uob travel cover

Travel With Peace of Mind

With effect from 1 January 2024, the UOB Complimentary Travel Insurance for selected UOB Cards will be extended to cover the Cardmember’s spouse and dependent child(ren). T&Cs apply.

We are pleased to inform you that this Complimentary Travel Insurance will be enhanced with COVID-19 coverage with effect from 1 April 2022. More details below.

Emergency Medical Assistance, Evacuation and Repatriation If the Insured Person suffers an Accident and/or Illness (including being diagnosed with COVID-19 illness) while overseas, and which in the opinion of UOI’s appointed service provider, it is necessary to evacuate the Insured Person to the nearest registered medical institution for necessary medical treatment, UOI will pay for the reasonable cost of transportation and en route medical care and supplies necessarily incurred.

To be eligible for the Complimentary Travel Insurance, simply charge the entire travel fare to any of these UOB Cards and successfully submit this form.

• UOB One Credit Card
• UOB EVOL Card
• UOB Absolute Cashback American Express Card
• UOB Visa Signature
• UOB PRVI Miles American Express
• UOB PRVI Miles World Mastercard
• UOB PRVI Miles Visa
• KrisFlyer UOB Credit Card
• KrisFlyer UOB Debit Card
• Get complimentary coverage when you travel
• Verify Mobile Number

For Singaporean or PR with Singapore issued ID, provide your NRIC for us to identify you.

For Malaysians - Enter NRIC instead of Passport Number

Passport expiry date is required only if your previous passport number that you have provided to the bank has expired or is expiring in the next 6 months.

You have charged your entire fare to your:

For the Complimentary Travel Insurance to be valid, travel dates must be within 6 months from the date of transaction when your entire fare air ticket was charged to your UOB Card.

You may leave this field empty if you are travelling on a oneway trip.

Important Notes and Disclaimers:

1. Please provide all required   details to activate your Complimentary Travel Insurance, for UOB Cards (“Complimentary Travel Insurance”) at least 5 working days before your trip. You will receive an email confirmation within 3 working days of the application date, which contains a unique reference number for each trip you submit.

2 This Complimentary Travel Insurance is only applicable for your trip when you have charged the entire fare of your air ticket to your eligible UOB Card and have fully and accurately provided the information requested for in the form.

3. This Complimentary Travel Insurance is underwritten by United Overseas Insurance Ltd (“ UOI ”). By applying for this Complimentary Travel Insurance, you agree that (i) we may disclose your information to UOI in connection therewith (including but not limited to your application and processing of claims (if any) relating to this Complimentary Travel Insurance) and (ii) United Overseas Bank Ltd (“ UOB ”) and/or UOI may use the contact information provided herein to contact you regarding this Complimentary Travel Insurance via an appropriate channel (including by email, telephone or SMS) as UOB and/or UOI may determine at its sole discretion.

4. For claim-related matters, please contact UOI directly at 6222 7733 during its business hours. 

5. Your eligible UOB Card has to be in good standing order for you to be covered by this Complimentary Travel Insurance for the whole duration of your trip and at the point of any claim thereafter.

6. You are responsible for the completeness and accuracy of the information provided at the point of submission of your claim. UOI has the right to review and assess your claim before deciding on whether to process your claim, and the processing of your claim shall be at UOI’s sole discretion. UOI's decision on all matters relating to claims for the Complimentary Travel Insurance shall be final and binding on the claimants.

7. The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of the Complimentary Travel Insurance are provided in the Certificate of Insurance which is available here . You may wish to seek advice from a qualified advisor before making a commitment to purchase or activate this product. In the event that you choose not to seek advice from a qualified advisor, you should consider carefully whether this product is suitable for you.

8. UOB does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance products and services stated herein are provided by UOI.

Declaration

By submitting this application:

 (i) I hereby declare that the above information, statements and particulars are true, accurate, complete and correct in all respects and that no facts have been suppressed or mis-stated. I agree that this proposal shall form the basis of the contract between me and UOI.

 (ii) I am aware that I can seek advice from a qualified advisor before making a commitment to purchase or activate this product. In the event that I choose not to seek advice from a qualified advisor, I take sole responsibility to ensure that this product is appropriate to my financial needs and insurance objectives.

 (iii) I acknowledge and agree that:

a)      I have read, understood and agreed to be bound by the full terms, conditions and exclusions of the Complimentary Travel Insurance available  here and consent to the activation of this policy on the terms stated in this application;

b)      the activation of this policy remains subject to approval by UOB and UOI; and UOB or UOI may reject or decline this application without giving any reason or notice whatsoever;

c)      any claim under the policy will have to be lodged directly with UOI and will be subject to UOI’s assessment based on the policy terms. The successful activation of this policy pursuant to this application does not constitute a guarantee or assurance by UOI that any subsequent claims under the policy will be successful;

d)     the risk of misunderstandings, errors, unauthorised instructions, fraud, forgery, and the risk of operational, equipment, and network delays, failures, faults or errors howsoever occurring in the course of the transmission of documents and instructions are entirely mine, and UOB will not be responsible or liable to me for any loss, liability or expense that may result from any of the foregoing;

e)     UOB is authorised (without being obliged) to record any telephone conversation made or purportedly made with me whether with or without the use of a tone warning device and the Bank may use such recordings and/or transcripts as evidence in any dispute; and

f)     UOB shall not be obliged to maintain such recordings and transcripts or keep or make available to me any such copies thereof.

 (iv) Without prejudice and in addition to any other consent or authorisation which I may have provided to UOB in respect of the collection, use and/or disclosure of my personal data, I hereby consent to UOB’s collection, use and disclosure of all information and particulars (including personal data) contained in this application to UOI for the purposes of activating the Complimentary Travel Insurance and processing and/or administering claims relating to the Complimentary Travel Insurance.

 (v) I consent to UOB and/or UOI using the contact information provided herein to contact me regarding all matters relating to this application and/or the Complimentary Travel Insurance via an appropriate channel (including by email, telephone or SMS) as UOB or UOI may determine at its sole discretion.

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UOB Traveller’s Insurance Plus

From short local trips to overseas holidays, enjoy every journey with the peace of mind you deserve when you and your loved ones are protected with Enhanced UOB Traveller’s Plus Insurance.

*This product is exclusively for UOB customers only.  

Eligibility

Enhanced UOB Traveller’s Plus Insurance provides the peace of mind you deserve. Extend your coverage protection with important add-on protection such as Covid’19 extension, Extreme Sports and Dengue Coverage.

• Protection from as low as RM35 per coverage
• 31 comprehensive benefit coverage, e.g. Medical Expenses, Trip Cancellation, Trip Curtailment, Travel Delay and many more
• Additional add-on benefits such as Covid19, Extreme Sports and Dengue coverage.

Geographical Areas

• Domestic shall means anywhere within Malaysia only.
• Asia includes as Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Macau, Malaysia (East to West or vice-versa), Myanmar (Burma), Nepal, Singapore, Philippines, South Korea, Thailand, Taiwan, Vietnam, Pakistan, Maldives, Sri Lanka, etc.
• Worldwide is defined as all countries including Asia (as defined above) except Excluded Countries such as Iran, Yemen, Syria, North Korea, Russia, Cuba, Israel, Venezuela, Ukraine and Belarus and all other sanctioned and war declared countries.

Section 1: Personal Accident

Overseas (Outbound)

Domestic (Inbound)

Section 2: Medical and Other Expenses

Section 3: Emergency Medical Evacuation & Repatriation

Section 4: Travel Inconveniences

For optional add-on benefits, please refer here .

