charged to the Cardmember’s Card. The Cardmember’s Card must

be set as the primary payment method in the Grab mobile application in order

to use the Grab Promo Code. The Grab Promo Code may be redeemed once

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per half yearly (i.e Jan to Jun and Jul to Dec) and is limited to the first one

thousand (1,000) redemptions per month on a first-come-first-serve basis.

7.2 UOB reserves the right to update the applicable Grab rides from time to time

without prior notice.

2 x S$15 off ChangiWiFi

7.3 You will enjoy two (2) ChangiWiFi e-cash redemption code worth Singapore

Fifteen Dollars (S$15) in a calendar year. An e-redemption code will be issued

to a Cardmember when he/she SMSes “KFUOBCC<space>16-digit card

number” to 77862. The booking must be made at

www.changirecommends.com/owifi.aspx and payment must be made on the

Card at Changi Recommends counter. The ChangiWiFi e-cash redemption

code may be redeemed once per half yearly (i.e Jan to Jun and Jul to Dec) and

is limited to the first one thousand (1,000) redemptions per month on a first-

come-first-serve basis. Offer is subject to WiFi router availability.

The e-cash redemption code expires on 31 December 2024 (inclusive of the

date mentioned).

Renewal Fee Bonus

7.4 10,000 KrisFlyer miles will be awarded to your KrisFlyer membership account

within three (3) months after the full annual fee is posted and paid. If the

annual fee payment is subsequently reversed, either in full or partial and for

whatsoever reason, the 10,000 KrisFlyer miles awarded will be reversed upon

annual fee reversal. If the Cardmember’s KrisFlyer membership account does

not have sufficient KrisFlyer miles balance at the time we perform the reversal,

then notwithstanding the waiver, we will, impose the full annual fee on the

Cardmember’s account.

S$10 Kris+ Sign Up Bonus

7.5 From 1 August 2023 to 31 December 2024 (both dates inclusive) (“Campaign

Period”), a KrisFlyer member who resides in Singapore and has successfully

completed an Eligible Kris+ Sign Up (defined in Clause 7.5 below) during the

Campaign Period (“Participant”) shall receive 1,500 KrisPay miles (equivalent

to Singapore Ten Dollars (“S$10”)) (“Sign-Up Bonus Miles”).

7.6 For the purposes of these terms and conditions, an “Eligible Kris+ Sign Up” is

defined as follows:

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(a) when a KrisFlyer member logs into the Kris+ app for the first time, during

the Campaign Period, and successfully inputs the referral code KPUOB2324

when prompted with the referral code field during the first Kris+ login/Wallet

creation.

(b) Each new Kris+ user must successfully make a minimum payment of

Singapore Five Dollars (S$5) via Apple Pay or Google Pay

TM

via the payment

function in the Kris+ app at any Kris+ partner with Kris+ payment enabled, or

by purchasing a Kris+ in-app voucher.

7.7 The Sign-Up Bonus Miles will be awarded to each Participant who successfully

completes an Eligible Kris+ Sign-Up. The Sign-Up Bonus Miles shall be valid for

six (6) months from the date of credit, following which they shall expire and no

extensions will be permitted.

7.8 For the avoidance of doubt, any KrisFlyer member who has either logged in to

the Kris+ app outside of the Campaign Period or did not input the referral code

KPUOB2324 when he/she logs into the Kris+ app for the first time during the

Campaign Period will not be eligible for any Sign-Up Bonus Miles.

7.9 KrisPay miles credited into the Participant’s KrisPay account can only be used

within the Kris+ app and cannot be transferred into any KrisFlyer account.

KrisPay miles are also non-transferable to other Kris+ accounts and cannot be

exchanged for cash.

7.10 All decisions made by SIA in respect to any matter relating to the Sign-Up

Bonus Miles shall be final.

7.11 The benefits under this Clauses 7.5 to 7.10 above are governed by and subject

to the applicable Kris+ terms and conditions.

8.

Complimentary travel insurance

Cardmembers must charge the entire fare for travel on public

conveyance/transportation (limited to air, land or water conveyance which is

duly licensed for the regular transportation of fare-paying passengers but

shall exclude any hired or rental car or any conveyance operated for the

purpose of amusement or entertainment) in advance of the scheduled

departure time to their Cards to qualify for the complimentary travel insurance

(the “Travel Insurance”) which has the following benefits:

Travel Personal Accident Insurance of up to S$500,000

Covers accidental death or disablement whilst on public conveyance:

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• Singapore Five Hundred Thousand Dollars (S$500,000) for Cardmember.

