United Overseas Bank (UOB) has launched a groundbreaking feature for its Singaporean credit cardholders, allowing them to redeem rewards points, known as UNI$, whilst shopping in Johor, Malaysia. This initiative, announced on 29 September 2025, marks UOB as the first Singapore financial institution to offer such a cross-border rewards redemption service.
The new capability enables UOB cardholders to instantly offset their bills at over 150 participating merchant outlets in Johor by using their UNI$ points at the point of sale. This development is part of UOB’s strategy to leverage its strong regional presence and enhance the benefits available to its customers across the Association of Southeast Asian Nations (ASEAN).
UOB’s move is expected to strengthen consumer connectivity between Singapore and Malaysia, providing added convenience for frequent travellers and shoppers. By allowing seamless rewards redemption across borders, UOB aims to enhance the overall customer experience and encourage more cross-border transactions.
This initiative not only highlights UOB’s commitment to innovation but also sets a new standard for financial institutions in the region. As the first of its kind, this feature could pave the way for similar offerings from other banks, potentially transforming the landscape of cross-border banking services in ASEAN.