• All Malaysians, Malaysian permanent residents, valid work permit holders or individuals legally employed in Malaysia, and his/ her spouse and child/children who are legally residing in Malaysia.
• Individual and/or Spouse plan above 18 years old to 85 years old
• Insured and Child plan include you and your children within 30 days and below 18 years old
• Family Plan include you, your spouse and child(ren) within 30 days and below 18 years old.
• Each trip must begin or end in Malaysia except for One Way Cover.
• The above premium rates apply for both one-way and two-way cover.
• Maximum period of cover for one-way and two-way is 90 days and 185 days respectively.

Note: * Dependant below the age of 18 must be accompanied by an adult.

Apply Now and complete the application through our partner Liberty Insurance’s website

• Obtaining the form at any of our branches .

Underwritten by:

This is for your general information only. You are advised to visit any of our UOB Malaysia branches for the detailed terms, conditions and exclusions of coverage. The above plans are underwritten by Liberty General Insurance Berhad 197801007153 (44191-P), formerly known as AmGeneral Insurance Berhad . All claims and liabilities arising from the policies should be made with the company.

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Find the nearest branch and speak to us.

Travel privileges that will awaken your wanderlust

Bintan Lagoon Resort

UOB Exclusive Package: Relax by the Beach

Enjoy up to 10% savings on Emirates to over 150 destinations

Additional 5% off all airfares to Taiwan, USA, and Canada

Up to 50% off hotel stays and additional 10% off stays worldwide

Travelodge Hotels Asia

15% off Best Available Rates

UOB Privileges Passport

Local privileges for the global citizen

Get up to 13% cash back

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Uob travel insurance—moneysmart review 2024.

Typically, when we talk about travel insurance, names like NTUC , MSIG , and FWD dominate the conversation. But here’s another one that you might not expect: UOB travel insurance.

Admittedly, I’ve never been particularly enthusiastic about UOB, especially regarding their insurance products, because local banks often don’t prioritise this area. But UOB has genuinely impressed me with its comprehensive travel coverage options.

Read further and explore the details of UOB travel insurance. Let’s find out if it matches the travel protection you expect on your next trip.

Learn more about our  rating system  for travel insurance.

UOB Travel Insurance Review (2024)

What is UOB travel insurance?

UOB travel insurance—What plan tiers do they offer?

Is the coverage worth the price you pay?

COVID-19 coverage

Extreme sports and outdoor adventure coverage

What to look out for in their terms and conditions 

Claims process

UOB vs FWD vs Tiq by Etiqa travel insurance

UOB travel insurance promotion

UOB travel insurance review—Final thoughts

1. What is UOB travel insurance?

UOB travel insurance is marketed under the brand UOB InsureTravel and provided by United Overseas Insurance (UOI), UOB’s insurance subsidiary. You shouldn’t confuse this with the complimentary travel insurance offered to UOB’s commercial cardholders. That’s a different offer.

UOB’s InsureTravel works like any other travel insurance provider, offering insurance travel plans that you can purchase anytime. Plus, you don’t need to be an existing UOB customer to buy UOB’s InsureTravel plans—they are available to everyone. Although its coverage isn’t the most extensive across the board, it does include COVID-19 protection as a standard feature—something many others only offer as an add-on. This thoughtful inclusion makes it a great choice if you happen to travel to regions with the highest cases.

Back to top

2. UOB travel insurance—What plan tiers do they offer?

UOB InsureTravel is available in 3 tiers :

Basic Plan (cheapest, lowest coverage)

Essential Plan

Preferred Plan (most expensive, highest coverage)

The plans are categorised into 3 areas for its single-trip plans as summarised in this table.

3. UOB travel insurance—Is the coverage worth the price you pay?

UOB InsureTravel’s coverage, claim limits, and key benefits are as follows. Let’s see if they are worth the price you pay on your next trip. 

What caught my eyeballs was the special clause for “Cancel for any reason.” If your trip gets cancelled for any reason not covered under Trip Cancellation, you can be reimbursed for 50% of all accommodation and transportation costs. However, this is only claimable if you buy the travel insurance plan within 7 days of making your initial trip payment or deposit. 

This offer is definitely your extra safety net . We all know that uncertainties are present when making travel arrangements, but knowing that you can still recover half of your accommodation and transportation costs provides you peace of mind. 

In terms of coverage, UOB travel insurance seems pretty legit. Medical coverage is excellent for its price, travel inconvenience benefits are pretty decent, and additional benefits like pet hotel cover and ‘Cancel for any reason’ were implemented in July 2024. Even with a Basic plan, the claim limits are pretty high. 

UOB complimentary travel insurance—what’s included

Starting from 1 January 2024, UOB offers free travel insurance for the cardholder’s spouse and children. Of course, terms and conditions apply. This free travel insurance will also cover COVID-19.

The complimentary insurance offers limited coverage, including: 

Personal accident coverage up to S$500,000. 

Emergency medical assistance, evacuation, and repatriation coverage up to S$50,000, including COVID-19-related incidents

How do you get this complimentary travel insurance?

Pay for your whole trip with one of these UOB cards:

UOB One Credit Card

UOB EVOL Card

UOB Absolute Cashback American Express Card

UOB Visa Signature

UOB PRVI Miles American Express

UOB PRVI Miles World Mastercard

UOB PRVI Miles Visa

KrisFlyer UOB Credit Card

KrisFlyer UOB Debit Card

Online Promo

Up to 20% Cashback

UOB One Card

Cashback on McDonald's, DFI Retail Group, Grab, Shopee, SP and more * Up to 20% Cash promotion is limited to New-To-Card customers only, valid till 31 Dec 2024

Cashback Cap per quarter

Min. Spend per month

More Details

Key Features

Enjoy up to 20% cashback at DFI Retail Group, Grab, McDonald's, Shopee and SimplyGo when you successfully apply from 1 September 2024 to 31 December 2024. Other T&Cs apply.

Up to 10% cashback on McDonald's (including McDelivery®)

Up to 10% cashback at Shopee Singapore (excludes ShopeePay)

Up to 10% cashback at DFI Retail Group (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven & more)

Up to 10% cashback at Grab (including GrabFood, excludes Grab mobile wallet top-ups)

Up to 10% cashback (bus and train rides)

Up to 10% cashback on UOB Travel

Up to 4.33% cashback on Singapore Power utilities bill.

Up to 3.33% cashback on all retail spend (based on S$500, S$1,000 or S$2,000)

Fuel savings of up to 24% at Shell and SPC

Exclusions and T&Cs at uob.com.sg/onetncs

At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Annual Interest Rate and Fees

Minimum income requirements, wireless payment, card association.

See all card details 

Earn 2.4 Miles on overseas spend

UOB PRVI MASTERCARD Miles Card

Local Spend

Overseas Spend

Selected Online Hotel and Flight bookings

Earn 1.4 miles per S$1 local spend (UNI$3.5 per S$5 spend)

Earn 2.4 miles per S$1 overseas spend (UNI$6 per S$5 spend) including online shopping on overseas websites

Earn 6 miles per $1 spend (UNI$15 per S$5 spend) on major airlines and hotels booked through Expedia and Agoda via UOB PRVI Miles website

Earn 1.4 miles per S$1 spend (UNI$3.5 per S$5 spend) on bus and train rides

No minimum spend and no cap on earned miles

Complimentary Public Conveyance Personal Accident cover of S$500,000 and up to S$50,000 Emergency Medical Evacuation & Repatriation including illness due to COVID-19. T&Cs apply.