Emergency Medical Evacuation and Repatriation

• Up to Singapore Fifty Thousand Dollars (S$50,000) for Cardmember.

The specific terms, conditions and exclusions applicable to this Travel

Insurance are set out in the Insurance Certificate and Agreement which is

the operative document. You should seek advice from a qualified adviser or

call the insurance firm directly if in doubt.

9. Fees for Foreign Currency Transactions and Transactions Processed Outside

Singapore

1

Transaction made in foreign currency:-

(a)

(i) Non-SGD, non-USD and non

AUD transaction;

The transaction will be converted

at the prevailing exchange rates

of the relevant credit card

company, first to USD, then to

SGD;

OR

(ii) USD or AUD transaction:

The transaction will be converted

to SGD at the prevailing exchange

rates of the relevant credit card

company;

(b)

Non-SGD transaction;

A foreign currency factor of 3.25%

on the amount converted will be

charged (out of which 1% will be

retained by Mastercard).

2

Transaction made in SGD and processed outside Singapore:-

SGD transaction processed

outside of Singapore

An International Processing fee of

1% of the transaction amount will

be levied.

10. Third Party Rights

Unless expressly stated so, a person who is not a party to these Terms has no

right under the Contracts (Rights of Third Parties) Act 2001 of Singapore to

enforce or enjoy the benefit of any of these Terms.

11. Applicable Law and Jurisdiction

11.1 These Terms are governed by and will be interpreted according to the laws of

Singapore. You agree to irrevocably submit to the exclusive jurisdiction of the

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courts of Singapore which means that legal proceedings against us can only

be brought in the courts of Singapore and no other unless we expressly agree

otherwise in writing. You agree not to enforce any judgment or order made by

the courts of Singapore against any of our branches overseas. This clause

does not limit our right to bring legal proceedings in any country and to take

concurrent legal proceedings in more than one country.

11.2 Without prejudice to any other provision in these Terms, any sum payable by

or due from us under any KrisFlyer UOB Credit Card or any type of document

whatsoever shall be payable solely and exclusively by and at our branch from

which payment of the sum is due and shall be governed exclusively by the laws

of the country where such branch is located unless we agree otherwise in

writing.

11.3 You can only bring a proceeding against us for the recovery of any sum

claimed or any payment obligation allegedly due from us solely and

exclusively in the courts of the country where such branch is located unless

expressly agreed otherwise in writing, and any judgment or order made

against us by the courts of that country cannot be enforced or executed

against us in a different country.

11.4 You agree not to bring any action against us in connection with any KrisFlyer

UOB Credit Card if more than one year has passed after the cause of action

has arisen.

11.5 We may take all actions we consider appropriate in order for us to meet any

obligation or requirement, either in Singapore or elsewhere in the world, in

connection with the prevention of any unlawful activity including fraud, money

laundering, terrorist activity, bribery, corruption, or tax evasion or the

enforcement of any economic or trade sanction. The actions we may take

include closing your KrisFlyer UOB Credit Card and terminating all Services and

making such reports and taking such actions we may deem appropriate.

12. General

12.1 No UNI$ will be awarded for all transactions made with the Card. For spend

at UOB$ merchants, the Card will only earn UOB$ but not KrisFlyer miles.

12.2 These Terms supplement, are to be read together with and form an integral

part of the UOB Cardmembers Agreement. Full terms and conditions of the

UOB Cardmember Agreement (uob.com.sg) and UOB Rewards

(uob.com.sg/rewards) will apply, and Cardmembers agree to be bound by

such terms and conditions upon receipt or acceptance of or signing on or use

of the Cards. These Terms shall prevail in relation to any matter concerning the

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Card. These Terms shall prevail over any advertising, promotional, publicity,

brochure, marketing or other materials relating to or in connection with the

Card.

12.3 UOB reserves the right, at its sole and absolute discretion and at any time and

without giving prior notice or any reason, to vary, amend, add or delete any of

these Terms without assuming any liability to any person. Cardmembers who

continue to use the Card after the change takes effect shall be deemed to

have accepted the change without reservation.

12.4 We reserve the right to reject any request for KrisFlyer miles adjustment in its

sole and absolute discretion without assigning any reason therefor and is not

obliged to enter into any correspondence with you concerning such

adjustments.

12.5 Adjustments will be made to the KrisFlyer miles if there is any unposted, voided,

cancelled, disputed and/or reversed transaction including those arising from

returned goods or services, billing disputes, or any other reason at our sole

and absolute discretion.