Earn up to 3 Miles per S$1 spend

on Singapore Airlines, Scoot, KrisShop, Kris+ purchases

on dining, food delivery, online shopping, online travel, and transport spend

on all other spend

Enjoy 3 KrisFlyer miles per S$1 spend on Singapore Airlines, Scoot, KrisShop and Kris+ purchases

Enjoy 3 KrisFlyer miles per S$1 spend on dining, food delivery, online shopping, online travel and transport spend with min. S$800 annual spend on Singapore Airlines, Scoot and KrisShop

Enjoy 1.2 KrisFlyer miles per S$1 spend on all other spend

5,000 KrisFlyer miles with first eligible spend (min. S$5)

10,000 KrisFlyer miles with payment of annual renewal fee

Up to additional 6 KrisFlyer miles per S$1 spend when you open a KrisFlyer UOB Account

No miles conversion fee

Exclusive privileges on Scoot, KrisShop, Grab rides and more!

You must complete and  submit the form to get the free insurance. This involves additional steps, which can be cumbersome for some, as other banks actually provide automatic coverage when you use your credit card to buy airline tickets . 

UOB’s free travel insurance doesn’t cover much. Even if you’re a UOB cardholder, you’ll still need to buy your own travel insurance for better protection. Plus, you must go through the hassle of signing up online for free coverage.

4. UOB travel insurance—COVID-19 coverage

Given that what you pay for UOB InsureTravel’s travel insurance plans and includes COVID-19 coverage, that’s a value for your money. 

When it comes to COVID-19 coverage, UOB InsureTravel truly shines. Even with the basic plan, you get a substantial overseas medical expenses coverage limit of S$200,000. Compare this to FWD, where you’d have to shell out an extra fee just to get $200,000 as an add-on coverage.

Total Premium

25% Off Total Premium S$35.35

MoneySmart Exclusive

Cancel for any reason add-on available

FWD Premium

Med. Coverage (Overseas)

Trip Cancellation

Loss/Damage of Baggage

Total Premium Total Premium S$35.35 25% Off

MoneySmart Exclusive:

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]   • For a limited time only, enjoy up to   25% off your policy premium. Valid till 5 Sep 2024.   Get over S$65 worth of rewards: • Includes  S$30 Revolut cash reward, S$30   Trip.com Hotel Coupon and Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . T&Cs apply.   S$3,200 worth of gifts to be scored on top of existing rewards: • Samsonite Apinex 69/25 Luggage (worth S$600) when you are the 88th person to submit the MoneySmart Claim Form each week. T&Cs apply. • S$100 Revolut cash reward  when you are the  8th and 88th person  to sign up for a Revolut Account each week.  T&Cs apply.

Valid until 11 Sep 2024

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

See all plan details 

Given how affordable UOB InsureTravel plans are, it’s still a smart move to upgrade to the Preferred plan. It’s cost-competitive with other providers, that charge extra for COVID-19 coverage.

5. UOB travel insurance—Extreme sports and outdoor adventure coverage

UOB travel insurance offers coverage for extreme sports , but you need to avail the optional Adventure Sports cover. This additional coverage is designed for high-risk activities like skiing, scuba diving, and trekking up to 4,000 meters in altitude, among others. 

Regular sports like tennis, basketball, and swimming are covered under the basic plan without needing this extra cover. After all, UOB is still running a business, not a charity, so it isn’t the most lenient insurer for extreme thrill-seekers who really want to test fate.

Here’s a list of covered outdoor activities taken from the straightforward and specified UOI policy wording document.

UOB’s travel insurance offers a compelling option if you want to explore life’s adventurous side. But make sure you understand the nuances of their Adventure Sports cover. 

The optional nature of this coverage means that you must actively choose to add it when you buy a plan. Plus, UOB’s requirement for licensed operators and guides means they also want you to be responsible for participating in adventure sports and still have fun. If you need additional benefits when travelling with sports equipment and are into adventure sports, here are the options.

You can extend your coverage to include high-risk activities by opting for our Adventure Sports cover.

One of the things that also made me look into the UOB further is that aside from the practical value of cancelling plans and keeping your furry friends safe and taken care of, the optional benefits for sports and adventure activities are definitely attracting eyeballs like me, who love sports and adventure.  

As a golf hobbyist and enthusiast, if I avail myself of the optional benefit under the Essential Plan, I can receive a claim for up to S$2,000 provided that I have all the documents required for filing, like the original receipt of the equipment I own. 

Plus, this accidental loss, theft, or damage is subject to allowance for wear and tear and the age of the items. For example, if, based on the assessment, my lost golf items are less than 2 years old, then the value of the item reduction is 25%.

6. UOB travel insurance—What to look out for in their terms and conditions

When reviewing the terms and conditions of the UOB travel insurance, here’s what you need to know:

Reimbursements and compensation. If you need to cancel your trip due to unexpected events within 30 days of departure, UOB offers this coverage. This includes the reimbursement for non-refundable prepaid transport and accommodation costs plus the compensation for lost Frequent Flyer Points or similar travel points that can’t be recovered.

Medical expenses. If you need medical care in Singapore due to an accident or illness during your insured trip, UOB will reimburse necessary expenses. Seek treatment within 3 days of returning to be covered for follow-ups, which you can continue for up to 31 days from the from time you return to Singapore.

Emergency evacuation and repatriation. If you need to be moved for medical treatment or to return to Singapore, UOB travel insurance covers the costs up to the maximum limit. They will also  decide the best evacuation location and handle all the arrangements. 

Excess and policy schedules. Applicable excess amounts are shown on your certificate of insurance and policy schedules. This is the amount you will need to pay out-of-pocket before the insurance coverage kicks in.

Emergency assistance. The policy includes a Travel Emergency Assistance Service, which is arranged through an appointed service provider. You must identify yourself with your full name and policy number during emergencies.

Pre-existing conditions. Pre-existing medical conditions are not covered under the policy, so it’s important to be aware of this limitation.

Accidental death and permanent total disablement. The insurer won’t pay you out if your death or injury comes from a pre-existing condition, sickness, disease, infection, or any physical defect.  

These points should help you understand further the coverage and what’s included or not.

7. UOB travel insurance—Claims process

The claims process for UOB travel insurance is quite straightforward for InsureTravel but antiquated for credit cardholders claiming the complimentary one.

Here’s what you need to do via UOB InsureTravel coverage .

Download the claim form from the UOB travel insurance page .

Email the completed form along with supporting documents and receipts.

Successful claims will be credited to your account or sent to you via cheque.

For travel claims via complimentary travel insurance , you need to sign up and fill out the form to opt in for the coverage.

Despite the inconvenience of the claims process, UOB offers a 24-hour emergency hotline for any queries. Emergency assistance hotline: +65 6222 7737.

8. UOB vs FWD vs Tiq by Etiqa travel insurance

Here’s a comparison of UOB travel insurance prices vs other travel insurance providers to help you have a better scope of which one you should get prior to your trip. 

Looking at the table above, UOB InsureTravel might not seem like the best in class travel insurance product . But the thing to note is of the two insurance providers listed, only UOB InsureTravel’s policies include COVID-19 coverage. 

25% Off Total Premium S$63.07

Total Premium Total Premium S$63.07 25% Off

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

40% Off Total Premium S$78

Most efficient claims for flight delay

Travel Cancelation

Total Premium Total Premium S$78 40% Off

[GIVEAWAY | FLASH SALE | MoneySmart Exclusive]     • For a limited time only, enjoy 50% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply. Valid till 4 Sep 2024. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.     PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards when you are the 8th and 88th person to sign up for a Revolut Account each week. T&Cs apply.

Valid until 30 Sep 2024

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

Get paid upon a 3-hour flight delay, even without submitting a claim

COVID-19 coverage has to be purchased as an add-on for FWD and Tiq by Etiqa travel insurance policies. For example, you’d have to shell out an extra S$10 on FWD as an optional add-on , while Tiq by Etiqa will charge you S$18 extra if you choose the Entry plan. This is based on 1-week trip in an ASEAN country, which may still vary depending on the number of days or weeks of your trip

9. UOB travel insurance promotion

When comparing UOB InsureTravel’s plans with others, the prices seem pretty steep compared to FWD and Tiq by Etiq if you pay in full. Of course, we all want more savings and discounts, and fortunately, UOB offers them.

When promotions are on, UOB travel insurance becomes incredibly budget-friendly, offering some of the best prices in Singapore. Right now, there’s a fantastic promotion where you can get 50% off single-trip plans.

Still, if we compare UOB travel insurance plans with FWD and Tiq by Etiqa—when slashed at 50% off—they certainly give you the best value for money, especially considering that they also include COVID-19 coverage. 

You can keep tabs on the latest promotions on the UOB travel insurance page.

10. UOB travel insurance review—Final thoughts

UOB InsureTravel’s travel insurance offers great value, especially the mid-tier Essential plan, which has excellent coverage. However, it’s usually not worth overpaying for travel insurance unless you plan a high-stakes trip, such as a thrill-seeking adventure. 

If your itinerary includes extreme sports or adventurous outdoor activities, you’ll need a more specialised add-on, as UOB InsureTravel’s coverage for such activities is limited. The Essential Plan is a practical and cost-effective choice for most other trips.

Overall, UOB travel insurance provides solid benefits, covering medical needs and travel inconveniences, including those related to COVID-19. Unlike many other insurers, UOB’s policies include COVID-19 coverage, which is a significant plus.

UOB InsureTravel stands out with unique benefits, such as coverage for compassionate visits by a friend or family member—so it’s a comprehensive option worth considering.

About our scale and rating system

We compiled the prices and coverage limits for over 50 travel insurance plans from 18 different providers in Singapore in a massive spreadsheet.

For each price/coverage category (e.g. trip cancellation, travel delay, etc.), we determined the minimum, median, and maximum values across all travel insurance plans. These values then form scales showing the lowest, highest, and average price/coverage amounts for different travel insurance plans in Singapore.

Finally, we plotted where each travel insurance plan stands on those scales and assigned a star rating for the provider based on the results.

NOTE : These are flipped for the Price component—for this, the lower the better.

Looking to buy UOB travel insurance? Compare all Singapore travel insurance policies by price and coverage first .

About the author

Maria Krisette Capati-Lim is a contributing writer at MoneySmart for over four years. With an extensive background in the intersections of digital marketing, technology, lifestyle and personal finance, she believes that learning is a lifetime pursuit to become better ever day. When she’s not writing, she’s either checking her income and expenses on a spreadsheet or tinkering with her personal websites.

The post UOB Travel Insurance—MoneySmart Review 2024 appeared first on the MoneySmart blog .

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Travel checklist for worry-free journeys

Preparing for a trip can be exciting and daunting at the same time. To help make your travels a breeze, check out the following guides for every stage of your journey - from travel insurance to banking needs and more!

• Prepare For Your Trip
• Utilise Your UNI$
• Score The Best Travel Deals
• Bank Conveniently Anytime, Anywhere
• Address Transaction Issues
• Report a Lost or Stolen Card
• Withdraw Cash Overseas
• Enjoy Competitive Exchange Rates
• Find Deals at Your Destination
• Safeguard your Card
• Track Your Overseas Spend
• Utilise your UNI$
• Claim Travel Insurance
• Enjoy Attractive Exchange Rates

• 35% off Single Trip Plan
• 20% off Annual-Multi Trip Plan

Enjoy greater spending power while you travel with a temporary Credit/Debit Card limit increase.

Just login to UOB TMRW , tap on “Accounts”, select the card whose limit you wish to increase, select “Increase credit limit temporarily” and fill in the details as prompted. Find out more here .

Alternatively, contact us at 1800 222 2121 for assistance.

Here's how you can enable your Credit Card for temporary overseas use:

• Login to UOB TMRW , tap on “Accounts”, select your Credit Card and tap on “Settings” to manage overseas use.
• Call our 24-hour hotline at +65 6386 8188
• Visit the nearest UOB ATM or Branch

Here's how you can enable your card for cash withdrawals at overseas ATMs:

• Submit a request via UOB Personal Internet Banking
• Call our 24-hour hotline at 1800 222 2121

Perform overseas cash withdrawals and balance enquiries easily at all UOB ATMs in Malaysia, Indonesia and Thailand.

All you need is your UOB ATM Card, Debit Card or Credit Card, which must be linked to your UOB Savings or Current Account.

You can withdraw cash from non-UOB ATMs bearing the PLUS logo with a $5 service charge per cash withdrawal.

Say goodbye to late fees on your Credit Card bills. Make instant payments via UOB TMRW or UOB Personal Internet Banking . Other payment options available here .

With UOB Mighty FX , enjoy unbelievably good currency conversion rates with no hassle.

• No conversion fees, with rates just as good as what you see online
• Convert unused foreign currency back to SGD easily so you don’t get stuck with loose change
• Choose from 11 popular currencies including AUD, JPY and USD
• Get up to S$200,000 coverage on overseas medical expenses, including due to COVID-19
• Choose from Single Trip or Annual Multi-trip Plans to suit your travel needs
• Receive 24-hour emergency medical assistance
• From 12 – 19 August 2022 , get exclusive promotions of 43% off Single-Trip and 18% off Annual Multi-trip Plans! Apply now .

Here's how you can view your UNI$ balance and expiration date online:

• Via UOB TMRW – find out how here
• Via Personal Internet Banking
• Via your monthly Credit Card statement

Redeem your UNI$ easily on UOB TMRW! Click here to learn more.

To convert your UNI$ automatically or on demand to KrisFlyer Miles or Asia Miles, simply enrol into the Frequent Flyer Conversion Programme here .

Enjoy travel deals across flights, hotels, activities and more — just explore the Travel Insider Deals page to make your bookings.

Manage your accounts and transactions on the go, find travel deals, and keep track of your travel expenses, all with UOB TMRW — your perfect multi-purpose travel companion. Click here to download it today!

It may be that your UOB Debit or Credit Card has not been activated for overseas use. To manage this, simply login to UOB TMRW, tap on “Accounts”, select your Credit Card and tap on “Settings” to activate your card. Find out more here .

You can make purchases at any overseas merchant if your Card(s) can be ‘inserted’ into the merchant terminal (i.e. no swiping). But if the overseas merchant terminal requires your card to be swiped, you'll need to enable the magnetic stripe for overseas use before the transaction can be processed.

You will need to request for a replacement card from UOB Singapore

If you encounter any problems when using your card while overseas, please contact the UOB Singapore Call Centre at +65 6222 2121 to report your case. Alternatively, you may also contact the Bank when you return to Singapore.

Enjoy greater spending power while you travel with a temporary Credit/Debit Card limit increase

Just login to UOB TMRW, tap on “Accounts”, select the card whose limit you wish to increase, select “Increase credit limit temporarily” and fill in the details as prompted. Find out more here .

Simply login to UOB TMRW, tap on “Accounts”, select the card whose PIN you wish to reset, tap on “Reset card PIN” and proceed to enter the new 6-digit PIN when prompted. Find out more here .

If you lose your card while overseas, please contact UOB Singapore Call Centre at +65 6222 2121 immediately to report your lost card.

Overseas cash withdrawals and balance enquiries can be performed at all UOB ATMs in Malaysia, Indonesia and Thailand.