12.6 Should your spending be deemed to be for commercial and/or non-personal

purposes, we reserve the right to refuse to award any KrisFlyer miles for such

transactions. We reserve the right to cancel and void or clawback any

KrisFlyer miles awarded at any time if we deem that such KrisFlyer miles was

not earned from qualifying spend and you shall not be entitled to any

compensation or payment whatsoever.

12.7 To earn and receive KrisFlyer miles, your KrisFlyer UOB Credit Card must be

valid, subsisting and in good standing at all times as determined by us and

cannot be cancelled/closed for any reason. In the event that your KrisFlyer

UOB Credit is delinquent, voluntarily or involuntarily closed or terminated or

suspended for any reasons whatsoever before any KrisFlyer miles is credited

to your KrisFlyer membership account, such KrisFlyer miles earned shall be

forfeited and you shall not be entitled to any compensation or payment

whatsoever. We are not responsible for any loss or damage if KrisFlyer miles

are not credited or available for use, and you are responsible for ensuring that

your KrisFlyer membership account is able to be credited with KrisFlyer miles.

12.8 Participation in the KrisFlyer programme is subject to the terms and conditions

of the KrisFlyer programme. If SIA discontinues, or makes and changes to the

KrisFlyer programme, we will not be responsible for the impact this may have

on the KrisFlyer miles earned under these Terms.

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12.9 UOB shall not be liable in any manner whatsoever for any loss, expenses,

delays, mistake, neglect or omission in the transfer or transmission or posting

of Card transactions.

12.10 We are not an agent of the KrisFlyer programme, Singapore Airlines and Scoot

or any merchant and as such, any dispute about the quality or service

standard of the goods and services offered by KrisFlyer programme,

Singapore Airlines and Scoot or any merchant must be resolved directly with

them respectively. We assume no liability or responsibility in any manner

whatsoever for the acts or defaults of the KrisFlyer programme, Singapore

Airlines and Scoot or any merchant or defects in the goods and services

offered by them, or for any injuries, loss damage, costs or expenses in

connection with or arising out of the redemption or usage of the goods and

services offered by the KrisFlyer programme, Singapore Airlines and Scoot or

any merchant.

12.11 Our decision on all matters relating to your KrisFlyer UOB Credit Card and on

all matters pertaining to the rebate, award or use of any or all of the benefits

and privileges stated herein shall be final, conclusive and binding on you. We

reserve the right at any time, and from time to time in our discretion to

withdraw, cancel or vary the rebate, award, benefits and privileges conferred

by the use of the KrisFlyer UOB Credit Card and/or KrisFlyer UOB Account

without having to disclose any reason therefor, and you shall not be entitled

to any payment or compensation whatsoever.

12.12 Without prejudice to any other provisions in these Terms as well as the Other

Terms, you hereby expressly authorise us to use and disclose to Singapore

Airlines and its subsidiaries all such information relating to your KrisFlyer UOB

Credit Card for purposes of the crediting of KrisFlyer miles, including but not

limited to your KrisFlyer membership account number, research and marketing.

12.13 In the event of any inconsistency between these Terms and any advertising,

promotional, publicity, brochure, marketing or other materials relating to or in

connection with the KrisFlyer UOB Credit Card, these Terms shall prevail.

12.14 All information is correct at the time of publishing and we make no

representation or warranty whether expressed or implied, and accepts no

responsibility or liability for its completeness or accuracy.

13. Definitions

The following terms shall have the following meanings when used in these terms and

conditions:

“Card” means the KrisFlyer UOB Credit Card.

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“Card Account” means any account in respect of the Card.

“Cardmember” means KrisFlyer UOB Credit Cardmembers.

“Card Membership Year” means a period of 12 months starting from the month in

which the Card application is approved. For example, if the Card application is

approved in May 2019, then the Card Membership Year will be from May 2019 to

April 2020 and so on for each subsequent Card Membership Year.

“Card Transaction(s)” means the card transaction(s) on Eligible Transactions

successfully charged to the Card Account by the Cardmember and captured or

posted on UOB’s systems but excludes the exclusions set out above.

“Dining Card Transaction(s)” means the Card Transaction(s) made at establishments

whose main business activity is classified as food and beverage and bearing the

Merchant Category Codes (MCC) or transaction description listed in the table below.

UOB determines an online retail transaction based on system indicators. Business

classifications and system indicators are both decided by the merchants and their

bankers, and passed to UOB when the transaction is posted to the Card.