Make overseas cash withdrawals at non-UOB ATMs bearing the PLUS logo with a $5 service charge per cash withdrawal. To enable your card for immediate ATM cash withdrawal overseas, contact our 24-hour Customer Service at +65 6222 2121

When you use your card overseas, the same cash withdrawal limit applies. For example, if your current cash withdrawal limit is S$3,000 per day, this limit will apply when you use your card in Malaysia, Indonesia and Thailand.

All Visa and Mastercard debit card transactions effected in Singapore dollars and processed overseas will be subject to an international processing fee of 2.8% of the transaction amount. Overseas cash withdrawals will be subject to an additional ATM withdrawal fee of S$5 per transaction.

Get cash instantly when needed at overseas UOB ATMs with your UOB Credit Card, subject to the available balance for your credit card account.

Be observant - If something about the ATM does not seem right to you, cancel your transaction immediately. Confirm with the Bank as soon as possible that the transaction has been cancelled.

Safety first - Use ATMs in well-lit and safe locations. If you notice anyone suspicious around you, use an ATM in a different location.

Keep your PIN confidential - Never share your PIN number with anyone. Cover the hand used to key in your PIN with your other hand. We also encourage you to change the PIN for all your cards regularly.

Keep tabs – Monitor your account activities and report any fraudulent or suspicious withdrawals immediately.

Simply tap on Mighty FX via UOB TMRW and choose the currency and amount you wish to convert to.

Upon confirmation, the amount is immediately debited from your selected currency account and credited into the receiving currency account.

You can pay for your overseas spending using the MightyFX Debit Card or the KrisFlyer UOB Debit Card with no admin fees on your transactions.

Simply click on the 'Rewards+' tab in the UOB TMRW app for deals based on your geo-location.

Keep your cards safe from unauthorised usage by disabling overseas ATM cash withdrawals:

• Visit the nearest UOB ATM

Alternatively, you can login to your Personal Internet Banking to access your statement online here

Check out our full list of rewards here and redeem your UNI$ across a variety of categories with ease.

Here's two simple ways to redeem your UNI$:

• Via the Personal Internet Banking login on the Rewards page here

Make a travel insurance claim easily in two steps:

• Download the claims form
• Send the completed form with a scanned copy of the receipts and documents to [email protected]

Successful claim(s) will be credited into your account or a cheque will be issued.

Whether you’re booking a local adventure or accumulating miles for future getaways, there’s a UOB Card for everyone!

Credit Cards

UOB One Credit Card

• McDonald’s
• DFI Retail Group (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven and more)
• Grab (exclude GrabPay)
• Shopee Singapore (exclude ShopeePay)
• SimplyGo (bus and train rides)
• Up to 4.33% cashback on Singapore Power utilities bill 
• Up to 3.33% cashback on all retail spend
• Greater savings with up to 6.0% p.a. interest with UOB One Account

Annual Fees

Principal Card

• S$192.60* yearly
• First year annual fee waiver

*Inclusive of Singapore's prevailing Goods and Services Tax (GST).

Requirements

For Singapore Citizens and Permanent Residents: Minimum annual income of S$30,000 is required. OR Fixed Deposit collateral of at least S$10,000 #

For Foreigners: Minimum annual income of S$40,000 is required. OR Fixed Deposit collateral of at least S$10,000 #

Age: Age: ≥ 21 years old

Documents Required: click here

# Terms and conditions apply. Please visit UOB branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required. Insured up to S$100k by SDIC

UOB Absolute Cashback Credit Card 

The UOB Absolute Cashback Card makes earning cashback absolutely simple, with the highest limitless cashback rate^ in Singapore, no minimum spend and no spend exclusions.

• 1.7% cashback ^ on all your purchases eg. travel, weddings, luxury purchases and more
• 0.3% cashback ^ on local transactions which are commonly excluded from earning rewards

Supplementary Card

• First card free
• S$98.10* for subsequent cards

For Singapore Citizens and Permanent Residents:

• Minimum annual income of S$30,000 is required OR
• Fixed Deposit collateral of at least S$10,000 #

For Foreigners:

• Minimum annual income of S$40,000 is required OR

# Terms and conditions apply. Please visit UOB branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required. ^ The only credit card with no spend exclusion and has the highest limitless cashback rate in Singapore in comparison to other banks’ credit cards across Singapore that rewards a flat cashback earn rate of 1.7% on all spend (excluding local transactions which are commonly excluded from earning rewards such as charity, education, healthcare, professional services, utilities and Grab wallet top-ups, which earn 0.3% instead of 1.7%), with no minimum spend and no cap on cashback earned as at 6 May 2024. Local transactions which are awarded 0.3% cashback are listed in the Terms and Conditions Governing UOB Absolute Cashback Card. For full UOB Absolute Cashback Card terms and conditions, visit here .

UOB EVOL Credit Card

• 10% cashback on Online and Mobile Contactless spend
• 10% cashback on Overseas In-store FX spend
• No annual fees when you make 3 transactions monthly
• Southeast Asia’s first bio-sourced card with a suite of sustainable privileges
• Enjoy no annual fee on your Principal Card when you make min. 3 transactions per month for 12 consecutive months prior to your card anniversary date

Lazada-UOB Card

Unbox endless joy with your Lazada-UOB Card!

• Get up to 15% rebates* on Lazada spend
• 5% rebates* on dining, entertainment and transport categories
• Plus, enjoy up to 6.0% interest p.a. on savings with UOB One Account

*Rebates will be issued to eligible principal cardmembers in the form of Lazada Gift Card credit.

• S$196.20* yearly

# Terms and conditions apply. Please visit UOB branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.

UOB Lady’s Credit Card

Define your rewards for an unstoppable you. Choose the rewards category that earns you the most. 

Up to 25X UNI$ for every S$5 spend (10 miles per S$1) on your preferred rewards category with no min. spend.

• 10X UNI$ per S$5 spent (4 miles per S$1) with no min. spend
• Up to additional 15X UNI$ per S$5 spent (6 miles per S$1)
• UNI$1 per S$5 spent (0.4 miles per S$1) on other purchases
• Lady's LuxePay - 6 or 12-month installment plant with no interest or processing fee
• Free e-Commerce protection for online purchases up to USD200

UOB VISA INFINITE METAL CARD

• Unlimited airport lounge access for you and a guest
• Earn 2.4 air miles per S$1 spent in foreign currency and 1.4 air miles per S$1 spent locally
• Bonus 15,000 air miles upon renewal with min. S$100,000 spend in membership year
• Waiver of miles conversion fees
• Complimentary welcome drinks and up to 30% off at fine dining restaurants
• 24/7 UOB Visa Infinite Concierge
• Complimentary weekday green fees with 1 fee paying guest at Sentosa Golf Club
• S$654.00 yearly (inclusive of 9% GST)
• The annual card membership fee(s) cannot be waived.

Supplementary Card:

• First supplementary card free
• S$293.38 yearly for subsequent cards (inclusive of 9% GST)

For Singapore Citizens, Permanent Residents and Foreigners:

• Minimum annual income of S$120,000 # is required

* Terms and conditions apply. Please refer to here and here . # Please visit UOB branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.

UOB PRVI MILES CARD

• 1.4 miles on local spend (UNI$3.5 per S$5 spend)
• 2.4 miles on overseas spend (UNI$6 per S$5 spend), including online shopping on overseas websites
• 6 miles (UNI$15 per S$5 spend) on major airlines and hotels through Expedia and Agoda via UOB PRVI Miles website
• 20,000 loyalty miles every year with minimum spend of S$50,000 in a year (Exclusively for UOB PRVI Miles American Express® Card)
• Choice to redeem for miles, cash rebate or vouchers
• Complimentary personal accident coverage and emergency medical assistance of up to S$500,000

Terms and conditions apply for the card benefits and privileges.

• S$261.60* yearly
• S$130.80* for subsequent cards

For Singapore Citizens and Permanent Residents: Minimum annual income of S$30,000 is required OR Fixed Deposit collateral of at least S$10,000 #

For Foreigners: Minimum annual income of S$40,000 is required OR Fixed Deposit collateral of at least S$10,000 #

Age: ≥ 21 years old

KRISFLYER UOB CREDIT CARD

• 3 KrisFlyer miles on Singapore Airlines, Scoot, KrisShop and Kris+ purchases
• 3 KrisFlyer miles on everyday spend categories ^ , with min. S$800 annual spend on Singapore Airlines, Scoot and KrisShop 
• 1.2 KrisFlyer miles on other spend
• Earn up to 6 bonus KrisFlyer miles per S$1 spend when you spend, save and credit your salary with the KrisFlyer UOB Account
• Exclusive privileges on KrisShop, Grab rides, Scoot (via flyscoot.com/KrisFlyerUOB ) and more!

Age: Age: Minimum 21 years old

Debit Cards

UOB One Debit Card

Most generous debit card for your daily spend, with up to 3% cashback at the selected merchants below: 

• DFI Retail Group (Cold Storage, Giant, Guardian, 7-Eleven, CS Fresh, Jasons, Jasons Deli)
• Grab (exclused mobile wallet top-ups)
• Shopee Singapore (excludes ShopeePay)

Up to 6.0% p.a. interest on your savings with  UOB One Account , when you spend S$500 monthly.

UOB Lady’s Debit Card

• Up to 10% instant cashback with UOB$ programme at over 300 outlets like BreadTalk, Cathay Cineplexes, Cold Storage, Giant, Guardian, and more.
• Free e-Commerce protection for online purchases up to SGD200.

KRISFLYER UOB DEBIT CARD

Earn KrisFlyer miles and interest when you spend and save on your KrisFlyer UOB Debit Card and Account. Enjoy enhanced travel benefits today!

• 1 KrisFlyer mile per S$1 spend on Singapore Airlines, Scoot, KrisShop and Kris+ purchases
• 0.4 KrisFlyer miles per S$1 spend on all other spend
• Earn up to 6 bonus KrisFlyer miles per S$1 spend when you spend and save with the KrisFlyer UOB Debit Card and Account
• Exclusive privileges on Scoot (via flyscoot.com/KrisFlyerUOB), Grab rides and more!
• Earn 200 KrisFlyer miles with every conversion of S$1,000 on Mighty FX 

UOB MIGHTY FX DEBIT CARD

Shockingly good exchange rates with no conversion fees

With UOB Mighty FX, enjoy unbelievably good currency conversion rates with no hassle. 

• Convert unused foreign currency back to SGD easily so you don’t get stuck with loose change
• Maximise your savings by bundling UOB One Account with Mighty FX  or accelerate miles earned by adding it to the KrisFlyer UOB Account
• S$18 (inclusive of goods and services tax [GST])
• Free for the first 3 years
• Subsequently waived when a minimum of 12 Mastercard transactions are performed in a year

Insured up to S$100k by SDIC. 

Terms and conditions apply to all featured privileges, promotions and rewards. Visit the respective Card pages for more details.

^ Everyday spend categories: dining, food delivery, online shopping, online travel and transport spend. 

* Apply & Pay within minutes is only valid for New-to-Bank applicants who use MyInfo to retrieve personal details and income information, pass all screening steps and income checks. Applications must be submitted from 7am - 8pm.

Insured up to S$100k by SDIC.

Terms & Conditions

From travel insurance that safeguards against travel inconveniences, to a multi-currency companion with attractive rates across 11 currencies – travel with peace of mind knowing your needs are covered with these travel must haves.

INSURETRAVEL

Get comprehensive and affordable coverage

• Protection starts before you set off with Trip cancellation or Postponement coverage.
• Receive  Overseas Quarantine Confinement Allowance due to COVID-19.
• Coverage for Overseas Medical Expenses as well as Emergency Medical Evacuation or Repatriation .
• Get Well Benefit if diagnosed with COVID-19 within 48 hours upon arrival in Singapore.

Shockingly good exchange rates with no conversion fees 

KRISFLYER UOB ACCOUNT

Accelerate your KrisFlyer miles earning power

• Credit your salary into Krisflyer UOB Account today to start earning maximum bonus KrisFlyer miles for your future travels and earn interest on your savings.
• Get up to 6 KrisFlyer miles per S$1 spend (no. minimum spend required) on your eligible cards with minimum. S$1,000 Monthly Average Balance in your account
• Eligible cards include KrisFlyer UOB Credit Card or Debit card, UOB Reserve Card, UOB Visa Infinite Metal Card, UOB Visa Infinite Card, UOB Privilege Banking Card and UOB PRVI Miles Card
• Bundle your KrisFlyer UOB Account with Mighty FX to enjoy shockingly good exchange rates with no conversion fees 

*Insured up to S$100k by SDIC.

Bank with ease

• Manage your accounts and transactions on the go and use UOB Insights to track your travel expenses

Effortless payments

• Make payments swiftly and securely, and get a temporary credit limit increase when you need it

Widest rewards

• Explore deals available at your destination with Rewards+ and redeem rewards with your UNI$ instantly

S$80 Cash Credit (for new-to-UOB Deposits customers)

Be the first 200 applicants (per month) to:

• Successfully open a new Eligible UOB Account* online; and
• Deposit at least S$5,000 of fresh funds into your new UOB account by 31 Dec 2020; and
• Maintain the fresh funds deposited into your new UOB account for 6 consecutive months.

Click here for full terms and conditions.

S$40 Cash Credit (for existing UOB Deposits customers as at 31 Oct 2020)

• Deposit at least S$5,000 of fresh funds into your new UOB account by 31 Dec 2020 and increase the total amount in all your other UOB current/savings accounts by at least S$5,000 as of 31 Oct 2020; and

* Eligible UOB Account: UOB Uniplus Account, UOB Stash Account, KrisFlyer UOB Account, UOB Lady’s Savings Account and/or UOB One Account

Insured up to S$75K by SDIC

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Get up to 6% p.a. interest in just two steps. Apply now and get up to S$240 cash! T&Cs apply. Insured up to S$100k by SDIC.

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There's a card for everyone. Click here to find out more on the sign-up offers.

Borrow services.

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Get instant cash at 0% interest and low processing fees. Select from flexible tenors of 3, 6 or 12 months.

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Your access to Private Bank CIO's expertise

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Insure on UOB TMRW

Get PRUCancer 360 from just S$3.70 per week. Sign up now and enjoy 35% off your first-year premium. T&Cs apply.

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Personal internet banking, other banking services.

• Forgot Username/Password
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Meet UOB TMRW, the all-in-one banking app built around you and your needs. Bank. Invest. Reward. Make TMRW yours.

For Individuals

For companies, uob subsidiaries.

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UOB Visa Signature Card

Get up to UNI$10 per S$5 spend on petrol, overseas (including online) and contactless transactions.

Get an AirPods Pro and AirTag (2 units) worth S$456.50 when you apply for UOB Visa Signature Card now!

Click here for full terms and conditions. 

Apply Now   Find out more

UOB$ Programme

UOB Fuel Power

Travel with a peace of mind

UOB Island of Rewards

10X UNI$ Earn up to 10X UNI$ per S$5 spend on: • overseas transactions* (including online); and • petrol and contactless transactions*; with minimum overseas spend of S$1,000 and local spend of S$1,000 respectively per statement period, capped at UNI$4,000. Card transactions made overseas but effected in Singapore dollars will be treated as transactions in Singapore dollars and will earn UNI$1 for every S$5 spent. Here is an illustration of how fast you can earn UNI$*.

*UOB Visa Signature Cardmembers will earn UNI$ for every S$5 spent:

• UNI$10 for every S$5 spent on transactions in foreign currencies, including online transactions in foreign currencies (with payment gateway outside Singapore), subject to a minimum foreign currencies spend of S$1,000 per statement period. Online transactions in Singapore Dollars or in foreign currencies at merchants with payment gateway in Singapore will earn UNI$1 for every S$5 spent;
• UNI$10 for every S$5 spent on petrol (excluding SPC and Shell and provided that the merchant falls under 5541 of the Merchant Category Code (MCC)) and contactless transactions (excluding UOB$ merchants), subject to a minimum local spend of S$1,000 in total, per statement period; and/or UNI$1 for every S$5 spent on all other transactions.
• The maximum number of UNI$ Cardmembers can earn in each statement period for all spending in foreign currencies (including online transactions in foreign currencies), petrol and with contactless payment, should they qualify, is capped at UNI$4,000. Spend exclusions apply. For the avoidance of doubt, contactless transactions exclude any Magnetic Secure Transmission Transactions, all transactions at SPC Service Stations and Shell Service Stations, UOB$ participating merchants and SimplyGo (ABT) transactions performed on public bus and train readers.

With effect from 16 March 2020, UNI$ will no longer be awarded for selected transactions such as insurance payments, Grab mobile wallet top-ups, wire transfers, payments to Non-Financial Institutions (such as crypto-currencies etc), quasi-cash and more. For the avoidance of doubt, all other Grab transactions will continue to be eligible for awarding of UNI$.

With effect from 1 February 2021, UNI$ will no longer be awarded for Transactions involving payments to hospitals, automobile parking lots and garages. With effect from 1 March 2022, UNI$ will no longer be awarded for transactions with transaction descriptions "TRANSIT*" and "AMAZE* TRANSIT*". With effect from 1 August 2022, UNI$ will no longer be awarded for payments to IPAYMY, RWS-LEVY, SMOOVE PAY, SINGPOST – SAM, and Razer Pay and payments for utilities. With effect from 21 July 2024, UNI$ will no longer be awarded for transactions with the transaction description “NORWDS*”. With effect from 1 October 2024, UNI$ will no longer be awarded for transactions with the transaction description “AMAZE*” and Merchant Category Codes 5965 Direct marketing – Combination Catalog and Retail Merchants, 5993 Cigar Stores and Stands, 8699 Membership Organizations (Not Elsewhere Classified) and 8999 Professional Services (Not Elsewhere Classified). For details, please refer to the revised terms and conditions .

Previously known as UOB SMART$ Rebate Programme, the new UOB$ Rebate Programme allows you to earn instant cashback all year round for every UOB Cards transaction made at participating merchants.

• Up to 10% cashback - Get UOB$ cashback on all purchases in-store at participating outlets.
• Automatically offset your spend - Use your earned UOB$ on your next bill at the same merchant.
• Over 1,000 participating merchants - Earn UOB$ across all categories islandwide.

Visit here for details.

Fill up and save more with UOB Fuel Power – the best ever petrol savings programme. Visit here for participating merchants.

Travel with a peace of mind Enjoy the following benefits* when you travel with UOB Visa Signature Card: Public Conveyance Personal Accident coverage of S$500,000 Emergency Medical Assistance, Evacuation & Repatriation coverage up to S$50,000 due to an accident or illness (including due to COVID-19). Click here to activate the Complimentary Travel Insurance for your trip (at least 5 working days before departure). W.e.f. 1 January 2024, the UOB Complimentary Travel Insurance for selected UOB Cards will be extended to cover the Cardmember’s spouse and dependent child(ren). T&Cs apply. *The specific details applicable to this insurance are set out in the Insurance Certificate and Agreement which is the operative document. Terms, conditions and exclusions apply. Please seek advice from a qualified advisor if in doubt.

Enjoy total flexibility with your UNI$. Convert your UNI$ to cash rebate or redeem for dining, shopping and travel vouchers from over 100 participating merchants. Alternatively, you can instantly redeem your UNI$ for vouchers at over 1,000 outlets. 

Enjoy S$100 GrabFood vouchers when you apply for a UOB Visa Signature Supplementary Card!

Find out more

Here's how:

Promotion is valid from 1 June to 30 June 2024. Terms and conditions apply.

Shopee Electronics

• S$25 off min. S$300 spend
• S$60 off min. S$1,000 spend

Say hello to more convenience with SimplyGo.

• No need for top-ups
• No need for multiple cards
• Earn rewards on your rides

New Customers

• S$12 off with min. S$20 spend for new customers
• Promo code: UOB12NEW

Shopee Electronics Limited redemptions from 1 January 2024 to 30 June 2024. Limited to 1 voucher redemption per month on a first come first serve basis. User must select UOB Credit / Debit Card and the claimed voucher for the discount to be reflected immediately, prior to placing order. User is responsible for checking to ensure that the discount is reflected at the checkout page, prior to placing order. In the event that the discount is not reflected, Shopee will not retrospectively provide / apply the discounts. Only valid for selected electronic products at Shopee. Not valid for products from Shopee's paid ads store. Not valid for selected resellers. Not valid for web purchases and seller store pick up. General terms and conditions apply. UOB & Shopee reserve the right at each of its absolute discretion to vary, delete or add to any of these terms and conditions at any time without notice including without limitation, the eligibility of any customer and the dates of the promotions.

Valid from 1 Jan 2024 – 31 Dec 2024. " UOB12NEW " is valid for one-time use only. Not valid for products listed under "Tickets & Vouchers" and "Miscellaneous" categories. General terms and conditions apply. Not valid for web purchases and seller store pick up.

Things you should know

Eligibility and fees, eligibility.

• Minimum annual income S$50,000
• Minimum annual income S$40,000
• S$218 ^ yearly
• First year card fee waiver
• FREE first card
• S$109 ^ yearly subsequent card

Apply & Pay within minutes

Applying for your credit card is now faster, simpler and more secure when you apply via UOB Personal Internet Banking or Singpass (MyInfo) - no more endless fields to fill in and documents to upload. Complete your application journey within minutes!

What’s more, you can digitize your card to enjoy convenience of mobile contactless payment when you receive your card!

Click here to find out more common FAQs about your credit card

Click here to find out more about digital banking solutions

For existing Principal UOB Credit Card holders

Alternatively, if you are already a Principal UOB Credit Card holder, you can send an SMS application to 77862:

• <Yessignature>space<Last 4 digits of existing UOB Card>space<NRIC#>

SMS T&Cs apply

Frequently asked questions

Why was I not awarded with the bonus UNI$ for my transaction?

Bonus UNI$ is awarded to 1) overseas spend 2) petrol spend and 3) contactless transaction.

Please click here for more details on the list of eligible transactions.

Is there a minimum spend required to earn the bonus UNI$?

Bonus UNI$ on overseas spend is subject to a minimum overseas spend equivalent to S$1,000 per statement period based on prevailing foreign exchange rates as determined by UOB but excluding the excluded transactions.

Bonus UNI$ on petrol spend and/or contactless transactions are subject to a combined minimum spend of S$1,000, per statement period, but excluding the excluded transactions. SimplyGo (ABT) transactions will be treated as transactions in Singapore dollars and count towards the minimum spend of S$1,000 per statement period.

Is there a cap on the Bonus UNI$?

The combined awarding of Bonus UNI$ on overseas spend, petrol spend and contactless transactions is subject to a cap of UNI$4,000, per statement period.

When will the bonus UNI$ be credited?

The bonus UNI$ will be credited to the qualified principal Cardmember, in the next statement period after the posting of the eligible transactions. UOB will not be liable for any late transaction postings affecting your eligibility to qualify for the bonus UNI$.

For more information about UOB credit cards, please click here

Compare credit cards

Can’t decide which card to apply for? Here’s an easy way to find the one for you.

Before you begin, please prepare the following documents.

For salaried employees.

• NRIC (front and back) and
• Latest billing proof (within the last 6 months) as per your local home address (e.g. telephone or utilities bills, etc) if differs from address in NRIC and
• Latest 12 months' CPF Contribution History Statement via Singpass login or
• Latest Computerised Payslip (Fixed income earner with Basic Salary $2,500) / Latest 3 months’ Computerised Payslip (Variable Income earner with Basic Salary < $2,500) or
• Latest Income Tax Notice of Assessment + Latest 12 months' CPF Contribution History Statement or
• Latest Income Tax Notice of Assessment + Latest Computerised Payslip (in Singapore Dollar currency)

For self employed

• Latest billing proof (within the last 6 months) as per your local home address (e.g. telephone or utilities bills, etc ) if differs from address in NRIC and
• Latest Income Tax Notice of Assessment

For commission based employees

For foreigners.

• Valid Passport (with at least 6 months’ validity) and
• Employment Pass (EP or S Pass only with at least 6 months’ validity) and
• Latest billing proof (within the last 6 months) as per your local home address (e.g. telephone or utilities bills etc) and
• Latest Computerised Payslip (in Singapore Dollar currency) or
• Latest Income Tax Notice of Assessment + Latest Computerised Payslip (in Singapore Dollar currency) or
• Company Letter certifying Employment and Monthly Salary (in Singapore Dollar currency) dated within 3 months

For existing UOB Credit Cardmembers

• Latest income documents as above are required if you wish to update the Credit Limit on your UOB Cards; or if there has been a change in your employment.

Important notes

• For CPF Contribution History Statement submission, the maximum credit limit is calculated based on the CPF salary ceiling of S$6,000 per month. Please submit your latest Income Tax Notice of Assessment together with your CPF Contribution History Statement if your monthly salary is more than S$6,000.
• Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN.
• Note that if your income documents reflect a lower income than that in our bank records, we will have to reduce the current credit limit of your existing unsecured facilities to reflect prevailing earned income.
• We reserve the right to request for information and income documents if deemed necessary.

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Krasnodar Krai Travel Guide: All You Need To Know

Krasnodar Krai, often referred to as Krasnodar, is a federal subject (krai) of Russia located in the Southern Federal District. It is known for its diverse landscapes, including the Black Sea coastline, fertile farmland, and the Caucasus Mountains. The administrative center of Krasnodar Krai is the city of Krasnodar. Here’s some information about Krasnodar Krai:

Places to Visit in Krasnodar Krai: Sochi: This coastal city on the Black Sea is famous for its subtropical climate, beautiful beaches, and the host of the 2014 Winter Olympics. Visit the Sochi Arboretum, Rosa Khutor Alpine Ski Resort, and the Black Sea coast.

Krasnodar: Explore the largest city in the region, known for its parks, cultural attractions, and the Krasnodar Stadium. The Krasnodar Park and Safari Park are popular.

Anapa: A popular seaside resort town with sandy beaches, historical sites, and a mild climate.

Caucasus Mountains: Hike and explore the stunning landscapes of the Caucasus Mountains, including the Sochi National Park and Krasnaya Polyana.

Adler: A city near Sochi, known for its beautiful beachfront and proximity to the Adler Arena Skating Center.

Abrau-Dyurso: Visit the famous Abrau-Dyurso wine estate, known for its sparkling wines, and enjoy wine tasting.

Best Time to Visit Krasnodar Krai: Summer (June to August): The summer months are ideal for visiting Krasnodar Krai, especially the coastal areas, as the weather is warm and beach activities are in full swing.

Spring and Early Autumn: Spring (April to May) and early autumn (September to October) are also pleasant, with milder temperatures and fewer crowds.

Things to Do in Krasnodar Krai: Beach Activities: Enjoy swimming, sunbathing, water sports, and beachfront promenades along the Black Sea coast.

Outdoor Adventures: Explore the natural beauty of the region, including hiking, mountain biking, and winter sports in the Caucasus Mountains.

Cultural Exploration: Discover local traditions, museums, and historical sites to learn about the region’s rich heritage.

Wine Tasting: Visit vineyards and wineries in the region to sample local wines.

How to Get Around Krasnodar Krai: Public Transportation: Public buses, trams, and trolleybuses serve the major cities in Krasnodar Krai. Sochi, Krasnodar, and Anapa have well-developed public transportation networks.

Taxis: Taxis are readily available and can be used for short trips within the cities and for transportation to more remote areas.

Car Rental: Renting a car can be a convenient option for exploring the region, especially if you plan to visit various locations.

Domestic Flights: Major cities like Sochi and Krasnodar have airports with domestic flights connecting them to other Russian cities.

Where to Eat in Krasnodar Krai: Local Cuisine: Savor traditional Russian and Caucasian dishes, including shashlik (kebabs), borscht (beet soup), and local seafood in coastal areas.

Cafes and Restaurants: Explore cafes and restaurants offering international cuisine, including European, Asian, and Middle Eastern dishes.

Street Food: Try local snacks and street food from vendors in markets and along popular tourist areas.

Where to Stay in Krasnodar Krai: Krasnodar Krai offers a range of accommodation options, including hotels, guesthouses, hostels, and resorts. The coastal cities, such as Sochi and Adler, have a variety of lodging choices to suit different budgets and preferences.

Travel Tips for Krasnodar Krai: Language: Russian is the primary language spoken in Krasnodar Krai, so having some knowledge of the language can be helpful, especially in more remote areas.

Currency: The currency used in Krasnodar Krai is the Russian Ruble (RUB). Credit cards are widely accepted in hotels and restaurants, but it’s a good idea to carry cash for smaller establishments and markets.

Safety: Krasnodar Krai is generally safe for tourists, but, like in any travel, be cautious with your belongings and personal safety.

Climate: The climate in the coastal areas is milder compared to the mountainous regions. Be prepared for seasonal temperature variations.

Local Customs: Be respectful of local customs and traditions, particularly when visiting cultural or religious sites.

Transportation: Familiarize yourself with the local transportation system, and consider using taxis or ridesharing apps for convenience.

Krasnodar Krai offers a mix of natural beauty, cultural experiences, and outdoor adventures. By following these travel tips, you can have a memorable and enjoyable visit to this diverse and scenic region in southern Russia.

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The University has a business travel policy which covers staff and students travelling abroad on University business.  Please be aware that trips must be risk assessed and signed off before travel cover can be booked.  The cover includes personal accident, death, loss of limbs, sight etc, emergency medical & dental treatment, baggage, cash, cancellation, curtailment, personal liability and legal expenses all with pre-determined limits.

Please note that as from renewal in August 2020 cancellation and curtailment costs linked to Covid-19 are no longer covered.  From the same date the standard deductible changed to £50 and cover for loss or damage to mobile phones is now excluded.  The policy does not cover sporting activities, and other dangerous activities such as quad biking, paragliding etc.

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